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 1929 results
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Decision Reference DRN-4226919
12 Jul 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4226919 The complaint Mr Z complains that TSB Bank Plc registered a maker at CIFAS, the national fraud database after it closed his account. What happened Mr Z opened an account with TSB on 30 November 2022. His new card and PIN were sent to him on 1 December 2022. Mr Z says he did not... (5 pages)View decision -
Decision Reference DRN-3295127
11 Feb 2022 N26 Bank GmbH Not upheldBanking and PaymentsDRN-3295127 The complaint Mr A complains N26 Bank GmbH unfairly recorded a CIFAs marker against him. He wants the marker removed. What happened Mr A held an account with N26. N26 received multiple fraud reports from third parties about payments that were paid into the account in early 2020... (3 pages)View decision -
Decision Reference DRN-1412106
30 Mar 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1412106 The complaintMiss K’s complaint is about the information recorded about her.The details of this complaint are well known to both parties, so I will not repeat them again here. Instead I will focus on giving the reasons for my decision. My findingsI’ve considered all the availab... (1 page)View decision -
Decision Reference DRN-4342016
16 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4342016 The complaint Mr O’s complaint is about a CIFAS marker being placed against his name by Barclays Bank UK PLC and the consequences of that. Mr O says Barclays treated him unfairly and hasn’t provided adequate compensation for their actions. What happened The details of the compl... (2 pages)View decision -
Decision Reference DRN-5496489
2 Sep 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5496489 The complaint Mr K is unhappy TSB Bank plc blocked and then closed his account without any notice and recorded a CIFAS marker against him. What happened TSB received a report of fraud on Mr K’s account on 10 October 2024 and the account was blocked whilst TSB investigated. ... (3 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 DRN-4547547
9 Jan 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4547547 The complaint Mr P has complained HSBC UK Bank plc added a fraud-related marker in his name to the industry fraud database, CIFAS. What happened In August 2022 HSBC closed Mr P’s account. They’d been made aware that a customer of theirs had been scammed into making a payment in... (2 pages)View decision -
Decision Reference DRN4890200
15 Feb 2017 The Co-operative Bank Plc Not upheldBanking and creditMr C complains that the Co-operative Bank Plc has unfairly recorded a CIFAS marker against him. He would like this to be removed.backgroundMr C deposited a cheque into his Co-Op account and then withdrew the funds when they showed on his balance. He said he did no... (1 page)View decision -
Decision Reference DRN-2778943
14 May 2021 N26 Bank GmbH Not upheldBanking and PaymentsDRN-2778943 The complaint Mr K complains N26 Bank GmbH unfairly recorded a fraud marker against him on the Cifas database. He asks N26 to remove the marker and for it to clear his name of any wrong doing. What happened The facts of this complaint are well known to both parties. In summary:... (3 pages)View decision -
Decision Reference DRN-5907608
17 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5907608 The complaint Mr D has complained Wise Payments Limited, trading as Wise, lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr D opened an account with Wise in November 2024. After receiving a report from another bank about a fra... (3 pages)View decision