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-2026390
7 Sep 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2026390The complaintMr E complains that Barclays Bank UK PLC has registered a marker at CIFAS, the national fraud database. What happenedMr E applied for an account with Barclays in 2019. He was asked about his address history. When Barclays assessed his application, it found he had no... (2 pages)View decision -
Decision Reference DRN4306774
30 Dec 2019 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc has registered a marker at CIFAS, the national fraud prevention agency, which is affecting her ability to obtain borrowing.backgroundMs R applied for a buy to let mortgage with NatWest in November 2018. This was declined and so, she says, w... (2 pages)View decision -
Decision Reference DRN8432898
7 Jul 2016 Bank of Scotland Plc Not upheldBanking and creditMr E complains that Bank of Scotland plc (trading as Halifax) closed his current account. He wants the account opened and compensation.backgroundMr E told us Halifax closed his current account after receiving information from other banks and the Credit Industry Frau... (1 page)View decision -
Decision Reference DRN-5950965
28 Nov 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5950965 The complaint Miss M has complained TSB Bank plc lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss M held an account with TSB. This wasn’t her only account so when her cousin needed somewhere to enable his universal credits ... (2 pages)View decision -
Decision Reference DRN-2900243
29 Jun 2021 Starling Bank Limited UpheldBanking and PaymentsDRN-2900243 The complaint Mr G complains that Starling Bank Limited treated him unfairly when he applied for an account with it. What happened I issued my provisional decision on this complaint on 9 June 2021. I’ve set this out below. These were my provisional conclusions, subject to any ... (3 pages)View decision -
Decision Reference DRN3784780
12 Sep 2016 Santander UK Plc Not upheldBanking and creditThis complaint is about what happened when Mr D made a mortgage application to Santander UK Plc.Santander recorded a fraud indicator (which it later removed). But Mr D’s borrowing application was declined and he holds Santander responsible for five figure losses he’... (2 pages)View decision -
Decision Reference DRN-5713458
24 Nov 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5713458 The complaint Mr F complains that Capital One (Europe) plc recorded a Cifas marker against his name. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide an overview of some of the key events here. In March 2024 Capita... (2 pages)View decision -
Decision Reference DRN4823440
20 Apr 2020 Lloyds Bank PLC UpheldBanking and creditMrs O has complained that Lloyds Bank Plc recorded a Credit Industry Fraud Avoidance System (CIFAS) marker against her name. CIFAS is one of the UK’s fraud prevention agencies.what happenedFollowing an account review in June 2018, Lloyds gave Mrs O notice they were going to close her accou... (3 pages)View decision -
Decision Reference DRN-5718093
28 Jul 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5718093 The complaint M J has complained Nationwide Building Society unfairly lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. Mr J also says Nationwide has not dealt with his chargeback requests fairly. What happened Mr J had a current account with... (5 pages)View decision -
Decision Reference DRN-4973229
19 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4973229 The complaint Miss M complains that Monzo Bank Ltd closed her account and registered a CIFAS marker against her name. What happened Miss M says that, in or around September 2022, her brother asked her to provide him with the details of her Monzo account. She says he explaine... (2 pages)View decision