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 1918 results
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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 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 -
Decision Reference DRN7966948
21 Apr 2020 Shop Direct Finance Company Limited UpheldBanking and creditMr L’s complaint against Shop Direct Finance Company Limited (Shop Direct) is that it recorded a CIFAS marker against him.backgroundIn November 2015, Mr L opened a credit account with Shop Direct, and placed three orders for goods.After this he says he started university and moved address ... (3 pages)View decision -
Decision Reference DRN1648398
15 Jul 2019 National Westminster Bank Plc UpheldBanking and creditMr G complains that National Westminster Bank Plc (‘NatWest’) wrongly recorded a marker against his name with a fraud prevention agency, CIFAS, that indicated he’d committed fraud on his credit card account and then failed to remove it in a timely way.BackgroundMr G held a credit card acco... (5 pages)View decision -
Decision Reference DRN-2337361
15 Dec 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2337361 The complaint Mr C complains that Santander UK Plc closed his credit card account and recorded a CIFAS marker against his name. CIFAS in one of the UK’s fraud alert services. He wants compensation for the distress caused. What happened In August 2019, Mr C applied online for a ... (2 pages)View decision -
Decision Reference DRN-5623832
12 Aug 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5623832 The complaint Mrs A complains that Bank of Scotland plc trading as Halifax unfairly recorded a marker against her name on a fraud prevention database, Cifas. What happened Mrs A applied for a joint mortgage with Halifax in 2023. The application was declined. Mrs A says she l... (2 pages)View decision -
Decision Reference DRN-5701050
1 Aug 2025 Metro Bank PLC Not upheldBanking and PaymentsDRN-5701050 The complaint Mr B complains that Metro Bank PLC (‘Metro’) registered two fraud prevention markers against him without due cause. What happened The circumstances of this complaint have been explained in detail in our investigator’s view of this complaint, which was shared wi... (2 pages)View decision -
Decision Reference DRN-2936455
4 Aug 2021 TSB Bank plc UpheldBanking and PaymentsDRN-2936455 The complaint Mr S complains that TSB Bank PLC (TSB) unfairly registered a fraud marker against his name. To put things right, he wants TSB to remove the marker and pay him compensation. What happened On 13 April 2017, TSB applied a fraud marker against Mr S’s name with CIFAS, ... (2 pages)View decision