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 DRN-2691157
18 Mar 2021 Santander UK Plc UpheldBanking and PaymentsDRN-2691157 The complaint Mr B complains that, when he applied online for an account with Santander UK Plc, the account was opened but later blocked. He received notice from Santander to say it was withdrawing its banking facilities and the account was closed. Mr B says he wants the accoun... (4 pages)View decision -
Decision Reference DRN3906576
1 Feb 2019 Capital One (Europe) plc UpheldBanking and creditMs M complains Capital One (Europe) Plc unfairly placed a Credit Industry Fraud Avoidance System (CIFAS) marker against her name. She wants Capital One to remove the marker and compensate her for the distress and inconvenience this caused. backgroundMs M had a credit ca... (3 pages)View decision -
Decision Reference DRN8715709
25 Jun 2019 Metro Bank PLC UpheldBanking and creditMr C complains Metro Bank PLC unfairly placed a Credit Industry Fraud Avoidance System (CIFAS) marker against his name. He says this has stopped him from being open to bank account. He wants Metro to remove the marker and compensate him for the distress and inconvenience this caused. backg... (3 pages)View decision -
Decision Reference DRN-3340380
10 Oct 2022 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-3340380 The complaint Mr S complains that Santander Consumer (UK) Plc trading as Santander Consumer Finance (“Santander”) unfairly recorded a CIFAS marker in relation to his conditional sale agreement with it. What happened Mr S entered into a conditional sale agreement with Santander... (4 pages)View decision -
Decision Reference DRN-5329529
21 Mar 2025 Nationwide Building Society Not upheldMortgagesDRN-5329529 The complaint Mr S complains that Nationwide Building Society unfairly registered a CIFAS marker against him, after he’d applied for a mortgage which was declined. What happened Mr S is represented in this case, but I will refer to Mr S only throughout, for ease. Mr S applie... (4 pages)View decision -
Decision Reference DRN5748726
21 Jan 2020 Barclays Bank UK PLC UpheldBanking and creditMiss P complains that Barclays Bank UK PLC closed her bank accounts without notice and unfairly placed a Credit Industry Fraud Avoidance System (CIFAS) marker against her name. Miss P wants Barclays to remove the marker and pay compensation for the trouble and upset she was caused by Barcl... (4 pages)View decision -
Decision Reference DRN-5619063
20 Jun 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5619063 The complaint P had a business current account with Barclays that was blocked then closed and a CIFAS marker reported. P says the CIFAS was incorrect but was later removed. Mrs P is unhappy the account was blocked and closed and the impact the CIFAS has had on her, and the b... (5 pages)View decision -
Decision Reference DRN3760986
30 May 2019 AIB Group (UK) Plc Not upheldBanking and creditMrs B complains AIB Group (UK) Plc treated her unreasonably when she tried to set up power of attorney for her account. For this complaint Mrs B is represented by four of her children. For ease of understanding I will refer, unless I state otherwise, to the represe... (2 pages)View decision -
Decision Reference DRN-5790046
23 Dec 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5790046 The complaint Mr C complains Monzo Bank Ltd unfairly applied a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against his name. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provid... (3 pages)View decision -
Decision Reference DRN0321327
30 Sep 2019 Bank of Scotland Plc Not upheldBanking and creditMr O complains that Bank of Scotland plc (trading as Halifax) has reported adverse information about him to CIFAS, the UK’s fraud alert service.backgroundHalifax received a report from a different financial business stating that fraudulently obtained funds of £773 had been paid into an acc... (4 pages)View decision