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-3105639
24 Dec 2021 N26 Bank GmbH Not upheldBanking and PaymentsDRN-3105639 The complaint Mr L complains that N26 Bank GmbH closed his account and registered his details with CIFAS the UK’s fraud alert service. He wants the CIFAS marker removed and compensation. What happened Mr L had an account with N26 which he opened on 11 April 2019. On 28 April 2... (3 pages)View decision -
Decision Reference DRN3964011
20 Mar 2018 Barclays Bank Plc Not upheldBanking and creditMr R feels he’s been unfairly treated by Barclays Bank Plc as it placed a CIFAS marker on his account in 2013 after closing his account with no notice.backgroundBarclays closed Mr R’s account in 2013 and placed a marker on CIFAS relating to Mr R. It said it close... (2 pages)View decision -
Decision Reference DRN-5175740
6 Mar 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5175740 The complaint Mr B complains Monzo Bank Ltd trading as Monzo unfairly restricted and closed the account he held with them. He also complains they unfairly recorded a CIFAs marker against him. He wants his account reinstated, the CIFAs marker removed and compensation for the ... (5 pages)View decision -
Decision Reference DRN-3658933
6 Mar 2023 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-3658933 The complaint Mr R complains that American Express Services Europe Limited registered a Cifas marker against him without due cause. What happened In June 2019 Mr R was approved for a credit card account with American Express. The account required him to repay any outstanding ba... (3 pages)View decision -
Decision Reference DRN9894789
10 Jan 2018 Aldermore Bank Plc Not upheldBanking and creditMr S complains that Aldermore Bank Plc placed a marker on the Credit Industry Fraud Avoidance System (CIFAS) against him. This was following an application for a mortgage he completed on behalf of ‘T’ a company that he was a director of at the time.Mr S would like ... (2 pages)View decision -
Decision Reference DRN-4786612
26 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4786612 The complaint Mr U complains that Monzo Bank Ltd unfairly registered a marker about him at Cifas, the national fraud database. What happened Mr U had an account with Monzo, which he opened in May 2023. In late May 2023, a payment of just over £100 was made into Mr U’s acco... (3 pages)View decision -
Decision Reference DRN-3487293
19 May 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3487293 The complaint Miss S complained because Monzo Bank Limited closed her account and recorded a CIFAS fraud marker against her name. What happened On 19 January 2021, Miss S opened a Monzo account with £0.01, by faster payment. On 21 January, a faster payment for £100 credited the... (4 pages)View decision -
Decision Reference DRN-1880713
13 Jul 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-1880713 The complaintMiss B complains that Barclays Bank UK PLC closed her account and recorded a CIFAS marker against her name. She says this had a huge impact on her life and she wants compensation, in particular for being out of work for two years. CIFAS is one of the UK’s fraud al... (2 pages)View decision -
Decision Reference DRN-1065139
30 Sep 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1065139 The complaint G complains that National Westminster Bank Plc recorded a CIFAS marker against its name and won’t remove it. G is a limited company and the complaint is brought on its behalf by its director, who I’ll refer to as Ms O. CIFAS is one of the UK’s fraud alert services... (2 pages)View decision -
Decision Reference DRN3818597
3 Dec 2018 TSB Bank plc Not upheldBanking and creditMr A’s unhappy about the information TSB Bank plc has recorded against him after he made an unsuccessful online application for a bank account.backgroundTSB said in its final response that Mr A made an online application for a bank account. He was asked to provide mo... (2 pages)View decision
