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 DRN3540913
23 Jun 2020 Barclays Bank UK PLC Not upheldBanking and creditComplaintMr O1 has complained that Barclays Bank UK Plc closed his accounts and registered a CIFAS marker against his name.Mr O2, his father, represents him.BackgroundMr O1 says he can’t open any banks accounts because Barclays has registered a fraud marker against his name. He wants Barcl... (4 pages)View decision -
Decision Reference DRN-3535349
1 Jul 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3535349 The complaint Miss A complains that Monzo Bank Ltd added a marker about her at CIFAS the national fraud database when it closed her account. What happened Miss A said she found out about the marker when her bank account at a different financial business was closed. She says she... (3 pages)View decision -
Decision Reference DRN1439229
14 Jan 2020 Metro Bank PLC UpheldBanking and creditMr A complains that Metro Bank PLC (“Metro”) registered his details with CIFAS and closed his account, causing serious repercussions for him.backgroundI issued a provisional decision on 25 November 2019, a copy of which is attached as it forms part of this final decision. Mr A accepted my ... (7 pages)View decision -
Decision Reference DRN-2495300
11 Jan 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2495300 The complaint Mr A has complained that TSB Bank plc refused to refund transactions on his account, which he says he didn’t make, and that it registered a fraud (CIFAS) marker against his name. What happened On 4 November 2019, between 03.55 and 04.45, there were multiple faster... (4 pages)View decision -
Decision Reference DRN-3399338
30 Mar 2022 Startline Motor Finance Limited UpheldConsumer CreditDRN-3399338 The complaint Mr R has complained that STARTLINE MOTOR FINANCE LIMITED (‘Startline’) has recorded a default on his credit file and registered a marker against him at CIFAS – the national fraud database. What’s happened? Mr R entered into a hire purchase agreement with Startline... (6 pages)View decision -
Decision Reference DRN9603242
21 Mar 2018 Barclays Bank Plc Not upheldBanking and creditMrs G complains Barclays Bank Plc closed her account and hasn’t explained why. She also complains that Barclays unfairly placed a Credit Industry Fraud Avoidance System (CIFAS) marker against her name. And it didn’t allow her access to the money in her account. She wants ... (3 pages)View decision -
Decision Reference DRN-2971947
23 Mar 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2971947 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) registered a fraud prevention marker against him without due cause. What happened Mr B held a credit card account with Vanquis from December 2019 to March 2020. During this time, Mr B utilised the credit balance... (4 pages)View decision -
Decision Reference DRN-3409900
31 Mar 2022 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3409900 The complaint Mr K has complained that Clydesdale Bank Plc (also known as Virgin Money) registered a marker against him at CIFAS, the national fraud database. What happened In early 2020, Mr K applied for a credit card with Clydesdale. He says there was a technical error when h... (3 pages)View decision -
Decision Reference DRN-4853432
17 Jul 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4853432 The complaint Mr A complains that Monzo Bank Ltd unfairly closed his account and loaded a CIFAS (Credit Industry Fraud Avoidance System) marker against his name. What happened Around October last year, Monzo decided to close Mr A’s account immediately and later loaded a CIFA... (3 pages)View decision -
Decision Reference DRN1524063
29 May 2018 Bank of Scotland Plc Not upheldBanking and creditMr B complains that Bank of Scotland plc (trading as Birmingham Midshires) placed a fraud marker on his record.backgroundMr B applied for a mortgage with Birmingham Midshires in 2014. His application was declined. He says he didn’t think about the application again un... (3 pages)View decision