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-3766258
15 Nov 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3766258 The complaint Mr B complains that TSB Bank plc has registered a marker at CIFAS, the national fraud database. What happened Mr B says he was the victim of identity theft in 2020 and that an account at TSB was opened without his knowledge. He says that an account at a different ... (3 pages)View decision -
Decision Reference DRN-2786193
27 May 2021 Starling Bank Limited Not upheldBanking and PaymentsDRN-2786193 The complaint Mr Z complains that Starling Bank Limited has registered a marker against him at CIFAS, the national fraud database. What happened Mr Z says he found out about this marker when he lost his employment. He has shown that the company he worked for said there were a n... (3 pages)View decision -
Decision Reference DRN-3634151
31 Aug 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3634151 The complaint Miss T complains that Monzo Bank Ltd has recorded a marker at CIFAS, the national fraud database. What happened Miss T says that she found out about the marker when she tried to apply for a product at a different financial business. And this led to her other bank ... (3 pages)View decision -
Decision Reference DRN7971092
29 Jan 2018 Santander UK Plc Not upheldBanking and creditMr and Mrs S complain that Santander UK Plc unfairly put them on the Credit Industry Fraud Avoidance Scheme (“CIFAS”) database.background to complaintI issued my provisional decision in December 2017; a copy of which is attached to, and forms part of, this final ... (6 pages)View decision -
Decision Reference DRN-3586690
8 Jul 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3586690 The complaint Mr A complains that MBNA Limited held him liable for transactions that he says he didn’t make, and unfairly registered a marker with the fraud prevention agency CIFAS. He’d like the transactions refunded and the CIFAS marker removed. What happened Mr A had a credi... (5 pages)View decision -
Decision Reference DRN-2435911
28 Jan 2021 RCI Financial Services Limited UpheldConsumer CreditDRN-2435911 The complaint Mr Y complains that RCI Financial Services Limited has registered a marker at CIFAS, the national fraud database. What happened Mr Y said he applied for car finance with RCI in December 2016 but that this was declined. He found out in 2019 that RCI had added the m... (2 pages)View decision -
Decision Reference DRN0171125
27 Dec 2018 Bank of Scotland Plc Not upheldBanking and creditMr A complains that Bank of Scotland Plc (trading as Halifax) closed his account and applied a CIFAS fraud marker to his credit file without telling him.backgroundMr A had an account with Halifax. In November 2017 Halifax decided to close his account, as a result of ... (2 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-2501365
3 Mar 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2501365 The complaint Mr H complains that Barclays Bank UK PLC has registered a marker at CIFAS, the national fraud database. What happened Mr H says that Barclays had registered the marker after he made an application for an account. He says that his application wasn’t fraudulent, and... (3 pages)View decision -
Decision Reference DRN-5412890
2 Apr 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5412890 The complaint Mr Q complains Barclays Bank UK PLC unfairly closed his account 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 is well known to both ... (3 pages)View decision