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-3790367
4 Nov 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3790367 The complaint Mr D complains about a marker that Tesco Personal Finance PLC (trading as Tesco Bank) have recorded against him with the fraud prevention agency CIFAS. He’d like the marker removed. What happened Mr D held a current account with Tesco Bank. In June 2019 he reporte... (4 pages)View decision -
Decision Reference DRN-3658933
6 Mar 2023 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-3658933 The complaint Mr R complains that American Express Services Europe Limited registered a Cifas marker against him without due cause. What happened In June 2019 Mr R was approved for a credit card account with American Express. The account required him to repay any outstanding ba... (3 pages)View decision -
Decision Reference DRN-5977286
26 Nov 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5977286 The complaint Miss L is unhappy that Capital One (Europe) plc declined her credit card account applications and added CIFAS markers to her credit file that were visible to other lenders. Miss L is supported in her complaint by her authorised representative, her husband, whom... (3 pages)View decision -
Decision Reference DRN6319941
24 Apr 2020 National Westminster Bank Plc Not upheldBanking and creditComplaintMr W complains National Westminster Bank Plc unfairly closed his account and held on to funds it shouldn’t have. He also says NatWest shouldn’t have registered a marker against him with the Credit Industry Fraud Avoidance System (CIFAs). He wants NatWest to reinstate his account, ... (4 pages)View decision -
Decision Reference DRN-5137265
18 Dec 2024 Kroo Bank Ltd UpheldBanking and PaymentsDRN-5137265 The complaint Miss M has complained Kroo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened In 2023 Miss M was asked by a friend if they’d open an account with Kroo and allow them to use it. Miss M was only 18 and didn’t ... (3 pages)View decision -
Decision Reference DRN9894789
10 Jan 2018 Aldermore Bank Plc Not upheldBanking and creditMr S complains that Aldermore Bank Plc placed a marker on the Credit Industry Fraud Avoidance System (CIFAS) against him. This was following an application for a mortgage he completed on behalf of ‘T’ a company that he was a director of at the time.Mr S would like ... (2 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 -
Decision Reference DRN-1880713
13 Jul 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-1880713 The complaintMiss B complains that Barclays Bank UK PLC closed her account and recorded a CIFAS marker against her name. She says this had a huge impact on her life and she wants compensation, in particular for being out of work for two years. CIFAS is one of the UK’s fraud al... (2 pages)View decision -
Decision Reference DRN-6194420
16 Apr 2026 TSB Bank plc Not upheldBanking and PaymentsDRN-6194420 The complaint Mr A complains that TSB Bank Plc has recorded his details with Cifas – a fraud prevention agency. What happened On 17 February 2021 a faster payment was made into Mr A’s account for £424.08. TSB were notified the funds may be fraudulent, so they asked Mr A to ... (2 pages)View decision