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-4942207
9 Sep 2024 Charter Court Financial Services Limited Not upheldMortgagesDRN-4942207 The complaint Mr A complains that Charter Court Financial Services Limited trading as Precise Mortgages unfairly recorded a marker against him with CIFAS, a fraud prevention agency, following a mortgage application. What happened In 2023 Mr A applied for a mortgage with Prec... (2 pages)View decision -
Decision Reference DRN-2345976
12 Dec 2020 TSB Bank plc UpheldBanking and PaymentsDRN-2345976 The complaint Mr S complains that TSB Bank Plc loaded a marker against him on the Cifas National Fraud Database. And he’d like this removed. What happened Mr S had a current account with TSB. On the 14 December 2016 Mr S received £100 into his TSB bank account. On the 15 Decemb... (3 pages)View decision -
Decision Reference DRN-4654292
6 Mar 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4654292 The complaint Mr O complains that Monzo Bank Ltd have recorded a marker against him with the fraud prevention agency CIFAS. He’d like the entry removed. What happened For this complaint Mr O has appointed representatives, but for ease of reading I’ll only refer to Mr O througho... (3 pages)View decision -
Decision Reference DRN-3377690
22 Apr 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3377690 The complaint Miss O complains that HSBC UK Bank Plc closed her account and registered a CIFAS marker. What happened Miss O says that HSBC closed her account in 2018. She only recently found out that a CIFAS marker had been added. This was when her account with another financia... (3 pages)View decision -
Decision Reference DRN-6081603
29 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6081603 The complaint Miss S complains Revolut Ltd wrongly applied a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against her name. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide ... (3 pages)View decision -
Decision Reference DRN-3919255
24 Feb 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3919255 The complaint Miss B complains that HSBC UK Bank Plc registered a marker about her at CIFAS, the national fraud database, and closed her account. What happened Miss B explains that the CIFAS marker is affecting her ability to obtain an account elsewhere and her future employmen... (3 pages)View decision -
Decision Reference DRN-1909767
11 Dec 2020 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-1909767 The complaint Mr K complains that Tesco Personal Finance PLC trading as Tesco Bank has unfairly recorded a marker at CIFAS the national fraud database. What happened Mr K applied for a credit card from Tesco Bank which was declined. He complained that Tesco Bank had added the m... (2 pages)View decision -
Decision Reference DRN0681602
6 Jan 2020 Metro Bank PLC Not upheldBanking and creditMr V complains that Metro Bank plc has applied a CIFAS marker against his name. CIFAS isthe UK’s fraud prevention agency.backgroundI set out the background to Mr V’s complaint in a provisional decision which I issued in December 2019. That background and my provisional findings are repeate... (3 pages)View decision -
Decision Reference DRN-3204746
8 Dec 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3204746 The complaint Mr I has complained that National Westminster Bank Plc (NatWest) registered a marker against him at CIFAS, the national fraud prevention agency. What happened In early 2017, Mr I’s NatWest account received a large sum of money, which was then withdrawn in cash or ... (4 pages)View decision -
Decision Reference DRN-5910852
18 Feb 2026 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5910852 The complaint Ms M complains Monzo Bank Ltd unfairly closed her account and incorrectly loaded a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against her name. Ms M says this caused extreme financial, physical and emotional distress. ... (4 pages)View decision