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
-
Decision Reference DRN-4890548
4 Jul 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4890548 The complaint Mr O complains that Revolut Ltd unfairly registered a marker about him at Cifas, the national fraud database and closed his account. What happened Mr O had an account with Revolut, which he opened in July 2022. On 25 November 2022, a payment of £100 was made into... (5 pages)View decision -
Decision Reference DRN-2446983
16 Jul 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2446983 The complaint Miss A complains that Santander UK Plc closed her account and added a marker at CIFAS, the national fraud database. What happened Miss A says that she was contacted by Santander in April 2019 about money she received into her account. She says that this was the re... (3 pages)View decision -
Decision Reference DRN-3861198
12 Jan 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-3861198 The complaint Mr D complains that Santander UK Plc added a marker at CIFAS, the national fraud database, when it closed his account. What happened Mr D says that the marker is affecting his ability to open a bank account elsewhere and he knows nothing about any fraudulent money... (3 pages)View decision -
Decision Reference DRN4703546
6 Dec 2019 Barclays Bank UK PLC UpheldBanking and creditMr and Mrs A complain that Barclays Bank UK plc closed their accounts and placed a CIFAS marker against Mr A’s name. CIFAS is the UK’s fraud alert service. backgroundIn May 2017 Mr and Mrs A received a payment into their joint account with Barclays. The sending bank said that its customer... (2 pages)View decision -
Decision Reference DRN-4692250
15 Apr 2024 Metro Bank PLC Not upheldBanking and PaymentsDRN-4692250 The complaint Mr A has complained Metro Bank PLC lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2022 Mr A was told by Metro that they were closing his account. They also lodged a fraud- related marker on his record with CIFAS.... (2 pages)View decision -
Decision Reference DRN-3068141
16 Nov 2021 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3068141 The complaint The complaint, in summary is that Clydesdale Bank Plc unfairly declined N’s application to switch its business bank account from another provider and placed a CIFAS marker against its director. With the liquidator’s consent Mr N, the director of N, has brought the... (3 pages)View decision -
Decision Reference DRN-6249413
9 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6249413 The complaint Mr A complains that Barclays Bank UK PLC (‘Barclays’) registered a Cifas marker against him without due cause, and incorrectly reported a default to credit reference agencies. What happened The circumstances of this complaint are well known to both parties, so ... (3 pages)View decision -
Decision Reference DRN-3476320
19 May 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3476320 The complaint Mr O is a sole trader. He complains that Santander UK PLC unfairly declined his Bounce Back Loan application and closed his accounts without notice or explanation. What happened Mr O banked with Santander, holding four accounts. Mr O applied to Santander for a Bou... (5 pages)View decision -
Decision Reference DRN1021755
15 May 2020 Close Brothers Limited Not upheldBanking and creditComplaintMr C complains that Close Brothers Limited placed a CIFAS marker on his credit file without notifying him.BackgroundIn January 2011 Mr C bought a car funded by a conditional loan provided by Close Brothers. In 2013 Mr C sold the car before he had repaid the loan without telling Cl... (2 pages)View decision -
Decision Reference DRN-2551779
13 May 2021 TSB Bank plc Not upheldMortgagesDRN-2551779 The complaint Mr H complains that TSB Bank plc recorded an entry against him with CIFAS, a fraud prevention agency, following an application he made for a mortgage. What happened In late 2014, Mr H applied for a mortgage with TSB. TSB declined the application and recorded an en... (2 pages)View decision