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 2048 results
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Decision Reference DRN8955476
11 Mar 2020 National Westminster Bank Plc Not upheldBanking and creditMiss S is unhappy that National Westminster Bank Plc closed her account and added a Credit Industry Fraud Avoidance System (CIFAS) marker against her name. She’d like NatWest to remove the marker. BackgroundMiss S had an account with NatWest. On the 20 November 2017, a payment of £9,800 wa... (3 pages)View decision -
Decision Reference DRN4870237
17 Feb 2016 Coventry Building Society Not upheldBanking and creditMr B complains about a fraud maker on his credit file after he applied for a mortgage with Coventry Building Society.our initial conclusionsMr B applied for a buy to let mortgage with Coventry in 2014. Coventry says that because the information from Mr B’s P60 was not v... (2 pages)View decision -
Decision Reference DRN-6031138
18 Dec 2025 Leeds Building Society UpheldMortgagesDRN-6031138 The complaint Mr O complains that Leeds Building Society (LBS) recorded a fraud marker about him with Cifas, a fraud prevention database, in connection with a mortgage application. What happened In 2024 Mr O applied through a broker for a mortgage with LBS. LBS made a mortga... (4 pages)View decision -
Decision Reference DRN-3786402
24 Nov 2022 Starling Bank Limited Not upheldBanking and PaymentsDRN-3786402 The complaint Miss O complains that Starling Bank Limited has registered a marker at CIFAS, the national fraud database. What happened Miss O says she opened an account with Starling Bank to continue her online selling of goods. She says she didn’t know that payments into her a... (3 pages)View decision -
Decision Reference DRN6177284
10 Jul 2020 Tesco Personal Finance PLC UpheldBanking and creditComplaintMrs P has complained that Tesco Personal Finance PLC registered two CIFAS markers against her name and refuses to remove them.BackgroundMrs P was a Tesco Bank customer. In August 2017, she applied for a new saver account. As part of its checks, Tesco discovered that her contact de... (3 pages)View decision -
Decision Reference DRN-5123603
6 Jan 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5123603 The complaint Mr H has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In March 2023 Mr H closed his account with Monzo after receiving a credit of £140 and transferring this out. Monzo then lodged a f... (2 pages)View decision -
Decision Reference DRN-4027300
25 Oct 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4027300 The complaint Mr D has complained Tesco Personal Finance PLC, trading as Tesco Bank, has lodged a fraud-related marker on the industry fraud database, CIFAS, which has inconvenienced him. What happened In 2019 Mr D amended his direct debit with Tesco Bank so that the full amoun... (2 pages)View decision -
Decision Reference DRN-3128290
24 Feb 2022 Skipton Building Society UpheldMortgagesDRN-3128290 The complaint Mr A complains that Skipton Building Society (“Skipton”) made an entry about him on the CIFAS fraud prevention database in connection with a mortgage application. What happened Mr A applied for a mortgage with Skipton in January 2019. Skipton refused the applicati... (3 pages)View decision -
Decision Reference DRN-5252844
25 Feb 2025 Metro Bank PLC UpheldBanking and PaymentsDRN-5252844 The complaint Mr R has complained Metro Bank PLC lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr R opened an account with Metro in August 20217. In October 2023 Mr R was asked to explain two credits of £700 and £800 that had... (2 pages)View decision -
Decision Reference DRN-3389658
13 May 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3389658 The complaint Miss R complains that Monzo Bank Ltd has registered a fraud marker at CIFAS the national fraud database. What happened Miss R says that her account was ‘hacked’ and that she wasn’t responsible for payments to her account on 23 April 2021. She says that the CIFAS m... (2 pages)View decision