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-4759062
3 May 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4759062 The complaint Mr A is unhappy Barclays Bank UK PLC have recorded a Cifas marker on his credit file and he’d like this to be removed. What happened Mr A says he allowed his friend to use his account which received a credit of £1,100 on 14 June 2023 and was withdrawn on the same ... (4 pages)View decision -
Decision Reference DRN-3975004
22 May 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3975004 The complaint Mr M complains that Barclays Bank UK PLC added a marker about him at CIFAS having closed his account. What happened Mr M says that there was no fraudulent activity carried out on his account. And so, Barclays didn’t have a basis to close it or add the marker which... (3 pages)View decision -
Decision Reference DRN-2876642
25 Oct 2021 Retail Money Market Ltd Not upheldConsumer CreditDRN-2876642 The complaint Mr O is unhappy that Retail Money Market Ltd trading as RateSetter has made a CIFAS loading against him for evasion of payment on a loan. What happened Mr O took out a loan with RateSetter in July 2019 for £14,000. Mr O has told us he took the loan to help him sta... (3 pages)View decision -
Decision Reference DRN-1979087
16 Oct 2020 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-1979087 The complaint Mr A complains that Brent Shrine Credit Union Limited has recorded a marker on CIFAS the national fraud database. What happened Mr A applied for a £15,000 loan from Brent Shrine. It requested he send supporting information including bank statements which he did on... (3 pages)View decision -
Decision Reference DRN-5334952
30 Apr 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5334952 The complaint Mr V has complained Lloyds Bank PLC lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr V had opened an account with Lloyds in early 2020. In April 2020 Mr V was told by Lloyds that they were closing his account. T... (2 pages)View decision -
Decision Reference DRN-5079108
9 Dec 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5079108 The complaint Mr E complains HSBC UK Bank Plc (“HSBC”) closed his account and applied a fraud marker against him despite informing it that he had been coerced into using his accounts for fraudulent purposes by criminals and the matter was being investigated by the police. Mr... (3 pages)View decision -
Decision Reference DRN-4281478
30 Aug 2023 Nationwide Building Society Not upheldBanking and PaymentsDRN-4281478 The complaint Mr A has complained Nationwide Building Society has lodged a fraud-related marker on the industry fraud database, CIFAS, which has stopped him opening up a bank account. What happened In early 2023 Mr A tried to open a bank account. His application was rejected. H... (2 pages)View decision -
Decision Reference DRN-5736439
18 Aug 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5736439 The complaint Miss T has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss T found her main bank account had an alert for potential fraudulent activity and realised her ex-boyfriend had been misusin... (2 pages)View decision -
Decision Reference DRN-5680178
28 Nov 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5680178 The complaint Mr W has complained Clydesdale Bank plc, trading as Virgin Money Bank, lodged a fraud- related marker on the industry fraud database, CIFAS, in his name. What happened Mr W found that his main bank account was suddenly closed in March 2025. He discovered there ... (2 pages)View decision -
Decision Reference DRN-5763828
12 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5763828 The complaint Mr O has complained Clydesdale Bank plc, trading as Virgin Money, lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr O opened an account with Virgin Money in June 2023. Virgin Money received a fraud notification f... (2 pages)View decision