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-5083444
25 Nov 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5083444 The complaint Mr A has complained Lloyds Bank plc lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In mid-2024 Mr A was told by Lloyds that they were initially blocking and then closing his account. They also lodged a fraud-rela... (2 pages)View decision -
Decision Reference DRN8613401
7 Jul 2017 Accord Mortgages Limited Not upheldBanking and creditMr and Mrs G complain that Accord Mortgages Limited unfairly put them on the Credit Industry Fraud Avoidance Scheme (“CIFAS”) database. They would like Accord to remove their names from that database.backgroundMr and Mrs G took out a residential mortgage on a self build... (2 pages)View decision -
Decision Reference DRN-4295150
18 Sep 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4295150 The complaint Mr F complains that Barclays Bank UK PLC registered a marker about him at CIFAS, the national fraud database when it closed his account. What happened Mr F says he had no involvement in any fraudulent activity on his account and no control over what happened. He s... (3 pages)View decision -
Decision Reference DRN-2279724
30 Oct 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2279724 The complaint Mr L complains that Santander UK Plc blocked and then closed his personal bank account, and wrongly recorded a Cifas fraud marker against him. What happened Mr L had a personal bank account with Santander. He was also the director of two companies which both had b... (2 pages)View decision -
Decision Reference DRN-3975372
22 Mar 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3975372 The complaint Mr H complains that National Westminster Bank Plc unfairly closed his account and lodged a fraud marker against him. What happened Mr H was selling items through several online marketplaces and NatWest received a report from another bank that Mr H’s account had re... (3 pages)View decision -
Decision Reference DRN8492037
30 Mar 2020 Bank of Scotland Plc UpheldBanking and creditMs A complains, in her capacity as director of business B, that Bank of Scotland plc closed the business account and registered a fraud prevention marker against B without due cause.backgroundMs A is the director of B, a small business. In August 2018 she contacted Bank of Scotland to tell... (3 pages)View decision -
Decision Reference DRN-2423357
14 Jan 2021 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-2423357 The complaint Mr W complains that Tesco Personal Finance PLC has registered a marker at CIFAS, the national fraud database. What happened Mr W had an account with Tesco which was closed in 2018. He found out that Tesco had registered the marker and through a representative comp... (4 pages)View decision -
Decision Reference DRN-5987128
12 Mar 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5987128 The complaint Mr A complains Revolut Ltd 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 parties. ... (4 pages)View decision -
Decision Reference DRN-5142306
13 Nov 2024 Principality Building Society UpheldMortgagesDRN-5142306 The complaint Mr R complains that Principality Building Society reported him to a fraud prevention database in connection with an application for a mortgage. What happened Mr R and his partner applied to Principality for a mortgage to buy a property as first-time buyers. Pri... (7 pages)View decision -
Decision Reference DRN-5296003
30 Jan 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5296003 The complaint Miss J complains that Lloyds Bank PLC unreasonably closed her bank account, and registered a marker against her with the fraud prevention agency Cifas. She’d like this marker to be removed. What happened Miss J held a personal account with Lloyds. But in Octob... (4 pages)View decision