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-4073781
11 Apr 2023 Home Retail Group Card Services Limited UpheldConsumer CreditDRN-4073781 The complaint Mr S has complained that Home Retail Group Card Services Limited (trading as Argos) registered a marker against him at CIFAS, the national fraud database. What happened In late 2019, Mr S paid a cheque to his Argos credit card to clear the balance and bring it int... (4 pages)View decision -
Decision Reference DRN-3899933
27 Apr 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3899933 The complaint Mr I complains that Lloyds Bank PLC took money from his account and added a marker to CIFAS, the national fraud data base. What happened Lloyds said it received a report that a payment of £15,050 made into Mr I’s account on 18 March 2022 had been obtained fraudule... (3 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 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 DRN7030351
11 Apr 2016 Santander UK Plc Not upheldBanking and creditMr B complains that Santander UK Plc has not treated him fairly in that it will not explain how his name came to appear on a death certificate and will not give him enough reassurance that his personal information has not been compromised. background Santander wrote... (2 pages)View decision -
Decision Reference DRN8990624
7 Jun 2017 Santander UK Plc Not upheldBanking and creditMr F complains that Santander UK Plc wrongly recorded his details on the Credit Industry Fraud Avoidance System (CIFAS).background Santander recorded a fraud indicator (which it later removed) against Mr F. But Mr F says, because of this, he lost out on a better paid ... (2 pages)View decision -
Decision Reference DRN-2915819
8 Jul 2021 Metro Bank PLC Not upheldBanking and PaymentsDRN-2915819 The complaint Mr M complains that Metro Bank PLC (‘Metro’) registered a fraud prevention marker against him without due cause. What happened I issued a provisional decision in June 2021 to explain why I thought Mr M’s complaint should not be upheld. And I said I’d consider anyt... (3 pages)View decision -
Decision Reference DRN-3521139
24 Aug 2022 Blue Motor Finance Ltd UpheldConsumer CreditDRN-3521139 The complaint Mr L is unhappy that Blue Motor Finance Ltd (“BMF”) placed a fraud marker against his name. What happened In January 2021, Mr L complained to BMF after he discovered it had applied a fraud marker against his name using the Cifas database in 2018. BMF responded to ... (5 pages)View decision -
Decision Reference DRN5619471
5 Dec 2019 Bank of Scotland Plc Not upheldBanking and creditMiss S complains that Bank of Scotland plc (trading as Halifax) made an entry about her on a fraud prevention database when it rejected a mortgage application she’d made.backgroundMiss S applied for a mortgage directly with Halifax in 2015. She says that Halifax’s adviser told her not to d... (2 pages)View decision