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 1668 results
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Decision Reference DRN-4849361
10 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4849361 The complaint Mr P is unhappy that Monzo Bank Ltd loaded an adverse fraud marker against his name unfairly. What happened As the circumstances of this complaint are well-known to both parties, I’ve summarised them briefly below. Mr P held an account with Monzo. In November of 2... (3 pages)View decision -
Decision Reference DRN-1880713
13 Jul 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-1880713 The complaintMiss B complains that Barclays Bank UK PLC closed her account and recorded a CIFAS marker against her name. She says this had a huge impact on her life and she wants compensation, in particular for being out of work for two years. CIFAS is one of the UK’s fraud al... (2 pages)View decision -
Decision Reference DRN-4673869
9 May 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4673869 The complaint Mr W is unhappy that Nationwide Building Society registered a Cifas marker against his name. Cifas is the UK’s fraud prevention agency. Mr W is also unhappy that Nationwide won’t disclose certain information to him. He wants the marker removed. What happened The b... (3 pages)View decision -
Decision Reference DRN-3442045
12 May 2022 N26 Bank GmbH Not upheldBanking and PaymentsDRN-3442045 The complaint Miss A complains N26 Bank GmbH unfairly recorded a Cifas marker against her on the national fraud database. She wants the marker removed. What happened Our investigator stated the background facts that led to Miss A’s complaint in their view. I find no need to rep... (4 pages)View decision -
Decision Reference DRN3818597
3 Dec 2018 TSB Bank plc Not upheldBanking and creditMr A’s unhappy about the information TSB Bank plc has recorded against him after he made an unsuccessful online application for a bank account.backgroundTSB said in its final response that Mr A made an online application for a bank account. He was asked to provide mo... (2 pages)View decision -
Decision Reference DRN-2781095
27 Apr 2021 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-2781095 The complaint Mr A complains that Mercedes-Benz Financial Services UK Limited (MBFS) registered a fraud prevention marker against him without due cause. What happened In January 2016, Mr A acquired a car through a hire purchase agreement with MBFS. Mr A says he then gave the ca... (3 pages)View decision -
Decision Reference DRN-4943400
1 Aug 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4943400 The complaint Mr A is unhappy that Nationwide Building Society incorrectly told him that a CIFAS fraud marker they’d reported against him would expire in March 2024, rather than in July 2025 as is correct. What happened Nationwide registered a CIFAS marker against Mr A in Ju... (2 pages)View decision -
Decision Reference DRN0118980
11 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMr H complains that his bank, Lloyds Bank PLC, filed an adverse report with Cifas and he wants it to be removed. This happened after he received £50,000 from someone he knows, from an account with another bank (bank A). Mr H was also unhappy that Lloyds closed his ac... (3 pages)View decision -
Decision Reference DRN-5219733
20 Dec 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5219733 The complaint Ms P complains that HSBC UK Bank Plc has unfairly applied a CIFAS marker against her name following a S.75 claim. HSBC says it has removed the marker and offered £500 compensation to Ms P. But Ms P would like HSBC to pay her more compensation (minimum £5,000) f... (2 pages)View decision -
Decision Reference DRN-3068145
16 Nov 2021 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3068145 The complaint The complaint, in summary is that Clydesdale Bank Plc unfairly declined W’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 W, has brought the... (3 pages)View decision
