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 1929 results
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Decision Reference DRN-5817893
28 Nov 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5817893 The complaint Mrs A has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Mrs A opened an account with Monzo in April 2023. In May that year Monzo received a fraud report from another bank about a paymen... (2 pages)View decision -
Decision Reference DRN-5665968
12 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5665968 The complaint Miss B has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss B opened an account with Monzo in December 2024. In February 2025 Monzo started to receive fraud reports from other banks a... (2 pages)View decision -
Decision Reference DRN-6051141
8 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6051141 The complaint Mr H has complained Revolut Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr H had opened an account with Revolut in March 2024. He discovered in 2025 that as well as closing his account, Revolut had lodged ... (2 pages)View decision -
Decision Reference DRN-4149876
21 Jun 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4149876 The complaint Mr G complains that Santander UK Plc registered a marker about him at CIFAS, the national fraud database, when it closed his account. What happened Mr G says he found out about the marker in August 2022 when he tried to open an account with a different financial b... (3 pages)View decision -
Decision Reference DRN6196273
7 May 2020 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc closed his account and placed a CIFAS marker against his name. CIFAS is the UK’s fraud alert service. backgroundMr B has had a current account and a savings account with NatWest for several years. He rarely used his savings account. In Marc... (2 pages)View decision -
Decision Reference DRN-2416665
8 Jan 2021 Nationwide Building Society Not upheldBanking and PaymentsDRN-2416665 The complaint Mr O complains that Nationwide Building Society unfairly registered a marker at CIFAS, the national fraud database. What happened Mr O had accounts with Nationwide. In January 2020 Nationwide told him that it was closing his accounts. Mr O complained that it had a... (2 pages)View decision -
Decision Reference DRN-5602962
18 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5602962 The complaint Mr T has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In December 2024 Monzo received fraud reports from other banks about payments made into Mr T’s Monzo account. These payments were ... (2 pages)View decision -
Decision Reference DRN-3507738
24 Aug 2022 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3507738 The complaint Mr A has complained Mitsubishi HC Capital UK plc has applied a fraud-related marker to his record which they won’t remove. What happened Mr A bought a ring in 2016. He was persuaded to apply for credit but was rejected. He wasn’t concerned by this as he was always... (2 pages)View decision -
Decision Reference DRN-2318624
9 Dec 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2318624 The complaint Mr O complains that Barclays Bank UK PLC turned down his application for an account and unfairly registered a marker at CIFAS the national fraud database. What happened Mr O says that he gave Barclays correct information about where he had been living when he made... (2 pages)View decision -
Decision Reference DRN-5286379
25 Feb 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5286379 The complaint Miss A has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss A had held an account with Monzo since June 2023. In 2024 Miss A was told by Monzo that they were closing her account. This... (3 pages)View decision