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 1938 results
-
Decision Reference DRN-5541976
23 Sep 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5541976 The complaint Ms O complains Monzo Bank Ltd has recorded her personal details with Cifas – a fraud prevention database - and won’t remove them. What happened On 18 January 2025, Ms O received a payment of £998 into her Monzo account. On the same day, Monzo received notifica... (3 pages)View decision -
Decision Reference DRN-3271719
9 Mar 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3271719 The complaint Mr C complains about what Barclays Bank UK PLC has offered to put things right following his complaint that it incorrectly reported information about him to the CIFAS fraud prevention database. What happened Mr C had a current account and savings account with Barc... (2 pages)View decision -
Decision Reference DRN7586472
1 Aug 2014 Barclays Bank Plc UpheldBanking and creditMr B complains about the way Barclays Bank Plc (trading as Barclaycard) treated him following some fraudulent transactions on his credit card account. backgroundBarclaycard detected some fraudulent transactions on Mr B’s credit card account. It stopped his card, contacted him and refun... (2 pages)View decision -
Decision Reference DRN-3409648
8 May 2022 TRANSUNION INTERNATIONAL UK LIMITED UpheldConsumer CreditDRN-3409648 The complaint Mr B complains that TransUnion International UK Limited included information on his credit file that belonged to his sibling. What happened In about May 2021, Mr B applied for a mortgage in principle so that he could view a property he was thinking of buying. Howe... (2 pages)View decision -
Decision Reference DRN-3238469
12 Jul 2022 Tesco Personal Finance PLC Not upheldMortgagesDRN-3238469 The complaint Mr S complains that Tesco Personal Finance PLC, trading as Tesco Bank, recorded a marker against his name on a fraud prevention database. What happened Mr S and his wife applied to Tesco for a mortgage in early 2019. Tesco approved their application and made a mor... (2 pages)View decision -
Decision Reference DRN-3777465
28 Oct 2022 N26 Bank GmbH UpheldBanking and PaymentsDRN-3777465 The complaint Mr H complains that N26 Bank GmbH unfairly lodged a marker with CIFAS about him. What happened Mr H has explained that he was operating a legitimate enterprise using a social media outlet I’ll refer to as M. This particular outlet’s messages usually disappeared on... (6 pages)View decision -
Decision Reference DRN-4006695
1 Sep 2023 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4006695 The complaint Mr T complains Monzo Bank Ltd (“Monzo”) restricted and then closed his account without warning. He also complains that two transactions he’d received for selling goods were returned to the remitting account and that a fraud marker has been registered against him u... (5 pages)View decision -
Decision Reference DRN4838420
19 Aug 2020 Nationwide Building Society Not upheldBanking and creditMiss D complains that Nationwide Building Society(‘Nationwide’) closed her bank account and filed a Credit Industry Fraud Avoidance System (‘CIFAS’) marker against her name. She says she’s been unable to open a student account with another bank and thinks Nationwide is responsible for this... (4 pages)View decision -
Decision Reference DRN-5602962
18 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5602962 The complaint Mr T has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In December 2024 Monzo received fraud reports from other banks about payments made into Mr T’s Monzo account. These payments were ... (2 pages)View decision -
Decision Reference DRN-3507738
24 Aug 2022 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3507738 The complaint Mr A has complained Mitsubishi HC Capital UK plc has applied a fraud-related marker to his record which they won’t remove. What happened Mr A bought a ring in 2016. He was persuaded to apply for credit but was rejected. He wasn’t concerned by this as he was always... (2 pages)View decision