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-4126416
7 Jun 2023 N26 Bank GmbH Not upheldBanking and PaymentsDRN-4126416 The complaint Mr T complains that N26 Bank GmbH added a marker about him at CIFAS, the national fraud database, when it closed his account. What happened Mr T says he opened an account in 2019 with N26 Bank for investment but never used it. In 2022 he found out that N26 Bank ha... (3 pages)View decision -
Decision Reference DRN-3589690
6 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3589690 The complaint Mr A complains about a default marker Barclays Bank UK Plc have recorded against him with the credit reference agencies. He’d like the marker removed. What happened Mr A held a current account with Barclays. In June 2020 two payments left his account totalling £97... (3 pages)View decision -
Decision Reference DRN-3748660
20 Oct 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3748660 The complaint Mrs V is unhappy that Barclays Bank UK PLC applied a CIFAS marker against her name and closed her account with immediate effect. She’s also unhappy with the service it provided. What happened The details of this complaint are well known to both parties, so I won’t... (3 pages)View decision -
Decision Reference DRN3624802
17 Jan 2017 Bank of Scotland Plc Not upheldBanking and creditMs T complains that Bank of Scotland plc (trading as Halifax) closed her accounts without notice or explanation, and reported her to CIFAS for fraud, which has prevented her from opening a new account elsewhere. She complains that her account was not credited with a d... (2 pages)View decision -
Decision Reference DRN-5267012
3 Apr 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5267012 The complaint Mr P has complained Revolut Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr P opened an account with Revolut in January 2024. He told them he’d set up his own reselling business and was in the process of or... (2 pages)View decision -
Decision Reference DRN7649206
28 Oct 2019 HSBC UK Bank Plc Not upheldBanking and creditMr G has complained that HSBC UK Bank plc recorded a CIFAS marker against his name. CIFAS is the UK’s fraud alert service. backgroundMr G has had accounts with HSBC for a number of years. In May 2018 he received a payment of £2,000 into his current account from a Halifax account. Halifax c... (2 pages)View decision -
Decision Reference DRN-4937551
22 Jan 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4937551 The complaint Mr B complains that The Royal Bank of Scotland Plc (RBS) treated him unfairly when it recorded a marker against him at Cifas, a fraud database. What happened A brief summary of what happened is below. Mr B applied for an account with RBS in February 2024, but a... (2 pages)View decision -
Decision Reference DRN-4729413
8 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4729413 The complaint Mr A has complained that Barclays Bank UK PLC registered a marker against him at CIFAS, the national fraud database. What happened In summer 2022, Mr A received some credits which were reported as fraudulent. Barclays asked him about them, giving him three days to... (4 pages)View decision -
Decision Reference DRN-4798789
5 Sep 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4798789 The complaint Mr H complains that Barclays Bank UK PLC unfairly made a report about him to a fraud prevention database in connection with a mortgage application. What happened Mr H applied to Barclays for a mortgage in 2019. Barclays declined his application and reported Mr ... (3 pages)View decision -
Decision Reference DRN-2594792
24 Jun 2021 Bank of Ireland (UK) Plc UpheldMortgagesDRN-2594792 The complaint Mr S complains that Bank of Ireland (UK) Plc (BOI) recorded an entry about him on a fraud prevention database (CIFAS) in connection with a mortgage application. What happened In 2020, Mr S applied for a business account but was declined. He looked into why this ha... (3 pages)View decision