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 1918 results
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Decision Reference DRN-5732646
26 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5732646 The complaint Mr K complains that Monzo Bank Ltd (‘Monzo’) registered him with Cifas without due cause. What happened The circumstances surrounding this complaint are well known to both parties, so I will not go into every detail of what happened here. In summary, in Februa... (3 pages)View decision -
Decision Reference DRN-4849361
10 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4849361 The complaint Mr P is unhappy that Monzo Bank Ltd loaded an adverse fraud marker against his name unfairly. What happened As the circumstances of this complaint are well-known to both parties, I’ve summarised them briefly below. Mr P held an account with Monzo. In November of 2... (3 pages)View decision -
Decision Reference DRN-3442045
12 May 2022 N26 Bank GmbH Not upheldBanking and PaymentsDRN-3442045 The complaint Miss A complains N26 Bank GmbH unfairly recorded a Cifas marker against her on the national fraud database. She wants the marker removed. What happened Our investigator stated the background facts that led to Miss A’s complaint in their view. I find no need to rep... (4 pages)View decision -
Decision Reference DRN-5747552
10 Dec 2025 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-5747552 The complaint Mr A complains J.P Morgan Europe Limited trading as Chase unfairly closed his accounts and applied a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against his name. What happened The detailed background to this complaint... (3 pages)View decision -
Decision Reference DRN5262614
30 Jul 2020 Experian Limited UpheldBanking and creditComplaintMr T is unhappy about Experian Limited’s decision to add fraud markers to his credit file. He’s also unhappy that Experian said they’d removed the markers when they hadn’t. Mr T would like compensation.BackgroundAround February 2018, Mr T applied with Experian to access his credit... (4 pages)View decision -
Decision Reference DRN-5219733
20 Dec 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5219733 The complaint Ms P complains that HSBC UK Bank Plc has unfairly applied a CIFAS marker against her name following a S.75 claim. HSBC says it has removed the marker and offered £500 compensation to Ms P. But Ms P would like HSBC to pay her more compensation (minimum £5,000) f... (2 pages)View decision -
Decision Reference DRN-3068145
16 Nov 2021 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3068145 The complaint The complaint, in summary is that Clydesdale Bank Plc unfairly declined W’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 W, has brought the... (3 pages)View decision -
Decision Reference DRN-4463547
8 Dec 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4463547 The complaint Mr H complains that Clydesdale Bank Plc (trading as Virgin Money) unfairly recorded a fraud marker against him and refuses to remove it. What happened Mr H held a current account with Virgin Money. In 2019, payments took Mr H into an unarranged overdraft. Mr H sai... (4 pages)View decision -
Decision Reference DRN4043121
21 Oct 2016 Barclays Bank Plc Not upheldBanking and creditMr T complains that Barclays Bank Plc has closed his accounts and registered adverse information about him with CIFAS. Mr T is also unhappy that it hasn’t been explained to him as to why the bank has taken these actions.backgroundMr T doesn’t think he’s been treated f... (2 pages)View decision -
Decision Reference DRN7666248
25 Jun 2015 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc (“Santander”) has wrongly placed a record against his name on the Credit Industry Fraud Avoidance Scheme (“CIFAS”) database. He feels that this is affecting his ability to secure a mortgage.Mr M has been supported in bringing this... (2 pages)View decision