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-3570640
15 Jul 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3570640 The complaint Mr P complains that Tesco Personal Finance PLC has added a marker at CIFAS, the national fraud database. What happened Mr P says that he opened an account at Tesco Personal Finance in 2018 and allowed this to be used by a third party. And that was because he had b... (3 pages)View decision -
Decision Reference DRN-2572750
3 Sep 2021 Aldermore Bank Plc Not upheldBanking and PaymentsDRN-2572750 The complaint Mr H is unhappy that Aldermore Bank Plc loaded fraud markers against his name after he says he was the victim of fraud. He’s also unhappy with the length of time Aldermore took to investigate his concerns and that it didn’t do more to advise him on how to resolve ... (5 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 -
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 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 DRN-5698191
4 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5698191 The complaint Mr W complains that NewDay Ltd didn’t handle his chargeback claims properly, failed to deal with transfers to an account, closed his accounts and recorded a CIFAS marker against him. He also says that he was not treated as he should have been. What happened Mr ... (4 pages)View decision -
Decision Reference DRN8825859
19 Dec 2017 Bank of Scotland Plc Not upheldBanking and creditMr N complains that Bank of Scotland plc (trading as Halifax) will not remove a Credit Industry Fraud Avoidance System (‘CIFAS’) entry it registered against him after a mortgage application he made to it.backgroundI’ve issued two provisional decisions on this case. The... (3 pages)View decision -
Decision Reference DRN2440505
28 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr C complains that Barclays Bank UK PLC has registered a marker against him at CIFAS, the national fraud database, which is affecting his ability to open another bank account.backgroundMr C reported his Barclays debit card missing on 20 August 2017. Barclays wrote to him on 31 August 2017... (4 pages)View decision -
Decision Reference DRN-6131979
12 Mar 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6131979 The complaint Mr R complains Monzo Bank Ltd has recorded his personal details with Cifas – a fraud prevention database – and won’t remove them. What happened On 5 March 2025, Mr R received a payment of £250 into his Monzo account. Monzo later received notification that the ... (2 pages)View decision