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-5523092
20 Oct 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5523092 The complaint Mr M has complained Bank of Scotland plc, trading as Halifax, lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2024 Mr M got in touch with Halifax as he’d found there was a CIFAS marker on his record and asked t... (2 pages)View decision -
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 DRN8726392
19 Jul 2020 HSBC UK Bank Plc Not upheldBanking and creditComplaintMr A complains HSBC UK Bank Plc unfairly recorded a marker against him on the National Fraud Database operated by Credit Industry Fraud Avoidance system (CIFAs). He also says his accounts were closed unfairly. He wants the marker removed and compensation for the trouble he’s been ... (4 pages)View decision -
Decision Reference DRN-6039878
16 Mar 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6039878 The complaint Mr M complains Revolut Ltd (“Revolut”) restricted his account and returned funds to a third- party who raised a fraud report against him. Mr M says he had returned a payment by erroneously sending it in Euros for €30 instead of £30. Mr M is also complaining tha... (5 pages)View decision