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 2061 results
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Decision Reference DRN-4977647
27 Sep 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4977647 The complaint Mr A complains that Monzo Bank Ltd loaded a fraud-related marker against his name with Cifas and it refuses to remove it. What happened Mr A says in 2023, he was taken advantage of by someone at his college (‘the scammer’) and persuaded to open a bank account ... (3 pages)View decision -
Decision Reference DRN-2300659
30 Oct 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2300659 The complaint Mr L complains on behalf of M, a limited company, that Santander UK Plc blocked and then closed M’s account, and wrongly registered a Cifas marker against him personally. What happened M had a business account with Santander. In 2019, some of M’s customers reporte... (3 pages)View decision -
Decision Reference DRN-5822660
25 Sep 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5822660 The complaint X complains that Monzo Bank Ltd (‘Monzo’) registered a Cifas marker against him without due cause. What happened The circumstances of this complaint are well known to both parties, so I will not go into every detail of what happened here. But, in summary, in Oc... (2 pages)View decision -
Decision Reference DRN-3617440
31 Aug 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3617440 The complaint Mr D complains that TSB Bank plc has registered a marker at CIFAS, the national fraud database. What happened Mr D says that a past school friend introduced him to someone who traded in crypto currency. That person got access to his account and used it to move mon... (3 pages)View decision -
Decision Reference DRN-5665968
12 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5665968 The complaint Miss B has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss B opened an account with Monzo in December 2024. In February 2025 Monzo started to receive fraud reports from other banks a... (2 pages)View decision -
Decision Reference DRN-5817893
28 Nov 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5817893 The complaint Mrs A has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Mrs A opened an account with Monzo in April 2023. In May that year Monzo received a fraud report from another bank about a paymen... (2 pages)View decision -
Decision Reference DRN-6051141
8 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6051141 The complaint Mr H has complained Revolut Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr H had opened an account with Revolut in March 2024. He discovered in 2025 that as well as closing his account, Revolut had lodged ... (2 pages)View decision -
Decision Reference DRN-5108823
6 Dec 2024 Metro Bank PLC UpheldBanking and PaymentsDRN-5108823 The complaint Mr A has complained Metro Bank PLC lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr A opened an account with Metro in January 2023. In August Mr A was told by Metro that they were closing his account. Mr A subse... (2 pages)View decision -
Decision Reference DRN-5098162
11 Jun 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5098162 The complaint Mr A complains that Monzo Bank Ltd unfairly placed a fraud marker against his name and closed his bank account. What happened The background to this complaint is well known to both parties and so I’ll only refer to some key events here. Mr A had an account wi... (5 pages)View decision -
Decision Reference DRN-5112049
12 Feb 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5112049 The complaint Mr S complains Monzo Bank Ltd unfairly applied a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against his name. What happened Mr S held a Monzo account which was opened on 20 July 2023. On 28 September 2023 Mr S receiv... (3 pages)View decision