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 DRN-3645161
12 Jan 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3645161 Complaint Mr M is unhappy with Sainsbury’s Bank Plc’s decision to close his credit card account without notice and to load a fraud marker against his name. Background This case turns on three different properties to which Mr M has a connection. I’ll refer to these as Addresses ... (3 pages)View decision -
Decision Reference DRN-3644756
27 Sep 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3644756 The complaint Mr G complains that HSBC UK Bank Plc (‘HSBC’) registered a fraud prevention marker against him without due cause. What happened In January 2017, HSBC received an application for an account in Mr G’s name. It said there were discrepancies within that application – ... (2 pages)View decision -
Decision Reference DRN-3025261
16 Feb 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3025261 Complaint Miss F is unhappy that Monzo Bank Ltd recorded a Cifas marker against her name. Background Miss F has an account with Monzo. In January 2021, Monzo received two reports from other banks. These reports claimed that funds paid into Miss F’s account had been obtained fra... (2 pages)View decision -
Decision Reference DRN-3583868
22 Jul 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3583868 The complaint Mr S complains that Barclays Bank UK PLC closed his account and added a marker at CIFAS, the national fraud database. What happened Barclays said it hadn’t made a mistake. It had a received a report that a payment into the account of Mr S was fraudulently obtained... (3 pages)View decision -
Decision Reference DRN5827857
3 Aug 2018 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a CIFAS marker placed against Mrs S following a mortgage application that she and Mr S made to Bank of Scotland plc trading as Halifax in 2013. Mrs S says it caused her to lose a new job because the employer found the CIFAS marker after she... (2 pages)View decision -
Decision Reference DRN3262263
21 Mar 2014 Barclays Bank Plc UpheldBanking and creditMr M complains that Barclays Bank plc has closed his account without notice, will not return funds to him and has registered his details with a fraud alert scheme.background Mr M says that he registered his details with a job search website. He was contacted by someone offering him emplo... (2 pages)View decision -
Decision Reference DRN-4952294
24 Sep 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4952294 The complaint Mr A is unhappy that Santander UK Plc has loaded a Credit Industry Fraud Avoidance System (“Cifas”) marker against him. What happened In January 2024 Mr A was approached by a friend on a social media platform. He says they told him they needed to send money to... (3 pages)View decision -
Decision Reference DRN-4180151
6 Jul 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4180151 The complaint Mr B complains that Monzo Bank Ltd added a marker at CIFAS, the national fraud database, when it closed his account. What happened Mr B says he has been the victim with his account being taken over. He says he wasn’t involved in receiving any fraudulent funds and ... (3 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 DRN-5631659
5 Sep 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5631659 The complaint Miss S complains The Co-operative Bank Plc unfairly closed her account following transactions were made on her account she didn’t recognise. Miss S says the application of a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker a... (4 pages)View decision