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 DRN8522297
18 Nov 2015 Godiva Mortgages Limited Not upheldBanking and creditMrs H complains that Godiva Mortgages Limited (Godiva) has unfairly made an entry on the CIFAS database against her.backgroundIn 2013, Mrs H made an application for two mortgages to Godiva. On her application forms, she gave details of her employment status and provid... (2 pages)View decision -
Decision Reference DRN5733769
1 Nov 2019 Santander UK Plc Not upheldBanking and creditMr N complains that Santander UK plc declined his application to open a basic bank account and recorded a CIFAS marker against his name. CIFAS is the UK’s fraud alert service. background Mr N wanted to open a basic bank account and made an application to Santander. Santander reviewed the a... (2 pages)View decision -
Decision Reference DRN-2254067
10 Nov 2020 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2254067 The complaint Mr A complains that Bank of Scotland plc trading as Halifax unfairly registered a marker at CIFAS, the national fraud database. What happened Mr A says he opened an account with Halifax in 2017 and it was closed a couple of months later. He didn’t know that a CIFA... (2 pages)View decision -
Decision Reference DRN-2403840
1 Feb 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2403840 The complaint Mr A complains that Barclays Bank UK PLC has closed his account and registered a marker at CIFAS the national fraud database. What happened Mr A says his bank account was put under review and then Barclays decided to close it. He says Barclays refused to give him ... (2 pages)View decision -
Decision Reference DRN-4978682
11 Nov 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4978682 The complaint Mr F has complained Barclays Bank UK PLC lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2022 Mr F was told by Barclays that they were closing his account. Mr F subsequently discovered a fraud-related marker ha... (2 pages)View decision -
Decision Reference DRN8542439
4 Dec 2019 Lloyds Bank PLC Not upheldBanking and creditMr T complains that Lloyds Bank Plc recorded a Credit Industry Fraud Avoidance System (CIFAS) marker against his name. CIFAS are the UK’s fraud prevention agency. backgroundMr T had an Under Nineteen’s Account, with a debit card. In November 2018 there were a number of payments into Mr T’s... (2 pages)View decision -
Decision Reference DRN-3535484
13 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3535484 The complaint Miss O complains about Barclays Bank UK PLC’s decision to record a fraud marker against her name. What happened Miss O held an account with Barclays for a number of years. In 2018, Barclays received a report from another bank to inform them that Miss O had been th... (3 pages)View decision -
Decision Reference DRN-3024931
5 Oct 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3024931 The complaint Mr H complains that Bank of Scotland plc trading as Halifax Building Society has added a marker about him at CIFAS, the national fraud database. What happened Mr H says that he had no knowledge of fraudulent activity on his account. Halifax has closed the account ... (3 pages)View decision -
Decision Reference DRN-4918988
20 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4918988 The complaint Mr H complains Barclays Bank UK PLC (Barclays) unfairly loaded a Credit Industry Fraud Avoidance System (Cifas) marker on the National Fraud Database. He wants the marker removed and compensation. What happened In January 2024, Mr H contacted Barclays to report... (3 pages)View decision -
Decision Reference DRN7897524
24 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited registered information with CIFAS in connection with her credit card account. backgroundIn 2012 Miss M says she was owed some money by a friend. She says the friend’s boyfriend offered to pay the debt by paying off her credit... (2 pages)View decision