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 1918 results
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Decision Reference DRN-5409393
28 Mar 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5409393 The complaint Mr M complains that Barclays Bank UK PLC (Barclays) recorded a Cifas marker against him when they shouldn’t have. He says this has caused him considerable distress and inconvenience and financial loss. He’d like to be put back in the position he would’ve been ... (3 pages)View decision -
Decision Reference DRN5047864
18 Jun 2018 Black Horse Limited UpheldBanking and creditMiss W complains that Black Horse Limited has unfairly recorded information about her with a third party fraud prevention service.backgroundIn November 2014 Miss W applied for finance with Black Horse through a car dealership. The dealership submitted her application, b... (3 pages)View decision -
Decision Reference DRN-4936783
30 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4936783 The complaint Mr R complains that Monzo Bank Ltd have unreasonably recorded a marker against him with the fraud prevention agency CIFAS. He’d like the marker removed and compensation. What happened Mr R had an account with Monzo. But in June 2023 his account received some f... (3 pages)View decision -
Decision Reference DRN-5244285
27 Jun 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5244285 The complaint Mr A has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In July 2024 Monzo closed the account Mr A held with them. They’d received a fraud report from another bank about a credit of £300... (3 pages)View decision -
Decision Reference DRN-1571481
19 Jun 2020 Starling Bank Limited Not upheldBanking and PaymentsThe complaint Mr G is unhappy Starling Bank Limited registered a CIFAS against him after fraud was committed on his account that he says he wasn’t aware of. He says this is preventing him opening a bank account, so he wants the marker removed. What happened Mr G says he was approached by a... (3 pages)View decision -
Decision Reference DRN-3419647
22 Apr 2022 Retail Money Market Ltd UpheldConsumer CreditDRN-3419647 The complaint Mr P is unhappy Retail Money Market Ltd, trading as RateSetter, loaded a fraud marker against his name on the Cifas database. What happened Mr P discovered after taking out a loan with RateSetter that a fraud marker had been placed against his name as it was havin... (3 pages)View decision -
Decision Reference DRN6712332
20 Jul 2020 Santander UK Plc Not upheldBanking and creditMr D complained because Santander UK Plc returned an incoming payment to the sender, closed his account, and put a CIFAS (fraud) marker against his name.Mr D wants the money returned to him, the CIFAS marker removed, and compensation.backgroundOn 2 April 2019 a credit for £10,000 was trans... (2 pages)View decision -
Decision Reference DRN-4938196
4 Feb 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-4938196 The complaint Mr O complains that TSB Bank plc has treated him unfairly by closing his account due to it seeing a marker about him on his Cifas file. What happened Mr O had a current bank account with TSB. In July 2023 Mr O applied online to open a savings account with TSB.... (3 pages)View decision -
Decision Reference DRN-5782808
28 Aug 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5782808 The complaint Mr B complains that Revolut declined to refund him £2,000 which he lost as a result of a scam. He is also unhappy that Revolut registered a Cifas marker against his name without due cause. What happened The circumstances of this complaint are well-known to both... (5 pages)View decision -
Decision Reference DRN-4571987
21 Feb 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4571987 The complaint Mr L complains that Santander UK Plc unfairly closed his account. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. Mr L applied for a basic account with Sa... (2 pages)View decision