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-2786193
27 May 2021 Starling Bank Limited Not upheldBanking and PaymentsDRN-2786193 The complaint Mr Z complains that Starling Bank Limited has registered a marker against him at CIFAS, the national fraud database. What happened Mr Z says he found out about this marker when he lost his employment. He has shown that the company he worked for said there were a n... (3 pages)View decision -
Decision Reference DRN-3766258
15 Nov 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3766258 The complaint Mr B complains that TSB Bank plc has registered a marker at CIFAS, the national fraud database. What happened Mr B says he was the victim of identity theft in 2020 and that an account at TSB was opened without his knowledge. He says that an account at a different ... (3 pages)View decision -
Decision Reference DRN-4343855
7 Nov 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4343855 The complaint Mr M complains that he had a Cifas marker registered against him by Barclays Bank UK PLC (‘Barclays’) without due cause. What happened In June 2018 Mr M applied and was approved for an ISA account with Barclays. When Barclays made further checks after the applicat... (3 pages)View decision -
Decision Reference DRN7971092
29 Jan 2018 Santander UK Plc Not upheldBanking and creditMr and Mrs S complain that Santander UK Plc unfairly put them on the Credit Industry Fraud Avoidance Scheme (“CIFAS”) database.background to complaintI issued my provisional decision in December 2017; a copy of which is attached to, and forms part of, this final ... (6 pages)View decision -
Decision Reference DRN-2736833
25 Jun 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-2736833 The complaint Mrs D complains that National Westminster Bank Plc unfairly recorded a marker at CIFAS, the national fraud database, after it closed her account. What happened Mrs D paid in a cheque for £5,000 to her account. It was returned as being a fraudulent or counterfeit c... (3 pages)View decision -
Decision Reference DRN-3586690
8 Jul 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3586690 The complaint Mr A complains that MBNA Limited held him liable for transactions that he says he didn’t make, and unfairly registered a marker with the fraud prevention agency CIFAS. He’d like the transactions refunded and the CIFAS marker removed. What happened Mr A had a credi... (5 pages)View decision -
Decision Reference DRN7283764
17 Mar 2020 The Co-operative Bank Plc Not upheldBanking and creditComplaintMr H complains that The Co-operative Bank plc recorded a Credit Industry Fraud Avoidance System (CIFAS) marker against his name. CIFAS is one of the UK’s fraud prevention agencies.BackgroundIn July 2018, Mr H applied online for a Co-operative current account. His application was d... (2 pages)View decision -
Decision Reference DRN-2435911
28 Jan 2021 RCI Financial Services Limited UpheldConsumer CreditDRN-2435911 The complaint Mr Y complains that RCI Financial Services Limited has registered a marker at CIFAS, the national fraud database. What happened Mr Y said he applied for car finance with RCI in December 2016 but that this was declined. He found out in 2019 that RCI had added the m... (2 pages)View decision -
Decision Reference DRN-3667585
20 Oct 2022 TSB Bank plc Not upheldMortgagesDRN-3667585 The complaint Mr M complains that TSB Bank plc won’t agree to remove a marker against his name on a fraud prevention database - CIFAS. TSB added the marker in connection with a mortgage application Mr M made. What happened The circumstances of this complaint are well known to b... (3 pages)View decision -
Decision Reference DRN-3354945
7 Jun 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3354945 The complaint Mr L complains that Monzo Bank Ltd declined his application for an account and then misled him about its reasons for doing so. What happened In October 2020 Mr L applied online for a Monzo account. His application was declined, and Mr L received a message from Mon... (2 pages)View decision
