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-5083444
25 Nov 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5083444 The complaint Mr A has complained Lloyds Bank plc lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In mid-2024 Mr A was told by Lloyds that they were initially blocking and then closing his account. They also lodged a fraud-rela... (2 pages)View decision -
Decision Reference DRN-4918988
20 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4918988 The complaint Mr H complains Barclays Bank UK PLC (Barclays) unfairly loaded a Credit Industry Fraud Avoidance System (Cifas) marker on the National Fraud Database. He wants the marker removed and compensation. What happened In January 2024, Mr H contacted Barclays to report... (3 pages)View decision -
Decision Reference DRN-3024931
5 Oct 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3024931 The complaint Mr H complains that Bank of Scotland plc trading as Halifax Building Society has added a marker about him at CIFAS, the national fraud database. What happened Mr H says that he had no knowledge of fraudulent activity on his account. Halifax has closed the account ... (3 pages)View decision -
Decision Reference DRN4961152
1 Nov 2018 Advantage Insurance Company Limited Not upheldInsurance (excluding PPI)Mr K complains that Advantage Insurance Company Limited voided his car insurance policy and recorded his details on CIFAS, the insurance fraud database. Asa result he can’t get car insurance.backgroundMr K set up a car insurance policy online in 2014. He said he had a ... (2 pages)View decision -
Decision Reference DRN-5505788
4 Jun 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5505788 The complaint Mr O complains that Bank of Scotland plc trading as Halifax made an entry on the Cifas fraud prevention database in connection to his mortgage application. What happened Mr O applied for a joint mortgage with Halifax in 2024. The application recorded that he wa... (3 pages)View decision -
Decision Reference DRN2923578
24 Feb 2020 Barclays Bank UK PLC Not upheldBanking and creditMr M complains that Barclays Bank UK PLC closed his current account and registered a fraud prevention marker against him without due cause.BackgroundIn 2016 Mr M connected with another individual, who we’ll call Mr A, through a website designed to connect investors with entrepreneurs. They... (3 pages)View decision -
Decision Reference DRN-3408802
31 Mar 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3408802 The complaint Mr K complains that National Westminster Bank Plc unfairly registered a marker against him with Cifas. What happened Mr K had a bank account with NatWest which was closed a few years ago. Recently, Mr K became aware that a marker had been lodged against him with C... (3 pages)View decision -
Decision Reference DRN-2483014
31 Mar 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2483014 The complaint Mr K complains that National Westminster Bank Plc unfairly registered a marker against him with Cifas. What happened Mr K had a bank account with NatWest which was closed a few years ago. Recently, Mr K became aware that a marker had been lodged against him with C... (3 pages)View decision -
Decision Reference DRN-3372211
23 Mar 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3372211 Complaint Mr M is unhappy that Santander closed his account and record a Cifas marker against his name. Background Mr M had an account with Santander. In November 2020, the account received two payments that Santander were concerned about. Santander closed Mr M’s account and lo... (3 pages)View decision -
Decision Reference DRN-2279724
30 Oct 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2279724 The complaint Mr L complains that Santander UK Plc blocked and then closed his personal bank account, and wrongly recorded a Cifas fraud marker against him. What happened Mr L had a personal bank account with Santander. He was also the director of two companies which both had b... (2 pages)View decision