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-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-3556005
11 Jul 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3556005 The complaint Mr E complains that Lloyds Bank PLC registered a marker at CIFAS, the national fraud database when it closed his account. What happened Mr E says that his account at Lloyds was closed in December 2017. But that he didn’t find out about the marker registered at tha... (2 pages)View decision -
Decision Reference DRN-2333893
15 Dec 2020 Think Money Limited Not upheldBanking and PaymentsDRN-2333893 The complaint Mr O complains that Think Money Limited won’t remove a CIFAS marker recorded against him and that it declined his account application. CIFAS is one of the UK’s fraud alert services. What happened Mr O says that when his application for an account with Think Money ... (2 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 DRN6196273
7 May 2020 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc closed his account and placed a CIFAS marker against his name. CIFAS is the UK’s fraud alert service. backgroundMr B has had a current account and a savings account with NatWest for several years. He rarely used his savings account. In Marc... (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