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 1929 results
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Decision Reference DRN5154782
1 Aug 2014 Barclays Bank Plc UpheldBanking and creditMr G complains that Barclays Bank Plc wrongfully submitted a CIFAS (Credit Industry Fraud Avoidance System) marker against his details. He says that this has led to him suffering serious financial consequences, including being refused credit and being unable to obtain a mortgage. backgro... (2 pages)View decision -
Decision Reference DRN8167626
15 Mar 2018 Experian Limited Not upheldBanking and creditMr H has complained that Experian Limited provided a poor service when he asked about a fraud marker on his file.backgroundMr H said he didn’t get a job because of information on his credit file.He asked Experian for an explanation. It told him a bank had registered... (2 pages)View decision -
Decision Reference DRN-5329994
13 Feb 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5329994 The complaint Mr I complains that Monzo Bank Ltd unfairly loaded a CIFAS marker under his name. What happened Around February last year, Monzo loaded a CIFAS marker under Mr I’s name following the immediate closure of his account. This was in response to a report it received... (3 pages)View decision -
Decision Reference DRN-3632974
10 Aug 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3632974 The complaint Mr N complains that Lloyds Bank PLC closed his account and added a marker at CIFAS, the national fraud database. What happened Mr N says he contacted Lloyds in March 2021 to complain about a CIFAS marker. This related to a payment he had received into his account ... (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 DRN-3410831
4 May 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3410831 The complaint Miss T complained because TSB Bank plc recorded a marker against her name on the anti- fraud database CIFAS. What happened Miss T opened an account with TSB on 16 December 2020. On 13 January 2021, a £6543.79 credit was paid into the account, and immediately trans... (3 pages)View decision -
Decision Reference DRN-3574510
28 Feb 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3574510 The complaint Mr K has complained that HSBC UK Bank Plc has registered a marker against him at CIFAS – the national fraud database. What’s happened? HSBC decided to terminate its banking relationship with Mr K in May 2018, and it registered a fraud marker against him with CIFAS... (2 pages)View decision -
Decision Reference DRN-4032103
18 Apr 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4032103 The complaint Mrs U complains that HSBC UK Bank Plc registered a marker about her at CIFAS, the national fraud database, when it closed her account. What happened HSBC said it had received a report that £3,000 paid into Mrs U’s account on 9 August 2021 had been obtained fraudul... (3 pages)View decision -
Decision Reference DRN-3584013
22 Jul 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3584013 The complaint Mr A complains that Monzo Bank Ltd added a marker about him at CIFAS, the national fraud database. What happened Mr A says he hasn’t been involved in any fraudulent activity and that the marker hasn’t been added fairly. Monzo Bank said it received a report that a ... (3 pages)View decision -
Decision Reference DRN-5210668
21 Mar 2025 Startline Motor Finance Limited UpheldConsumer CreditDRN-5210668 The complaint Miss H complains that Startline Motor Finance Limited (‘SMF’) recorded an adverse fraud marker against her name. What happened As both parties are familiar with the circumstances of this complaint, I have summarised them briefly below. In August 2021, Miss H en... (3 pages)View decision