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 1938 results
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Decision Reference DRN-6051153
8 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6051153 The complaint Mr O has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr O opened an account with Monzo in February 2024. In June 2025 Monzo received a fraud report from another bank about two payment... (2 pages)View decision -
Decision Reference DRN2218719
29 Jun 2016 Sainsbury's Bank Plc Not upheldBanking and creditMr R complains that Sainsbury’s Bank Plc reported his loan application to the Credit Industry Fraud Avoidance System (CIFAS) as it considered he had supplied invalid information.backgroundMr R applied to Sainsbury’s for a loan and it requested additional documents and... (1 page)View decision -
Decision Reference DRN-5138547
14 Feb 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5138547 The complaint Mrs A complains that Monzo Bank Ltd unfairly registered a marker about her at Cifas, the national fraud database. She wasn’t the marker removed. What happened Background Mrs A had an account with Monzo. On 14 March 2024, a payment of just over £150.00 was made... (4 pages)View decision -
Decision Reference DRN-4353539
27 Sep 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4353539 The complaint Mr H has complained Monzo Bank Ltd added a marker against his name onto the industry fraud database, CIFAS, and closed his account. What happened Monzo closed Mr H’s bank account in December 2022 after it had been open a couple of months. Mr H tried to open accoun... (2 pages)View decision -
Decision Reference DRN-5904193
5 Dec 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5904193 The complaint Mr H has complained HSBC UK Bank plc won’t remove a fraud-related marker they’ve lodged in his name. What happened Mr H discovered a fraud-related marker in his name which HSBC had lodged. This was causing him increasing inconvenience in managing his finances. ... (2 pages)View decision -
Decision Reference DRN-2856121
8 Sep 2021 Santander UK Plc Not upheldMortgagesDRN-2856121 The complaint Mr M complains that Santander UK Plc made an entry about him ion the CIFAS fraud prevention database in connection with a mortgage application. What happened Mr M and a third party had a joint mortgage with Santander. In 2015, they applied for further borrowing an... (2 pages)View decision -
Decision Reference DRN-3604054
23 Aug 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3604054 The complaint Mr S complains that Monzo Bank Ltd has registered a marker at CIFAS the national fraud database. What happened Mr S says he was asked by someone from college to open an account in May 2021. And that he allowed that account to be used by this person and would benef... (3 pages)View decision -
Decision Reference DRN-1200284
8 Jun 2020 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-1200284 The complaintMrs S complains that Lloyds Bank PLC recorded a CIFAS marker against her for fraud. What happened Mrs S had a bank account with Lloyds. In February 2018, following a large number of unsuccessful chargeback attempts by Mrs S, Lloyds closed her account and recorded a... (2 pages)View decision -
Decision Reference DRN4343473
11 May 2020 Barclays Bank UK PLC Not upheldBanking and creditMr S complains that Barclays Bank UK plc closed his account and logged information about him with CIFAS, the UK’s fraud alert service.backgroundMr S had an account with Barclays. Over several days at the end of December 2017 and in early January 2018 the account received a large number of ... (2 pages)View decision -
Decision Reference DRN-5929740
3 Feb 2026 Starling Bank Limited Not upheldBanking and PaymentsDRN-5929740 The complaint Mr F complains Starling Bank Limited recorded a marker against him on a fraud database. He doesn’t think it’s treated him fairly. What happened A summary of what happened is below. Mr F received a large payment into his Starling account through a bank transfer ... (2 pages)View decision