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
-
Decision Reference DRN-2958683
4 Sep 2021 TSB Bank plc UpheldBanking and PaymentsDRN-2958683 The complaint Mr S complains that TSB Bank plc has recorded a marker at CIFAS, the national fraud database. What happened TSB says it recorded the CIFAS marker following an application by Mr S in June 2019 because he didn’t disclose a previous address which had adverse credit d... (3 pages)View decision -
Decision Reference DRN-4341845
23 Oct 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-4341845 The complaint Mr A complains that TSB Bank plc wouldn’t remove a marker about him at CIFAS. What happened Mr A explains that he found out that the marker had been added after his account was closed. This has prevented him opening an account elsewhere. He didn’t know that the mo... (3 pages)View decision -
Decision Reference DRN-3804379
28 Nov 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3804379 The complaint Mr M complains that when Monzo Bank Ltd closed his account it added a marker at CIFAS, the national fraud database. What happened Mr M says that he didn’t know that money sent to his account was obtained fraudulently. And that the CIFAS marker was affecting his ab... (3 pages)View decision -
Decision Reference DRN-6215869
18 Mar 2026 Nationwide Building Society UpheldBanking and PaymentsDRN-6215869 THE COMPLAINT Mr A’s complaint is about Nationwide Building Society (“Nationwide”). Mr A is represented in this matter. However, where appropriate, I will refer to Mr A solely in this decision for ease of reading. WHAT HAPPENED The circumstances of this complaint are well ... (4 pages)View decision -
Decision Reference DRN-5813514
22 Feb 2026 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5813514 THE COMPLAINT Mr B complains that Monzo Bank Ltd (“Monzo”) loaded a Cifas marker against him. Mr B would like this removed. Mr B is represented by his mother in this matter. However, where appropriate, I will refer to Mr B solely in this decision for ease of reading. WHAT... (3 pages)View decision -
Decision Reference DRN-2026390
7 Sep 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2026390The complaintMr E complains that Barclays Bank UK PLC has registered a marker at CIFAS, the national fraud database. What happenedMr E applied for an account with Barclays in 2019. He was asked about his address history. When Barclays assessed his application, it found he had no... (2 pages)View decision -
Decision Reference DRN4306774
30 Dec 2019 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc has registered a marker at CIFAS, the national fraud prevention agency, which is affecting her ability to obtain borrowing.backgroundMs R applied for a buy to let mortgage with NatWest in November 2018. This was declined and so, she says, w... (2 pages)View decision -
Decision Reference DRN-5950965
28 Nov 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5950965 The complaint Miss M has complained TSB Bank plc lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss M held an account with TSB. This wasn’t her only account so when her cousin needed somewhere to enable his universal credits ... (2 pages)View decision -
Decision Reference DRN-2595665
15 Feb 2021 Santander UK Plc UpheldBanking and PaymentsDRN-2595665 The complaint Mr A complains that Santander UK Plc unfairly blocked and then closed his personal and business bank accounts without good reason. What happened I issued my provisional decision of 21 January 2021, which forms part of this final decision. In my provisional decisio... (4 pages)View decision -
Decision Reference DRN4823440
20 Apr 2020 Lloyds Bank PLC UpheldBanking and creditMrs O has complained that Lloyds Bank Plc recorded a Credit Industry Fraud Avoidance System (CIFAS) marker against her name. CIFAS is one of the UK’s fraud prevention agencies.what happenedFollowing an account review in June 2018, Lloyds gave Mrs O notice they were going to close her accou... (3 pages)View decision