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 DRN7897524
24 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited registered information with CIFAS in connection with her credit card account. backgroundIn 2012 Miss M says she was owed some money by a friend. She says the friend’s boyfriend offered to pay the debt by paying off her credit... (2 pages)View decision -
Decision Reference DRN-2395740
8 Jan 2021 Startline Motor Finance Limited Not upheldConsumer CreditDRN-2395740 The complaint Mr B complained because Startline Motor Finance Ltd recorded a fraud marker against his name. What happened In May 2019, Mr B complained to Startline. He’d discovered that Startline had recorded a marker against his name with the fraud prevention agency CIFAS. In ... (5 pages)View decision -
Decision Reference DRN2439283
22 Dec 2017 TSB Bank plc Not upheldBanking and creditD complain that TSB Bank plc (TSB) registered a Credit Industry Fraud Avoidance System (CIFAS) record against them when they declined a business account application.backgroundMr J is the owner of a company called D. He recently made a subject access request (SAR) and ... (2 pages)View decision -
Decision Reference DRN-6039082
23 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6039082 The complaint Miss B is unhappy that Bank of Scotland trading as Halifax applied a Cifas marker against her name. She would like the marker removed. Miss B is being represented by a member of her family but for ease I’ll only refer to Miss B below. What happened The backgr... (2 pages)View decision -
Decision Reference DRN-4891499
11 Sep 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4891499 The complaint Mr Y has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2023 Mr Y was told by Monzo that they were closing his account. They also lodged a fraud-related marker on his record with CIFA... (2 pages)View decision -
Decision Reference DRN-5127862
9 Dec 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5127862 The complaint Mr A has complained HSBC UK Bank plc lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In July 2024 Mr A was asked by HSBC about a payment of £1,438.81 received into his account. He confirmed this was a payment for ... (2 pages)View decision -
Decision Reference DRN-3040073
15 Oct 2021 TSB Bank plc UpheldBanking and PaymentsDRN-3040073 The complaint Mr I is unhappy National Westminster Bank Plc (“NatWest”) have held him liable for transactions he’s said were carried out by scammers. What happened In November 2020 Mr I opened a current account with NatWest. On 4 February 2021 Mr I says he withdrew £100 from a... (4 pages)View decision -
Decision Reference DRN-4319855
8 Sep 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4319855 The complaint Mr C is unhappy with the actions of HSBC UK Bank Plc (“HSBC”) following an application he made for a bank account. What happened The circumstances surrounding this complaint are well known to both parties, so I won’t repeat them in great detail here. But broadly ... (3 pages)View decision -
Decision Reference DRN-3178539
25 Feb 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3178539 The complaint Mr A complains that Barclays Bank UK PLC (“Barclays”) recorded a fraud prevention marker against him without due cause. What happened In May 2018, Barclays received an application for an account in Mr A’s name. It said there were discrepancies within that applicat... (3 pages)View decision -
Decision Reference DRN-2368073
1 Dec 2020 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2368073 The complaint Mr M complains that Clydesdale Bank Plc trading as Yorkshire Bank unfairly recorded a marker at CIFAS the national fraud database. What happened Mr M contacted Yorkshire Bank in October 2018 when he found his bank account had been frozen. He says he knew nothing a... (3 pages)View decision