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 1929 results
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Decision Reference DRN-5619063
20 Jun 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5619063 The complaint P had a business current account with Barclays that was blocked then closed and a CIFAS marker reported. P says the CIFAS was incorrect but was later removed. Mrs P is unhappy the account was blocked and closed and the impact the CIFAS has had on her, and the b... (5 pages)View decision -
Decision Reference DRN2035473
24 Sep 2019 Barclays Bank UK PLC Not upheldBanking and creditMr B complains that Barclays Bank UK plc recorded a CIFAS marker against his name. CIFAS is the UK’s fraud prevention agency. backgroundIn October 2015 Mr B opened an account with Barclays. A week later the account was credited with £500; most of that was withdrawn in two cash machine with... (2 pages)View decision -
Decision Reference DRN-2594792
24 Jun 2021 Bank of Ireland (UK) Plc UpheldMortgagesDRN-2594792 The complaint Mr S complains that Bank of Ireland (UK) Plc (BOI) recorded an entry about him on a fraud prevention database (CIFAS) in connection with a mortgage application. What happened In 2020, Mr S applied for a business account but was declined. He looked into why this ha... (3 pages)View decision -
Decision Reference DRN-3937147
7 Mar 2023 Metro Bank PLC Not upheldBanking and PaymentsDRN-3937147 The complaint Mr B is unhappy that Metro Bank PLC applied a fraud marker against his name. What happened As both parties are familiar with the circumstances of this complaint, I’ve summarised them briefly below. In September 2020, Mr B received two payments into his account tot... (3 pages)View decision -
Decision Reference DRN-4905370
19 Jul 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4905370 The complaint Miss N complains that Barclays Bank UK PLC has unfairly closed her account and had a fraud prevention marker recorded against her. What happened On 3 October 2022, Barclays received a claim for payment from another financial institution of around £800, credited... (2 pages)View decision -
Decision Reference DRN2202800
5 Jun 2020 Close Brothers Limited UpheldBanking and creditMrs D complains Close Brothers Limited are unfairly pursuing her for a debt which is not hers.She would like any trace of this debt to be removed from her credit file and to be compensated.backgroundMrs D received notice of some finance which had been taken out with Close Brothers in her n... (2 pages)View decision -
Decision Reference DRN-4783466
16 Sep 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4783466 The complaint Miss O complains Monzo Bank Ltd (“Monzo”) unfairly applied an adverse fraud marker against her. What happened The details of this complaint are well known by both parties, so I won’t repeat them again here. Instead, I’ll focus on giving my reasons for my decisi... (2 pages)View decision -
Decision Reference DRN-4271585
2 Jan 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4271585 The complaint Miss M complains that Nationwide Building Society unfairly registered a CIFAS marker against her. CIFAS is the UK’s fraud alert service. What happened Miss M had accounts with Nationwide. Between 23 and 26 August 2022, several payments, totalling over £12,000 were... (4 pages)View decision -
Decision Reference DRN5637223
2 Dec 2019 Barclays Bank UK PLC Not upheldBanking and creditMr F complains that Barclays Bank UK PLC has reported information about him to CIFAS, the UK’s fraud alert service, and that the bank closed his account without explanation. backgroundMr F held an account with Barclays. On 8 September 2017, his account was credited with more than £4,000 th... (3 pages)View decision -
Decision Reference DRN8167626
15 Mar 2018 Experian Limited Not upheldBanking and creditMr H has complained that Experian Limited provided a poor service when he asked about a fraud marker on his file.backgroundMr H said he didn’t get a job because of information on his credit file.He asked Experian for an explanation. It told him a bank had registered... (2 pages)View decision