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 1918 results
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Decision Reference DRN-5265306
18 Mar 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5265306 The complaint Mr A complains that Monzo Bank Ltd blocked his current account and reported a CIFAS marker against his name. He’d like the CIFAS marker removed. What happened In May 2024 Mr A opened a current account with Monzo. He received multiple payments into the account ... (3 pages)View decision -
Decision Reference DRN-3754977
6 Oct 2023 Metro Bank PLC UpheldBanking and PaymentsDRN-3754977 The complaint Mr X complains that Metro Bank PLC blocked and closed his account. He complains they registered his details with CIFAS the UK’s fraud alert service. Mr X wants the CIFAS marker removed, and his account reactivated. What happened Mr X had an account with Metro. Mr ... (3 pages)View decision -
Decision Reference DRN-5826506
24 Sep 2025 Paratus AMC Limited Not upheldMortgagesDRN-5826506 The complaint Mr B complains that Paratus AMC Limited trading as Foundation Home Loans unfairly recorded a CIFAS marker in relation to a mortgage application in late 2022. He says this happened during a period of mental health challenges. Mr B would like a full breakdown of ... (4 pages)View decision -
Decision Reference DRN-4860065
18 Jun 2024 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-4860065 The complaint Mr C complains BMW Financial Services (GB) Limited didn’t do enough when a third party attempted to, and succeeded in, taking over their account. What happened Mr C says he’s taken out a number of finance agreements with BMW over the years including one he took ou... (3 pages)View decision -
Decision Reference DRN9347822
30 Mar 2019 TSB Bank plc UpheldBanking and creditMr J complains that when his application for a current account with TSB Bank plc (TSB) was declined an incorrect marker was put on his credit file which has caused him problems. He wants the marker removed.backgroundThe background to this complaint, and my initial co... (5 pages)View decision -
Decision Reference DRN3180837
12 Mar 2015 TD Asset Administration UK Limited Not upheldInvestment and pensionsMr L’s complained that NatWest Stockbrokers Ltd (“NWS”) unfairly registered details about him with CIFAS. This was after he attempted to open an account with NWS in 2012. To settle his complaint, he would like the CIFAS entry removed.background In 2005 Mr L was successful in opening an... (2 pages)View decision -
Decision Reference DRN-5325579
5 Mar 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5325579 The complaint A – a limited company complains HSBC UK Bank Plc unfairly applied a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against its name. A is represented by its director - Mr A. What happened A held a business account with H... (3 pages)View decision -
Decision Reference DRN-5758367
8 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5758367 The complaint Mr J complains about the actions of National Westminster Bank Public Limited (NatWest) following a Cifas marker being applied to his name. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief over... (3 pages)View decision -
Decision Reference DRN-5541039
23 Sep 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5541039 The complaint Miss W complains TSB Bank plc unfairly closed her account and wrongly applied a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against her name. What happened The detailed background to this complaint is well known to bot... (3 pages)View decision -
Decision Reference DRN8882308
28 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr D complains that Barclays Bank UK plc won’t refund money that was taken from his account without his knowledge or consent. He’s also unhappy that Barclays closed his account and registered his details with CIFAS, the UK’s fraud alert service. He wants the CIFAS marker removed.Mr D is be... (3 pages)View decision