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-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-4419765
19 Mar 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4419765 The complaint Miss C has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened In 2022 Miss C was told by Monzo that they were closing her account. They also lodged a fraud-related marker on her record with CIF... (2 pages)View decision -
Decision Reference DRN-4640205
19 Mar 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4640205 The complaint Mr S complains that Monzo Bank Ltd unfairly closed his account and registered a CIFAS marker against him. CIFAS is the UK’s fraud alert service. What happened Mr S had an account with Monzo. In December 2022, two payments, totalling just over £1,200 were made int... (4 pages)View decision -
Decision Reference DRN5324898
2 Jan 2020 Tesco Personal Finance PLC Not upheldBanking and creditMr N complains that Tesco Personal Finance plc (which I’ll refer to as Tesco Bank) placed a CIFAS marker against his name. CIFAS is the UK’s fraud alert service. backgroundMr N opened an account with Tesco Bank in early 2015. He’s explained though that he had difficulty using it; his PIN d... (2 pages)View decision -
Decision Reference DRN7362580
30 Apr 2020 Lloyds Bank PLC Not upheldBanking and creditMiss S complains that Lloyds Bank PLC incorrectly recorded a CIFAS marker against her name. She would like to be compensated for losses suffered.Miss S is helped in her complaint by Mr D – but for ease, I will refer to all comments having made by Miss S.background In November 2015, Lloyds... (2 pages)View decision -
Decision Reference DRN-4704971
25 Mar 2024 Accord Mortgages Limited Not upheldMortgagesDRN-4704971 The complaint Mr N complains that Accord Mortgages Limited trading as Accord Mortgages incorrectly recorded a marker against him on a fraud prevention database in connection with a mortgage application that he says was made in his name fraudulently. Mr N wants Accord to remove ... (4 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 DRN9148216
23 Feb 2018 National Westminster Bank Plc Not upheldBanking and creditMr J complains that National Westminster Bank Plc closed his account, recorded a CIFAS fraud marker against him, allowed a fraudster to open an account in his name, and failed to address his complaint about a cheque which was fraudulently paid into his account.backgr... (3 pages)View decision -
Decision Reference DRN-3444534
29 Apr 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3444534 The complaint Mr O complains TSB Bank plc (“TSB”) unfairly registered a fraud marker against him and closed his account. What happened Mr O opened a TSB account in April 2020. Later that month he received several payments into his account, which he withdrew on the same day. The... (3 pages)View decision