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 DRN-3588830
12 Sep 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3588830 The complaint Mr K complains Barclays Bank UK PLC unfairly closed his personal accounts and recorded a CIFAs marker against him. He says this caused him financial loss, including having to agree a buy-to-let mortgage with a third-tier lender, as well as considerable distress. W... (3 pages)View decision -
Decision Reference DRN-1676857
26 Nov 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1676857 The complaint Mr I complains that Santander UK Plc unfairly recorded a marker at CIFAS the national fraud database. What happened Mr I had an account with Santander. He says that he was intimidated into providing his bank details to associates of a friend of his on 29 August 20... (4 pages)View decision -
Decision Reference DRN-3969938
13 Mar 2023 Revolut Ltd Not upheldBanking and PaymentsDRN-3969938 The complaint Mr R complains that Revolut PLC closed his account and registered a CIFAS marker against him. CIFAS is the UK’s fraud alert service. What happened Mr R had an account with Revolut. In August 2022, three payments, totalling just over £5,000 were made into Mr R’s ac... (3 pages)View decision -
Decision Reference DRN-2572750
3 Sep 2021 Aldermore Bank Plc Not upheldBanking and PaymentsDRN-2572750 The complaint Mr H is unhappy that Aldermore Bank Plc loaded fraud markers against his name after he says he was the victim of fraud. He’s also unhappy with the length of time Aldermore took to investigate his concerns and that it didn’t do more to advise him on how to resolve ... (5 pages)View decision -
Decision Reference DRN8522297
18 Nov 2015 Godiva Mortgages Limited Not upheldBanking and creditMrs H complains that Godiva Mortgages Limited (Godiva) has unfairly made an entry on the CIFAS database against her.backgroundIn 2013, Mrs H made an application for two mortgages to Godiva. On her application forms, she gave details of her employment status and provid... (2 pages)View decision -
Decision Reference DRN7897524
24 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited registered information with CIFAS in connection with her credit card account. backgroundIn 2012 Miss M says she was owed some money by a friend. She says the friend’s boyfriend offered to pay the debt by paying off her credit... (2 pages)View decision -
Decision Reference DRN-4704924
25 Mar 2024 HSBC UK Bank Plc Not upheldMortgagesDRN-4704924 The complaint Mr N complains that HSBC UK Bank Plc incorrectly recorded a marker against him on a fraud prevention database in connection with a mortgage application that he says was submitted fraudulently in his name. Mr N wants HSBC to remove or alter the marker recorded agai... (3 pages)View decision -
Decision Reference DRN9347822
30 Mar 2019 TSB Bank plc UpheldBanking and creditMr J complains that when his application for a current account with TSB Bank plc (TSB) was declined an incorrect marker was put on his credit file which has caused him problems. He wants the marker removed.backgroundThe background to this complaint, and my initial co... (5 pages)View decision -
Decision Reference DRN3557003
30 Jun 2016 TSB Bank plc Not upheldBanking and creditMr L complains that TSB Bank plc is unfairly refusing to remove an entry on his CIFAS file. The entry is causing difficulties in his employment, finances and personal life. backgroundMr L says his previous employer made an error with his National Insurance (NI) nu... (2 pages)View decision -
Decision Reference DRN8882308
28 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr D complains that Barclays Bank UK plc won’t refund money that was taken from his account without his knowledge or consent. He’s also unhappy that Barclays closed his account and registered his details with CIFAS, the UK’s fraud alert service. He wants the CIFAS marker removed.Mr D is be... (3 pages)View decision
