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
-
Decision Reference DRN9948075
22 May 2020 Coventry Building Society Not upheldBanking and creditMr S complains that Coventry Building Society (CBS) registered a marker about him at CIFAS the national fraud database.backgroundMr S says he has discovered that CBS had added the marker in December 2014 when it closed his accounts. He says that it shouldn’t have done so, hadn’t told him a... (2 pages)View decision -
Decision Reference DRN5025028
13 Aug 2019 TSB Bank plc UpheldBanking and creditMr T complains that TSB Bank plc placed two Credit Industry Fraud Avoidance System (CIFAS) markers against his name. He says this has stopped him from being able to open a bank account. He wants TSB to remove the markers. backgroundPrior to October 2015 Mr T made a number of online applica... (3 pages)View decision -
Decision Reference DRN0497757
28 Sep 2016 Bank of Scotland Plc Not upheldBanking and creditMr W complains Bank of Scotland plc (trading as “Halifax”) has placed a CIFAS marker against his name.backgroundMr W says he applied for a Halifax bank account and was accepted. He says that Halifax then wrote to him to say that it was going to close his account and p... (1 page)View decision -
Decision Reference DRN-3334408
16 Mar 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3334408 The complaint Mr K complains about Santander UK Plc’s decision to close his account and register a fraud marker against him. What happened In May 2015, Mr K paid a £20,000 cheque into his account. A couple of days later, the cheque returned unpaid and Santander carried out a re... (4 pages)View decision -
Decision Reference DRN7283764
17 Mar 2020 The Co-operative Bank Plc Not upheldBanking and creditComplaintMr H complains that The Co-operative Bank plc recorded a Credit Industry Fraud Avoidance System (CIFAS) marker against his name. CIFAS is one of the UK’s fraud prevention agencies.BackgroundIn July 2018, Mr H applied online for a Co-operative current account. His application was d... (2 pages)View decision -
Decision Reference DRN8955476
11 Mar 2020 National Westminster Bank Plc Not upheldBanking and creditMiss S is unhappy that National Westminster Bank Plc closed her account and added a Credit Industry Fraud Avoidance System (CIFAS) marker against her name. She’d like NatWest to remove the marker. BackgroundMiss S had an account with NatWest. On the 20 November 2017, a payment of £9,800 wa... (3 pages)View decision -
Decision Reference DRN-3354945
7 Jun 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3354945 The complaint Mr L complains that Monzo Bank Ltd declined his application for an account and then misled him about its reasons for doing so. What happened In October 2020 Mr L applied online for a Monzo account. His application was declined, and Mr L received a message from Mon... (2 pages)View decision -
Decision Reference DRN8438960
16 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a CIFAS marker placed against Mr M following a mortgage application that he made to Bank of Scotland plc trading as Halifax in 2016. Mr M says it caused him to lose a new job because the employer found the CIFAS marker after he’d started work... (2 pages)View decision -
Decision Reference DRN4870237
17 Feb 2016 Coventry Building Society Not upheldBanking and creditMr B complains about a fraud maker on his credit file after he applied for a mortgage with Coventry Building Society.our initial conclusionsMr B applied for a buy to let mortgage with Coventry in 2014. Coventry says that because the information from Mr B’s P60 was not v... (2 pages)View decision -
Decision Reference DRN-3786402
24 Nov 2022 Starling Bank Limited Not upheldBanking and PaymentsDRN-3786402 The complaint Miss O complains that Starling Bank Limited has registered a marker at CIFAS, the national fraud database. What happened Miss O says she opened an account with Starling Bank to continue her online selling of goods. She says she didn’t know that payments into her a... (3 pages)View decision
