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-1329800
2 Oct 2020 Metro Bank PLC Not upheldBanking and PaymentsDRN-1329800 The complaint Mr U complains that Metro Bank Plc has recorded a marker at CIFAS, the national fraud database. What happened Mr U opened accounts with Metro Bank in January 2018. He received a credit of £6,840 on 22 January 2018. This money was all paid away that day with part i... (3 pages)View decision -
Decision Reference DRN-3250133
23 Feb 2022 The Mortgage Lender Limited Not upheldMortgagesDRN-3250133 The complaint Mr C complains that The Mortgage Lender Limited (“TML”) made an entry about him on the Cifas fraud protection database in connection with a mortgage application and that it refused to remove this. What happened Mr C submitted a mortgage application through a broke... (2 pages)View decision -
Decision Reference DRN-2501365
3 Mar 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2501365 The complaint Mr H complains that Barclays Bank UK PLC has registered a marker at CIFAS, the national fraud database. What happened Mr H says that Barclays had registered the marker after he made an application for an account. He says that his application wasn’t fraudulent, and... (3 pages)View decision -
Decision Reference DRN-5412890
2 Apr 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5412890 The complaint Mr Q complains Barclays Bank UK PLC unfairly closed his account and applied a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against his name. What happened The detailed background to this complaint is well known to both ... (3 pages)View decision -
Decision Reference DRN3396714
26 Mar 2019 Santander UK Plc Not upheldBanking and creditMr J complains that Santander UK Plc acted unfairly and unreasonably when dealing with his mortgage application. He wants to find out why his application wasn’t successful.backgroundMr J wanted a mortgage from Santander, and said that his application wasn’t successful, ... (2 pages)View decision -
Decision Reference DRN8994676
16 Dec 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss F is unhappy that Barclays Bank UK PLC added a Credit Fraud Avoidance System (CIFAS) marker against her name. And she’s unable to open another bank account. backgroundMiss F had two bank accounts with Barclays Bank. On the 1 May 2018 two payments were made into Miss F’s current accoun... (3 pages)View decision -
Decision Reference DRN0078318
26 Mar 2018 Barclays Bank Plc UpheldBanking and creditMr B complains that Barclays Bank Plc wrongly placed a record against his name on the Credit Industry Fraud Avoidance Scheme (CIFAS) database.backgroundMr B had an account with Barclays bank. In June 2017 Mr B went to withdraw money from a cash machine and the machine ... (2 pages)View decision -
Decision Reference DRN5263239
30 Dec 2019 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc has registered a marker on the database at CIFAS the UK’s fraud prevention service.backgroundMr B says that he had not been using his bank account with NatWest. He kept his debit card and his PIN in his wallet and he’d lost this in March or... (3 pages)View decision -
Decision Reference DRN8068580
17 Feb 2020 The Co-operative Bank Plc UpheldBanking and creditMiss J has complained The Co-operative Bank plc won’t remove a fraud-related marker it placed on her record in 2018.backgroundIn March 2018 Miss J told the Co-op there were two transactions (for £280 and £250) made over the two preceding days which she hadn’t made. Within a few days the Co... (2 pages)View decision -
Decision Reference DRN-5315037
23 May 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5315037 The complaint Mr M has complained Monzo Bank Ltd lodged a fraud-related marker with CIFAS in his name. This caused him distress in not being able to open a bank account and having difficulty in getting a job. What happened In January 2024 Monzo received a fraud report from o... (2 pages)View decision
