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-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 -
Decision Reference DRN-4463547
8 Dec 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4463547 The complaint Mr H complains that Clydesdale Bank Plc (trading as Virgin Money) unfairly recorded a fraud marker against him and refuses to remove it. What happened Mr H held a current account with Virgin Money. In 2019, payments took Mr H into an unarranged overdraft. Mr H sai... (4 pages)View decision -
Decision Reference DRN4043121
21 Oct 2016 Barclays Bank Plc Not upheldBanking and creditMr T complains that Barclays Bank Plc has closed his accounts and registered adverse information about him with CIFAS. Mr T is also unhappy that it hasn’t been explained to him as to why the bank has taken these actions.backgroundMr T doesn’t think he’s been treated f... (2 pages)View decision -
Decision Reference DRN-3634151
31 Aug 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3634151 The complaint Miss T complains that Monzo Bank Ltd has recorded a marker at CIFAS, the national fraud database. What happened Miss T says that she found out about the marker when she tried to apply for a product at a different financial business. And this led to her other bank ... (3 pages)View decision -
Decision Reference DRN-2786193
27 May 2021 Starling Bank Limited Not upheldBanking and PaymentsDRN-2786193 The complaint Mr Z complains that Starling Bank Limited has registered a marker against him at CIFAS, the national fraud database. What happened Mr Z says he found out about this marker when he lost his employment. He has shown that the company he worked for said there were a n... (3 pages)View decision -
Decision Reference DRN-3766258
15 Nov 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3766258 The complaint Mr B complains that TSB Bank plc has registered a marker at CIFAS, the national fraud database. What happened Mr B says he was the victim of identity theft in 2020 and that an account at TSB was opened without his knowledge. He says that an account at a different ... (3 pages)View decision -
Decision Reference DRN7971092
29 Jan 2018 Santander UK Plc Not upheldBanking and creditMr and Mrs S complain that Santander UK Plc unfairly put them on the Credit Industry Fraud Avoidance Scheme (“CIFAS”) database.background to complaintI issued my provisional decision in December 2017; a copy of which is attached to, and forms part of, this final ... (6 pages)View decision -
Decision Reference DRN-2435911
28 Jan 2021 RCI Financial Services Limited UpheldConsumer CreditDRN-2435911 The complaint Mr Y complains that RCI Financial Services Limited has registered a marker at CIFAS, the national fraud database. What happened Mr Y said he applied for car finance with RCI in December 2016 but that this was declined. He found out in 2019 that RCI had added the m... (2 pages)View decision -
Decision Reference DRN-3586690
8 Jul 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3586690 The complaint Mr A complains that MBNA Limited held him liable for transactions that he says he didn’t make, and unfairly registered a marker with the fraud prevention agency CIFAS. He’d like the transactions refunded and the CIFAS marker removed. What happened Mr A had a credi... (5 pages)View decision -
Decision Reference DRN5957223
3 Sep 2019 Virgin Money plc UpheldBanking and creditMr B complains that Virgin Money plc wrongly recorded information about him with one or more fraud prevention agencies.background Mr B applied for a mortgage with Virgin in late 2018, through a broker. Virgin turned down his application. Mr B was concerned, so he asked CIFAS, a fraud preve... (2 pages)View decision
