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-4285393
16 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4285393 The complaint Mr D complains that Barclays Bank UK PLC placed an adverse fraud marker against his name unfairly. What happened As both parties are familiar with the circumstances of this complaint, I’ve only summarised them briefly below. Mr D held a bank account with Barclays.... (3 pages)View decision -
Decision Reference DRN2914005
10 Jan 2018 Lloyds Bank PLC Not upheldBanking and creditMr R feels that Lloyds Bank Plc (“Lloyds”) has treated him unfairly regarding transactions on his account, closing his account and applying a CIFAS marker to his credit file.backgroundMr R had an account with Lloyds from January 2015 and when it was closed in Septemb... (3 pages)View decision -
Decision Reference DRN-3557925
1 Jul 2022 Starling Bank Limited Not upheldBanking and PaymentsDRN-3557925 The complaint Mr O complains that Starling Bank Limited registered a marker at CIFAS, the national fraud database when it closed his account. What happened Starling Bank says it received reports that payments made into Mr O’s account had been fraudulently obtained. Mr O told it... (3 pages)View decision -
Decision Reference DRN-3654895
21 Sep 2022 Santander UK Plc Not upheldMortgagesDRN-3654895 The complaint Mr A complains that Santander UK Plc made an entry on the CIFAS fraud prevention database in connection with a mortgage application he made. What happened Mr A applied for a mortgage with Santander. Santander refused his application. Some time later, Mr A learned ... (3 pages)View decision -
Decision Reference DRN-4706851
2 Apr 2024 Kroo Bank Ltd Not upheldBanking and PaymentsDRN-4706851 The complaint Mr A is unhappy that Kroo Bank Ltd applied a Cifas marker against his name. He wants the marker removed. What happened The background to this complaint is well known to both parties and so I’ll only refer to some key events here. Mr A opened an account with Kroo o... (3 pages)View decision -
Decision Reference DRN-3252605
13 Jan 2022 Starling Bank Limited UpheldBanking and PaymentsDRN-3252605 The complaint Mr O has complained that Starling Bank Limited registered a marker against him at CIFAS, the national fraud database. What happened In late 2019, Mr O sold a phone through an online marketplace. He says the buyer asked to pay him via a direct bank transfer rather ... (3 pages)View decision -
Decision Reference DRN-4619414
3 Jun 2024 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-4619414 The complaint Mr G complains that American Express Services Europe Limited (AESEL) (Amex) unfairly registered a marker about him at Cifas, the national fraud database. What happened The detailed background of this complaint is well known to both parties. So, I’ll only provide a... (3 pages)View decision -
Decision Reference DRN-4206538
20 Oct 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4206538 The complaint Mr K complains that Barclays Bank UK PLC unfairly registered a fraud marker against him. What happened In 2017 Mr K received a payment into one of his accounts that was later confirmed by another bank to be the result of fraudulent activity. Barclays looked at the... (5 pages)View decision -
Decision Reference DRN1937820
12 Sep 2017 Moneybarn No. 1 Limited Not upheldBanking and creditMr A’s complaint is that Moneybarn No.1 Limited (“Moneybarn”) registered a CIFAS marker against him. backgroundIn August 2016, Moneybarn received an application from Mr A for car finance. In the course of vetting the application, Moneybarn came to believe that it was fr... (1 page)View decision -
Decision Reference DRN-4550055
2 Oct 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4550055 The complaint Mr R complains that Nationwide Building Society unfairly registered a marker about him at Cifas, the national fraud database. Mr R is also unhappy that Nationwide closed his account. What happened Mr R had a bank account with Nationwide. On 7June 2021, a paym... (4 pages)View decision