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-2201117
14 Jan 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2201117 The complaint Ms R complains that TSB Bank Plc has recorded a fraud marker and closed her account after she reported payment she hadn’t authorised. What happened Ms R contacted TSB and said that she hadn’t made five faster payments from her account on consecutive dates between ... (3 pages)View decision -
Decision Reference DRN-3829858
3 Jan 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3829858 The complaint Mr M complains that Barclays Bank UK PLC registered a marker at CIFAS, the national fraud database. What happened Mr M explains that his account at Barclays was closed in January 2019 and that since then he found out that the marker had been registered. He says th... (3 pages)View decision -
Decision Reference DRN5341221
7 Nov 2019 Skipton Building Society UpheldBanking and creditMr Z complains that Skipton Building Society made an entry against his name on the CIFAS fraud prevention database when it declined an application he made for a buy to let mortgage.backgroundMr Z applied, through a broker, for a buy to let mortgage in 2014. Skipton refused the application.... (3 pages)View decision -
Decision Reference DRN-2961133
9 Aug 2021 Metro Bank PLC UpheldBanking and PaymentsDRN-2961133 The complaint Mr X has complained that Metro Bank PLC registered a marker against him at CIFAS, the national fraud prevention agency. What happened Both sides are most familiar with the case, and it’s important that we preserve Mr X’s anonymity, so I will summarise what happene... (5 pages)View decision -
Decision Reference DRN-4110430
25 Oct 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4110430 The complaint Miss A complains that HSBC UK Bank Plc unfairly closed her bank account and recorded information about her with CIFAS, the UK’s fraud alert service. What happened Miss A had an account with HSBC. In June 2022, Miss A received several payments into her account, whi... (2 pages)View decision -
Decision Reference DRN1812914
23 Apr 2020 Barclays Bank UK PLC UpheldBanking and creditComplaintMrs P complains Barclays Bank UK PLC unfairly closed her current account and heldon to funds after it closed. She says they also unfairly registered a marker with theCredit Industry Fraud Avoidance System (CIFAs). She wants them to refund the funds owedto her, remove the marker, r... (4 pages)View decision -
Decision Reference DRN6468562
18 Jul 2016 Bank of Scotland Plc Not upheldBanking and creditMr A complains that Bank of Scotland plc registered an adverse mark with CIFAS in 2012 which he says it shouldn’t have done. Mr A wants it removed. He says it prevents him from having normal banking relationships and he wants compensation from Bank of Scotland. He... (2 pages)View decision -
Decision Reference DRN-4670383
12 Mar 2024 Principality Building Society Not upheldMortgagesDRN-4670383 The complaint Mr P complains that Principality Building Society unfairly recorded a marker against him with National Hunter, a fraud prevention agency, following a mortgage application. Mr P has brought this complaint via a representative. What happened Mr P says he had discuss... (3 pages)View decision -
Decision Reference DRN-4936545
19 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4936545 The complaint Mr K complains that Monzo Bank Ltd unfairly registered a marker about him at Cifas, the national fraud database. Mr K also complains that Monzo closed his account. What happened Mr K had an account with Monzo, which he opened in 2019. On 14 September 2023, a p... (3 pages)View decision -
Decision Reference DRN-4453085
21 Mar 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4453085 The complaint Miss J is unhappy that HSBC UK Bank Plc placed an adverse fraud marker against her name. What happened As both parties are familiar with the circumstances of this complaint, I’ve summarised them briefly below. Miss J held an account with HSBC. In November 2019, tw... (3 pages)View decision