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 DRN5643995
11 Jan 2019 Lloyds Bank PLC Not upheldBanking and creditMr A complains that Lloyds Bank PLC (trading as Scottish Widows Bank) incorrectly placed a fraud marker on his record. He says this has caused him hardship and financial loss.backgroundMr A took out a residential mortgage with Scottish Widows in 2008. In 2012, he appli... (3 pages)View decision -
Decision Reference DRN2923578
24 Feb 2020 Barclays Bank UK PLC Not upheldBanking and creditMr M complains that Barclays Bank UK PLC closed his current account and registered a fraud prevention marker against him without due cause.BackgroundIn 2016 Mr M connected with another individual, who we’ll call Mr A, through a website designed to connect investors with entrepreneurs. They... (3 pages)View decision -
Decision Reference DRN-2483014
31 Mar 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2483014 The complaint Mr K complains that National Westminster Bank Plc unfairly registered a marker against him with Cifas. What happened Mr K had a bank account with NatWest which was closed a few years ago. Recently, Mr K became aware that a marker had been lodged against him with C... (3 pages)View decision -
Decision Reference DRN-3408802
31 Mar 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3408802 The complaint Mr K complains that National Westminster Bank Plc unfairly registered a marker against him with Cifas. What happened Mr K had a bank account with NatWest which was closed a few years ago. Recently, Mr K became aware that a marker had been lodged against him with C... (3 pages)View decision -
Decision Reference DRN-3372211
23 Mar 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3372211 Complaint Mr M is unhappy that Santander closed his account and record a Cifas marker against his name. Background Mr M had an account with Santander. In November 2020, the account received two payments that Santander were concerned about. Santander closed Mr M’s account and lo... (3 pages)View decision -
Decision Reference DRN-3684206
15 Feb 2023 HSBC UK Bank Plc Not upheldMortgagesDRN-3684206 The complaint Mr M complains that HSBC UK Bank Plc (“HSBC”) made an entry about him on the CIFAS database in connection with a mortgage application. What happened Mr M applied for a buy to let (“BTL”) mortgage with HSBC in 2021, using a broker. HSBC declined the application and... (2 pages)View decision -
Decision Reference DRN-2415512
14 Jan 2021 N26 Bank GmbH Not upheldBanking and PaymentsDRN-2415512 The complaint Mr F complains that N26 Bank GmbH has unfairly registered a marker at CIFAS, the national fraud database. What happened Mr F contacted N26 Bank after his account at a different financial business was closed. He found that N26 Bank had registered the CIFAS marker. ... (2 pages)View decision -
Decision Reference DRN-3804321
1 Dec 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3804321 The complaint Mr A complains that Barclays Bank UK PLC didn’t remove a fraud marker at CIFAS, and this led to him missing out on a job opportunity. What happened Mr A explains that he had applied for a job with a higher salary and an initial payment of £10,000. A third party ag... (2 pages)View decision -
Decision Reference DRN-3137054
25 Nov 2021 Starling Bank Limited Not upheldBanking and PaymentsDRN-3137054 The complaint Mr D complains that Starling Bank (“Starling”) has unfairly recorded a Credit Industry Fraud Awareness System (“Cifas”) marker against his name. He feels the marker should be removed. What happened Mr D had a current account with Starling. In May 2020 it contacted... (3 pages)View decision -
Decision Reference DRN-3564525
4 Jul 2022 Metro Bank PLC Not upheldBanking and PaymentsDRN-3564525 The complaint Mr M complained because Metro Bank PLC closed his accounts. What happened On 30 April 2021, Metro wrote to Mr M. It said that following a review of his accounts, it was unable to continue as his bankers. It said it was therefore writing to give him formal notice t... (3 pages)View decision