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
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Decision Reference DRN-3604054
23 Aug 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3604054 The complaint Mr S complains that Monzo Bank Ltd has registered a marker at CIFAS the national fraud database. What happened Mr S says he was asked by someone from college to open an account in May 2021. And that he allowed that account to be used by this person and would benef... (3 pages)View decision -
Decision Reference DRN0307027
23 Dec 2019 TSB Bank plc UpheldBanking and creditMr D complains that TSB Bank plc reported information about him to a fraud prevention agency in connection with a mortgage application. He also complains that it didn’t tell him about this when he asked it later to send him all the information it held about him.backgroundI set out the back... (3 pages)View decision -
Decision Reference DRN-2282011
27 Oct 2020 Lloyds Bank PLC UpheldBanking and PaymentsDRN-2282011 The complaint Mr N complains that Lloyds Bank PLC has registered a marker at CIFAS, the national fraud database, which is preventing him from opening an account elsewhere. What happened Mr N received a payment of £1,500 into his account at Lloyds on 27 August 2018 at 20:58. Thi... (4 pages)View decision -
Decision Reference DRN-4189491
14 Jun 2023 Revolut Ltd UpheldBanking and PaymentsDRN-4189491 The complaint Mr N has complained that Revolut Ltd registered a marker against him at CIFAS, the national fraud database. What happened In summer 2022, Mr N received and passed on £300, which was later reported as being the proceeds of a scam. He sent it to an individual on ano... (5 pages)View decision -
Decision Reference DRN-2599561
17 Feb 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2599561 The complaint Miss K complains that Santander UK Plc closed her account and recorded a Credit Industry Fraud Awareness System (CIFAS) marker against her name. She feels the marker should be removed. What happened I sent Miss K and Santander a provisional decision on 13 January ... (2 pages)View decision -
Decision Reference DRN-5479090
22 Sep 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5479090 The complaint Mrs I complains Monzo Bank Ltd (“Monzo”) closed her account and applied an adverse fraud marker against her. Mrs I adds she couldn’t properly deal with Monzo’s queries leading up to the closure due to the severity and sensitivity of her personal circumstances a... (2 pages)View decision -
Decision Reference DRN-3973010
30 Mar 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3973010 The complaint Ms R and Mr T complain that Santander UK Plc made errors when it added Ms R to Mr T’s account that resulted in fraudulent activity on the joint account. Ms R and Mr T are unhappy with the redress offered by Santander UK Plc. What happened Ms R and Mr T visited a l... (2 pages)View decision -
Decision Reference DRN-3081400
22 Nov 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3081400 The complaint Mr L complains about Santander UK Plc’s decision to close his account and register a fraud marker against him. What happened In May 2020, Mr L received a credit of £777.18 into his account. The next day, Mr L made two cash withdrawals and a transfer to his own acc... (4 pages)View decision -
Decision Reference DRN7523473
24 Nov 2016 Capital One (Europe) plc Not upheldBanking and creditMr O complains that Capital One (Europe) plc has when it recorded information on the Credit Industry Fraud Avoidance System (CIFAS) database about him.backgroundMr O’s Capital One credit card received a £999.99 credit on 15 February 2016. The payment was made using ... (2 pages)View decision -
Decision Reference DRN3112391
13 Mar 2020 Barclays Bank UK PLC Not upheldBanking and creditMr D complains that Barclays Bank UK PLC has reported information about him to CIFAS, the UK’s fraud alert service, and that the bank closed his account. He thinks this is unfair. backgroundMr D held an account with Barclays. On 22 April 2017, his account was credited with £2,000 through a... (4 pages)View decision