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-5763828
12 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5763828 The complaint Mr O has complained Clydesdale Bank plc, trading as Virgin Money, lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr O opened an account with Virgin Money in June 2023. Virgin Money received a fraud notification f... (2 pages)View decision -
Decision Reference DRN-2726964
7 Jun 2021 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-2726964 The complaint Mr M complains that Shop Direct Finance Company Limited trading as Very refused his application for a credit account, having initially approved it. He wants compensation and reports of the credit checks to be removed from his credit file. What happened Mr M tells ... (2 pages)View decision -
Decision Reference DRN-5736439
18 Aug 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5736439 The complaint Miss T has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss T found her main bank account had an alert for potential fraudulent activity and realised her ex-boyfriend had been misusin... (2 pages)View decision -
Decision Reference DRN-2310346
16 Dec 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2310346 The complaint Mr O has complained that Barclays Bank UK PLC registered a marker against him at CIFAS, the national fraud database. What happened In 2018, four bank transfers were paid into Mr O’s account, then sent on shortly afterwards. Barclays then received notifications fro... (3 pages)View decision -
Decision Reference DRN-5513455
16 Jul 2025 Metro Bank PLC UpheldConsumer CreditDRN-5513455 The complaint Mr K complains Metro Bank PLC trading as RateSetter registered a CIFAS marker against him in relation to a loan he’d taken out in 2021. What happened Mr K took out a personal loan for £2,500 loan with Ratesetter in October 2021. Ratesetter were contacted just o... (3 pages)View decision -
Decision Reference DRN-5640108
4 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5640108 The complaint Mr B complains HSBC UK Bank Plc unfairly recorded a Cifas marker against him. He wants the marker removed and compensation for the impact the marker has had on him. What happened The background that led to HSBC recording a marker against Mr B are understood by ... (4 pages)View decision -
Decision Reference DRN-5329994
13 Feb 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5329994 The complaint Mr I complains that Monzo Bank Ltd unfairly loaded a CIFAS marker under his name. What happened Around February last year, Monzo loaded a CIFAS marker under Mr I’s name following the immediate closure of his account. This was in response to a report it received... (3 pages)View decision -
Decision Reference DRN-3632974
10 Aug 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3632974 The complaint Mr N complains that Lloyds Bank PLC closed his account and added a marker at CIFAS, the national fraud database. What happened Mr N says he contacted Lloyds in March 2021 to complain about a CIFAS marker. This related to a payment he had received into his account ... (3 pages)View decision -
Decision Reference DRN-5447164
26 Aug 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5447164 The complaint Mr N has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr N found his account with Monzo had been closed and that Monzo had lodged a fraud- related marker on his record with CIFAS. This... (2 pages)View decision -
Decision Reference DRN-4759062
3 May 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4759062 The complaint Mr A is unhappy Barclays Bank UK PLC have recorded a Cifas marker on his credit file and he’d like this to be removed. What happened Mr A says he allowed his friend to use his account which received a credit of £1,100 on 14 June 2023 and was withdrawn on the same ... (4 pages)View decision