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 2048 results
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Decision Reference DRN7971092
29 Jan 2018 Santander UK Plc Not upheldBanking and creditMr and Mrs S complain that Santander UK Plc unfairly put them on the Credit Industry Fraud Avoidance Scheme (“CIFAS”) database.background to complaintI issued my provisional decision in December 2017; a copy of which is attached to, and forms part of, this final ... (6 pages)View decision -
Decision Reference DRN-5701050
1 Aug 2025 Metro Bank PLC Not upheldBanking and PaymentsDRN-5701050 The complaint Mr B complains that Metro Bank PLC (‘Metro’) registered two fraud prevention markers against him without due cause. What happened The circumstances of this complaint have been explained in detail in our investigator’s view of this complaint, which was shared wi... (2 pages)View decision -
Decision Reference DRN-2936455
4 Aug 2021 TSB Bank plc UpheldBanking and PaymentsDRN-2936455 The complaint Mr S complains that TSB Bank PLC (TSB) unfairly registered a fraud marker against his name. To put things right, he wants TSB to remove the marker and pay him compensation. What happened On 13 April 2017, TSB applied a fraud marker against Mr S’s name with CIFAS, ... (2 pages)View decision -
Decision Reference DRN-3586690
8 Jul 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3586690 The complaint Mr A complains that MBNA Limited held him liable for transactions that he says he didn’t make, and unfairly registered a marker with the fraud prevention agency CIFAS. He’d like the transactions refunded and the CIFAS marker removed. What happened Mr A had a credi... (5 pages)View decision -
Decision Reference DRN2064856
2 Mar 2018 Bank of Scotland Plc UpheldBanking and creditMr W complains that Bank of Scotland plc trading as Birmingham Midshires wrongly recorded a Credit Industry Fraud Avoidance System (CIFAS) entry against his name. Mr W is represented in this complaint by his father – Mr W senior.backgroundMr W took out a mortgage wi... (2 pages)View decision -
Decision Reference DRN8994676
16 Dec 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss F is unhappy that Barclays Bank UK PLC added a Credit Fraud Avoidance System (CIFAS) marker against her name. And she’s unable to open another bank account. backgroundMiss F had two bank accounts with Barclays Bank. On the 1 May 2018 two payments were made into Miss F’s current accoun... (3 pages)View decision -
Decision Reference DRN-5412890
2 Apr 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5412890 The complaint Mr Q complains Barclays Bank UK PLC unfairly closed his account and applied a Credit Industry Fraud Avoidance System (‘CIFAS’- the UK’s fraud alert service) marker against his name. What happened The detailed background to this complaint is well known to both ... (3 pages)View decision -
Decision Reference DRN-2501365
3 Mar 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2501365 The complaint Mr H complains that Barclays Bank UK PLC has registered a marker at CIFAS, the national fraud database. What happened Mr H says that Barclays had registered the marker after he made an application for an account. He says that his application wasn’t fraudulent, and... (3 pages)View decision -
Decision Reference DRN0078318
26 Mar 2018 Barclays Bank Plc UpheldBanking and creditMr B complains that Barclays Bank Plc wrongly placed a record against his name on the Credit Industry Fraud Avoidance Scheme (CIFAS) database.backgroundMr B had an account with Barclays bank. In June 2017 Mr B went to withdraw money from a cash machine and the machine ... (2 pages)View decision -
Decision Reference DRN5263239
30 Dec 2019 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc has registered a marker on the database at CIFAS the UK’s fraud prevention service.backgroundMr B says that he had not been using his bank account with NatWest. He kept his debit card and his PIN in his wallet and he’d lost this in March or... (3 pages)View decision