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 2048 results
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Decision Reference DRN-1942697
14 Oct 2020 Black Horse Limited Not upheldConsumer CreditDRN-1942697 The complaint Mr S complains that Black Horse Limited trading as Black Horse Finance has unfairly recorded information about him at CIFAS, the national fraud database. What happened Mr S applied for car finance through a dealership in July 2018. When Black Horse Finance reviewe... (2 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-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-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-2691157
18 Mar 2021 Santander UK Plc UpheldBanking and PaymentsDRN-2691157 The complaint Mr B complains that, when he applied online for an account with Santander UK Plc, the account was opened but later blocked. He received notice from Santander to say it was withdrawing its banking facilities and the account was closed. Mr B says he wants the accoun... (4 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 DRN5742817
8 Jan 2020 Capital One (Europe) plc Not upheldBanking and creditMr M complains that Capital One (Europe) plc recorded a CIFAS marker against his name when he applied for a credit card. CIFAS is the UK’s fraud alert service.background In September 2018 Mr M applied for a Capital One credit card. He was offered a card with a credit limit of £200. He didn... (2 pages)View decision -
Decision Reference DRN6233980
27 Jun 2014 Bank of Scotland Plc Not upheldBanking and creditMr K complains that Bank of Scotland plc trading as Halifax will not remove a Credit Industry Fraud Avoidance System (‘CIFAS’) entry it registered against him after a mortgage application he made to it.backgroundMr K applied for a mortgage with Halifax through a broker. Amongst the mater... (2 pages)View decision