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-2318624
9 Dec 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2318624 The complaint Mr O complains that Barclays Bank UK PLC turned down his application for an account and unfairly registered a marker at CIFAS the national fraud database. What happened Mr O says that he gave Barclays correct information about where he had been living when he made... (2 pages)View decision -
Decision Reference DRN-5687457
6 Nov 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5687457 The complaint Mr D complains that Monzo Bank Ltd closed his account with it and registered his details with CIFAS, the UK’s main fraud prevention agency. What happened Mr D held an account with Monzo. On 19 December 2024 a payment of £200 was credited to his account and on 2... (2 pages)View decision -
Decision Reference DRN-3601233
31 Jul 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3601233 The complaint Mr H complains that Santander UK Plc unfairly closed his account and lodged a fraud marker against him with CIFAS. What happened Mr H received fraudulent funds into his account, after agreeing to help out someone who he shared accommodation with. Mr H explained th... (3 pages)View decision -
Decision Reference DRN-4211818
1 Aug 2023 Metro Bank PLC Not upheldBanking and PaymentsDRN-4211818 The complaint Mr A complains that Metro Bank PLC added a marker about him at CIFAS, the national fraud database, when it closed his account. What happened Mr A says he agreed to receive money into his account for a third party. And then to send it to another account. He didn’t ... (3 pages)View decision -
Decision Reference DRN-2346081
23 Nov 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2346081 The complaint Mr A complains that Bank of Scotland plc has unfairly registered a marker with CIFAS the national fraud database and was wrongly told he could visit a branch to resolve this. What happened Mr A says that he was concerned that there was fraud at a company he was in... (5 pages)View decision -
Decision Reference DRN-5919264
3 Nov 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5919264 The complaint Mr H complains that HSBC UK Bank Plc (“HSBC”) unfairly lodged a Cifas marker against him. What happened Mr H applied for an account with HSBC. They processed the application and issued a card. But, shortly after, they told Mr H they were closing the account. H... (5 pages)View decision -
Decision Reference DRN-2600665
25 Mar 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2600665 The complaint Ms K complains that National Westminster Bank Plc has recorded a marker against her name at CIFAS, the national fraud database. What happened Ms K says that in February 2018 NatWest told her it would be closing her account. In July 2020 she complained about the fr... (2 pages)View decision -
Decision Reference DRN5241360
12 Dec 2018 Barclays Bank UK PLC Not upheldBanking and creditMr O complains that Barclays Bank Plc has reported him unfairly to the Credit Industry Fraud Avoidance Scheme (“CIFAS”). Mr O wants inaccurate information to be removed from his credit file. backgroundIn 2013 Mr O made an application to Barclays for a buy to let... (2 pages)View decision -
Decision Reference DRN-1373152
22 Jul 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-1373152 The complaintMr C is unhappy that Barclays Bank UK Plc turned down his application to open a bank account. What happenedIn 2013, Barclays closed Mr C’s bank account and passed information about the account to Cifas, a fraud prevention agency. In 2018, Mr C tried to open a bank... (2 pages)View decision -
Decision Reference DRN-3431292
6 May 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3431292 The complaint Mr E complains Monzo Bank Ltd unfairly recorded a Cifas marker against him on the national fraud database. He wants the marker removed. What happened Mr E is a minor and is represented by his father in bringing this complaint. Mr E opened a Monzo account in Novemb... (5 pages)View decision