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 DRN0118980
11 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMr H complains that his bank, Lloyds Bank PLC, filed an adverse report with Cifas and he wants it to be removed. This happened after he received £50,000 from someone he knows, from an account with another bank (bank A). Mr H was also unhappy that Lloyds closed his ac... (3 pages)View decision -
Decision Reference DRN-3735216
11 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3735216 The complaint Mrs K complains that NewDay Ltd incorrectly added a marker about her at CIFAS, the national fraud database, causing her financial difficulties and distress. What happened Mrs K explains that her accounts with other financial businesses were closed within a short s... (3 pages)View decision -
Decision Reference DRN-4673869
9 May 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4673869 The complaint Mr W is unhappy that Nationwide Building Society registered a Cifas marker against his name. Cifas is the UK’s fraud prevention agency. Mr W is also unhappy that Nationwide won’t disclose certain information to him. He wants the marker removed. What happened The b... (3 pages)View decision -
Decision Reference DRN-4933836
22 Aug 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4933836 The complaint Mr P has complained BMW Financial Services (GB) Limited lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2023 Mr P realised there was a CIFAS marker lodged against his name based on an application made for finan... (2 pages)View decision -
Decision Reference DRN0256957
4 Jan 2018 Barclays Bank Plc UpheldBanking and creditMr B is unhappy with Barclays Bank Plc as it applied a CIFAS marker against him. Mr B says it was applied incorrectly.backgroundIn 2014 Mr B applied for a credit card with Barclays but his application was declined. Mr B assumed this was because he was 18 and hadn’t ... (3 pages)View decision -
Decision Reference DRN-4943400
1 Aug 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4943400 The complaint Mr A is unhappy that Nationwide Building Society incorrectly told him that a CIFAS fraud marker they’d reported against him would expire in March 2024, rather than in July 2025 as is correct. What happened Nationwide registered a CIFAS marker against Mr A in Ju... (2 pages)View decision -
Decision Reference DRN4919809
13 Nov 2013 Experian Limited UpheldBanking and creditMr J complains that Experian Limited told him that there was a CIFAS warning on his credit file. He also believes it has recorded incorrect information on his credit file.background Mr J tried to open a bank account in February 2011. The bank wrote to him explaining that his applicatio... (2 pages)View decision -
Decision Reference DRN7966948
21 Apr 2020 Shop Direct Finance Company Limited UpheldBanking and creditMr L’s complaint against Shop Direct Finance Company Limited (Shop Direct) is that it recorded a CIFAS marker against him.backgroundIn November 2015, Mr L opened a credit account with Shop Direct, and placed three orders for goods.After this he says he started university and moved address ... (3 pages)View decision -
Decision Reference DRN1648398
15 Jul 2019 National Westminster Bank Plc UpheldBanking and creditMr G complains that National Westminster Bank Plc (‘NatWest’) wrongly recorded a marker against his name with a fraud prevention agency, CIFAS, that indicated he’d committed fraud on his credit card account and then failed to remove it in a timely way.BackgroundMr G held a credit card acco... (5 pages)View decision -
Decision Reference DRN-5265306
18 Mar 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5265306 The complaint Mr A complains that Monzo Bank Ltd blocked his current account and reported a CIFAS marker against his name. He’d like the CIFAS marker removed. What happened In May 2024 Mr A opened a current account with Monzo. He received multiple payments into the account ... (3 pages)View decision