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 1668 results
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Decision Reference DRN-2781095
27 Apr 2021 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-2781095 The complaint Mr A complains that Mercedes-Benz Financial Services UK Limited (MBFS) registered a fraud prevention marker against him without due cause. What happened In January 2016, Mr A acquired a car through a hire purchase agreement with MBFS. Mr A says he then gave the ca... (3 pages)View decision -
Decision Reference DRN0118980
11 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMr H complains that his bank, Lloyds Bank PLC, filed an adverse report with Cifas and he wants it to be removed. This happened after he received £50,000 from someone he knows, from an account with another bank (bank A). Mr H was also unhappy that Lloyds closed his ac... (3 pages)View decision -
Decision Reference DRN-2579383
22 Feb 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-2579383 The complaint Miss W complains that Metro Bank PLC (“Metro”) registered a fraud prevention marker against her without due cause. What happened In June 2015, Miss W received two payments into her account totalling approximately £240. After each payment there was a cash withdrawa... (3 pages)View decision -
Decision Reference DRN-3735216
11 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3735216 The complaint Mrs K complains that NewDay Ltd incorrectly added a marker about her at CIFAS, the national fraud database, causing her financial difficulties and distress. What happened Mrs K explains that her accounts with other financial businesses were closed within a short s... (3 pages)View decision -
Decision Reference DRN-4933836
22 Aug 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4933836 The complaint Mr P has complained BMW Financial Services (GB) Limited lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2023 Mr P realised there was a CIFAS marker lodged against his name based on an application made for finan... (2 pages)View decision -
Decision Reference DRN-4786612
26 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4786612 The complaint Mr U complains that Monzo Bank Ltd unfairly registered a marker about him at Cifas, the national fraud database. What happened Mr U had an account with Monzo, which he opened in May 2023. In late May 2023, a payment of just over £100 was made into Mr U’s acco... (3 pages)View decision -
Decision Reference DRN-3487293
19 May 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3487293 The complaint Miss S complained because Monzo Bank Limited closed her account and recorded a CIFAS fraud marker against her name. What happened On 19 January 2021, Miss S opened a Monzo account with £0.01, by faster payment. On 21 January, a faster payment for £100 credited the... (4 pages)View decision -
Decision Reference DRN-5315037
23 May 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5315037 The complaint Mr M has complained Monzo Bank Ltd lodged a fraud-related marker with CIFAS in his name. This caused him distress in not being able to open a bank account and having difficulty in getting a job. What happened In January 2024 Monzo received a fraud report from o... (2 pages)View decision -
Decision Reference DRN8068580
17 Feb 2020 The Co-operative Bank Plc UpheldBanking and creditMiss J has complained The Co-operative Bank plc won’t remove a fraud-related marker it placed on her record in 2018.backgroundIn March 2018 Miss J told the Co-op there were two transactions (for £280 and £250) made over the two preceding days which she hadn’t made. Within a few days the Co... (2 pages)View decision -
Decision Reference DRN-1065139
30 Sep 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1065139 The complaint G complains that National Westminster Bank Plc recorded a CIFAS marker against its name and won’t remove it. G is a limited company and the complaint is brought on its behalf by its director, who I’ll refer to as Ms O. CIFAS is one of the UK’s fraud alert services... (2 pages)View decision
