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-5947006
11 Mar 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5947006 The complaint Mr K complains Monzo Bank Ltd unfairly recorded a Cifas marker against him. He wants the marker removed, a letter acknowledging they should have handled matters better, compensation, and help restoring his account or opening a basic account. What happened Mr K ... (3 pages)View decision -
Decision Reference DRN-6046885
26 Jan 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6046885 The complaint Mr A has complained Revolut Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr A had opened an account with Revolut in September 2023. He discovered in 2025 that as well as closing his account, Revolut had lod... (3 pages)View decision -
Decision Reference DRN-4763619
25 Apr 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4763619 The complaint Mr S has complained Bank of Scotland plc, trading as Halifax, lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2021 Mr S was told by Halifax that they were closing his account. They also lodged a fraud-related mark... (3 pages)View decision -
Decision Reference DRN-2511469
4 Feb 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2511469 The complaint Mr R complains that Barclays Bank UK PLC closed his account and recorded a Credit Industry Fraud Awareness System (CIFAS) marker against his name. He feels the marker should be removed. What happened In January 2019, Mr R received a payment of £2,400 into his savi... (3 pages)View decision -
Decision Reference DRN-5251700
25 Mar 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5251700 The complaint Miss T complains that Monzo Bank Ltd unfairly recorded a Credit Industry Fraud Avoidance System (CIFAS) marker under her name. What happened Around December 2023, Monzo restricted and closed Miss T’s account following a review of certain transactions carried ou... (3 pages)View decision -
Decision Reference DRN-6213259
23 Mar 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6213259 The complaint Mrs H complains that Barclays Bank UK PLC closed her account and applied a fraud marker against her name. 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 he... (3 pages)View decision -
Decision Reference DRN-3564849
4 Jul 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3564849 The complaint Mr M complained about the amount of compensation which Nationwide Building Society paid him. What happened In 2019, Nationwide closed Mr M’s account following suspect activity on the account. It also registered a CIFAS marker against Mr M’s name. CIFAS is a fraud ... (2 pages)View decision -
Decision Reference DRN-5819611
28 Nov 2025 Guavapay Limited Not upheldBanking and PaymentsDRN-5819611 The complaint Mr A has complained Guavapay Limited lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr A opened an account with Guavapay in August 2024. In September that year Guavapay received a fraud report from another bank a... (2 pages)View decision -
Decision Reference DRN-5046757
9 Dec 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5046757 The complaint Mr S complains Monzo Bank Ltd unfairly applied an adverse fraud marker against him in 2022. Mr S says Monzo’s actions have caused him substantive distress and inconvenience as his main bank account has been closed and he is unable to get credit. What happened T... (5 pages)View decision -
Decision Reference DRN-3389800
14 Apr 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3389800 The complaint Mr G is unhappy that Lloyds Bank PLC applied a Cifas marker against his name. What happened Mr G held an account with Lloyds. In August 2020, Lloyds received reports from a third-party bank that four payments were attempted to Mr G’s account which weren’t authoris... (3 pages)View decision