We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 1668 results
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Decision Reference DRN-3929717
11 Sep 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3929717 The complaint Mr G is a sole trader. He complains about HSBC UK Bank Plc’s actions when it closed his accounts and terminated a Bounce Back Loan (BBL). Specifically, he complains that the bank unfairly applied a Cifas marker against his name. What happened In June 2020 Mr G suc... (4 pages)View decision -
Decision Reference DRN-5527207
4 Jun 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5527207 The complaint Mr F complains that American Express Services Europe Limited (‘AESEL’) registered an adverse CIFAS marker against him. What happened In September 2023, AESEL requested some documentation from Mr F as part of a review. In a letter that was sent to Mr F, AESEL o... (2 pages)View decision -
Decision Reference DRN-4936783
30 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4936783 The complaint Mr R complains that Monzo Bank Ltd have unreasonably recorded a marker against him with the fraud prevention agency CIFAS. He’d like the marker removed and compensation. What happened Mr R had an account with Monzo. But in June 2023 his account received some f... (3 pages)View decision -
Decision Reference DRN5262614
30 Jul 2020 Experian Limited UpheldBanking and creditComplaintMr T is unhappy about Experian Limited’s decision to add fraud markers to his credit file. He’s also unhappy that Experian said they’d removed the markers when they hadn’t. Mr T would like compensation.BackgroundAround February 2018, Mr T applied with Experian to access his credit... (4 pages)View decision -
Decision Reference DRN0171125
27 Dec 2018 Bank of Scotland Plc Not upheldBanking and creditMr A complains that Bank of Scotland Plc (trading as Halifax) closed his account and applied a CIFAS fraud marker to his credit file without telling him.backgroundMr A had an account with Halifax. In November 2017 Halifax decided to close his account, as a result of ... (2 pages)View decision -
Decision Reference DRN6367416
2 Jun 2020 Tesco Personal Finance PLC UpheldBanking and creditMr B’s complaint is that Tesco Personal Finance Plc (Tesco) unfairly closed his account and registered a fraud marker against his name on the national fraud database, CIFAS.backgroundIn October 2015, Mr B noticed his two Tesco accounts were blocked. They were then closed without notice, an... (2 pages)View decision -
Decision Reference DRN0584694
10 Oct 2017 Lloyds Bank PLC Not upheldBanking and creditMiss M complains that Lloyds Bank Plc incorrectly registered adverse information about how she conducted her account. She also says Lloyds wrongly recorded her details on the Credit Industry Fraud Avoidance System (CIFAS). And didn’t remove the CIFAS marker soon enou... (3 pages)View decision -
Decision Reference DRN-5116583
5 Dec 2024 North Edinburgh and Castle Credit Union Limited UpheldConsumer CreditDRN-5116583 The complaint Mr M complains that North Edinburgh and Castle Credit Union Limited (“Castle”) made an entry about him on the CIFAS database in connection with a loan. What happened In early 2024 Mr M got a loan with Castle. Around two weeks later Castle was notified that Mr M... (3 pages)View decision -
Decision Reference DRN0256957
4 Jan 2018 Barclays Bank Plc UpheldBanking and creditMr B is unhappy with Barclays Bank Plc as it applied a CIFAS marker against him. Mr B says it was applied incorrectly.backgroundIn 2014 Mr B applied for a credit card with Barclays but his application was declined. Mr B assumed this was because he was 18 and hadn’t ... (3 pages)View decision -
Decision Reference DRN4919809
13 Nov 2013 Experian Limited UpheldBanking and creditMr J complains that Experian Limited told him that there was a CIFAS warning on his credit file. He also believes it has recorded incorrect information on his credit file.background Mr J tried to open a bank account in February 2011. The bank wrote to him explaining that his applicatio... (2 pages)View decision
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