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
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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-3574510
28 Feb 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3574510 The complaint Mr K has complained that HSBC UK Bank Plc has registered a marker against him at CIFAS – the national fraud database. What’s happened? HSBC decided to terminate its banking relationship with Mr K in May 2018, and it registered a fraud marker against him with CIFAS... (2 pages)View decision -
Decision Reference DRN-4343855
7 Nov 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4343855 The complaint Mr M complains that he had a Cifas marker registered against him by Barclays Bank UK PLC (‘Barclays’) without due cause. What happened In June 2018 Mr M applied and was approved for an ISA account with Barclays. When Barclays made further checks after the applicat... (3 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 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 DRN1054787
28 Jan 2020 Metro Bank PLC Not upheldBanking and creditMiss B complains that Metro Bank PLC has recorded adverse information about her to CIFAS, one of the UK’s fraud alert services.background Miss B is unhappy that Metro Bank has put a CIFAS marker against her name because there was an attempt to pay fraudulent funds in excess of £7,000 into ... (2 pages)View decision -
Decision Reference DRN-5603083
24 Jun 2025 Kroo Bank Ltd UpheldBanking and PaymentsDRN-5603083 The complaint Miss S has complained Kroo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened In 2023 Miss S opened an account with Kroo. After a credit of £750 was received into Miss S’s account, Kroo blocked her account a... (2 pages)View decision -
Decision Reference DRN-5292137
9 Apr 2025 Kroo Bank Ltd UpheldBanking and PaymentsDRN-5292137 The complaint Miss G has complained Kroo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened In 2023 Miss G opened an account with Kroo. She’d recently taken up an online job which involved receiving and sending money to a... (2 pages)View decision -
Decision Reference DRN-5096946
25 Nov 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5096946 The complaint Mr S has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In March 2024 Mr S was told by Monzo that they were closing his account. They also lodged a fraud-related marker on his record wit... (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
