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-4090771
11 Jul 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4090771 The complaint Mrs V has complained Lloyds Bank PLC closed her accounts and added a fraud-related marker to her record. What happened In 2022 Mrs V discovered Lloyds – who’d closed her personal accounts – had added a fraud-related marker to the industry database, CIFAS, for misu... (2 pages)View decision -
Decision Reference DRN6552444
3 Oct 2017 Bank of Scotland Plc Not upheldBanking and creditMr C complains that Bank of Scotland plc, trading as “Halifax”, wrongly notified the credit agencies when he was the victim of identity theft in 2015.backgroundMr C says he was the victim of identity fraud in 2015 when accounts were fraudulently opened at several b... (2 pages)View decision -
Decision Reference DRN5046734
20 Apr 2020 Barclays Bank UK PLC UpheldBanking and creditMrs E is unhappy that Barclays Bank PLC prevented access to her funds and closed her four bank accounts. She’d like compensation to recognise the impact their actions. background Mrs E had four bank accounts with Barclays. On the 5 September 2018 Barclays restricted Mrs E’s access to her a... (2 pages)View decision -
Decision Reference DRN-5011450
24 Sep 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5011450 The complaint Mr B has complained that Barclays Bank UK PLC, trading as Barclaycard, unfairly declined his application for a credit card. What happened Mr B applied for a Barclaycard, but his application was declined. He feels this was because of a CIFAS marker, and that Bar... (2 pages)View decision -
Decision Reference DRN-4053360
25 May 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4053360 The complaint Mr A complains Barclays Bank UK Plc unfairly closed his accounts, prevented him from accessing his educational stipend, discriminated against him, and unfairly recorded a CIFAs marker against him. What happened Mr A held a current account and a savings account wit... (6 pages)View decision -
Decision Reference DRN6481512
14 Aug 2018 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank PLC decided to close his account whilst he was abroad. backgroundMr B received a text message from Lloyds in February 2018 that his account would be closed in 60 days and that in the meantime all transactions would be blocked. A letter... (3 pages)View decision -
Decision Reference DRN-6003409
18 Feb 2026 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-6003409 The complaint Mr D complains J.P. Morgan Europe Limited trading as Chase recorded a marker against him on a national fraud database. He doesn’t think it’s treated him fairly. What happened Below is a summary. Mr D received a large payment into his Chase account through a ban... (3 pages)View decision -
Decision Reference DRN-5750968
18 Dec 2025 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-5750968 The complaint Miss P complains about a fraud marker that was reported in relation to a finance application with Mercedes-Benz Financial Services UK Limited (“MBFS”). What happened As both parties are familiar with the circumstances of this complaint, I’ve summarised them br... (3 pages)View decision -
Decision Reference DRN-4865671
28 Oct 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4865671 The complaint Mr M complains Barclays Bank UK PLC registered a fraud marker at Cifas, the national fraud database. He doesn’t think it’s done so fairly. What happened Mr M held an account with Barclays – it was opened in April 2022. On 10 May 2022 a number of large payments... (3 pages)View decision -
Decision Reference DRN-4967182
30 Aug 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4967182 The complaint Mr N is unhappy that Barclays Bank UK PLC placed an adverse fraud marker against his name. What happened As the circumstances of this complaint are well-known to both parties, I’ve summarised them briefly below. Mr N held an account with Barclays. In February 2... (3 pages)View decision