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-4197131
19 Jun 2023 N26 Bank GmbH Not upheldBanking and PaymentsDRN-4197131 The complaint Mr K complains that N26 Bank GmbH (“N26”) wrongly registered a CIFAS marker against his name. CIFAS is the UK’s fraud alert service. What happened N26 is an online and mobile bank which operated in the UK between 2013 and 2020. In December 2018 N26 opened an accou... (2 pages)View decision -
Decision Reference DRN7030351
11 Apr 2016 Santander UK Plc Not upheldBanking and creditMr B complains that Santander UK Plc has not treated him fairly in that it will not explain how his name came to appear on a death certificate and will not give him enough reassurance that his personal information has not been compromised. background Santander wrote... (2 pages)View decision -
Decision Reference DRN8990624
7 Jun 2017 Santander UK Plc Not upheldBanking and creditMr F complains that Santander UK Plc wrongly recorded his details on the Credit Industry Fraud Avoidance System (CIFAS).background Santander recorded a fraud indicator (which it later removed) against Mr F. But Mr F says, because of this, he lost out on a better paid ... (2 pages)View decision -
Decision Reference DRN-3089551
4 Nov 2021 PrePay Technologies Limited UpheldBanking and PaymentsDRN-3089551 Complaint The complainant N (a limited company) is unhappy that PrePay Technologies Limited has recorded a Cifas marker against one of its directors. Background N is a limited company which had an account with PrePay. In bringing this complaint, it’s represented by Mr C, a dire... (2 pages)View decision -
Decision Reference DRN8873212
5 Aug 2016 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank PLC closed his account without notice, and recorded his details on the Credit Industry Fraud Avoidance System (CIFAS). backgroundIn 2014, Barclays closed Mr M’s current account. It didn’t give him any notice, but sent him a letter to e... (2 pages)View decision -
Decision Reference DRN-3563753
15 Aug 2022 PrePay Technologies Limited UpheldBanking and PaymentsDRN-3563753 The complaint E, a limited company complains that PrePay Technologies Limited (PrePay) unfairly refused to open a business account. E, through its director, Mr M, wants PrePay to apologise, explain why it refused to open the account and pay compensation for the time taken and t... (2 pages)View decision -
Decision Reference DRN5619471
5 Dec 2019 Bank of Scotland Plc Not upheldBanking and creditMiss S complains that Bank of Scotland plc (trading as Halifax) made an entry about her on a fraud prevention database when it rejected a mortgage application she’d made.backgroundMiss S applied for a mortgage directly with Halifax in 2015. She says that Halifax’s adviser told her not to d... (2 pages)View decision -
Decision Reference DRN-3885848
18 Apr 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3885848 The complaint Mr A complains that National Westminster Bank Plc added a marker at CIFAS, the national fraud database, when it closed his account. What happened NatWest said that it received a report that credits of £1,680 paid into Mr A’s account on 23 January 2017 were fraudul... (3 pages)View decision -
Decision Reference DRN-4855130
11 Sep 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4855130 The complaint Mr D has complained National Westminster Bank plc lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2020 Mr D was told by NatWest that they were closing his account. In 2024 Mr D complained and asked NatWest to r... (1 page)View decision -
Decision Reference DRN-3068141
16 Nov 2021 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3068141 The complaint The complaint, in summary is that Clydesdale Bank Plc unfairly declined N’s application to switch its business bank account from another provider and placed a CIFAS marker against its director. With the liquidator’s consent Mr N, the director of N, has brought the... (3 pages)View decision