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-4629723
4 Jun 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4629723 The complaint Mr O complains that Nationwide Building Society unfairly registered a marker about him at Cifas, the national fraud database. What happened Mr O had a basic bank account with Nationwide. In September 2022, a payment of totalling just over £2,000 was made into Mr ... (4 pages)View decision -
Decision Reference DRN-4073781
11 Apr 2023 Home Retail Group Card Services Limited UpheldConsumer CreditDRN-4073781 The complaint Mr S has complained that Home Retail Group Card Services Limited (trading as Argos) registered a marker against him at CIFAS, the national fraud database. What happened In late 2019, Mr S paid a cheque to his Argos credit card to clear the balance and bring it int... (4 pages)View decision -
Decision Reference DRN-4126416
7 Jun 2023 N26 Bank GmbH Not upheldBanking and PaymentsDRN-4126416 The complaint Mr T complains that N26 Bank GmbH added a marker about him at CIFAS, the national fraud database, when it closed his account. What happened Mr T says he opened an account in 2019 with N26 Bank for investment but never used it. In 2022 he found out that N26 Bank ha... (3 pages)View decision -
Decision Reference DRN-4976685
21 Nov 2024 Kensington Mortgage Company Limited Not upheldMortgagesDRN-4976685 The complaint Mr R’s complaint against Kensington Mortgage Company Limited is that it refuses to remove a CIFAS marker it placed against him. Mr R has been represented by a third party in bringing this complaint. I will only refer to Mr R in this decision, and any reference ... (3 pages)View decision -
Decision Reference DRN-5503840
22 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5503840 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 November 2024 Monzo received fraud reports from another bank and one of their own customers about payments made into Mr H’s Mon... (2 pages)View decision -
Decision Reference DRN-4630401
22 Apr 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4630401 The complaint Mr B has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2023 Mr B was told by Monzo that they were closing his account. They also lodged a fraud-related marker on his record with CIFAS. ... (2 pages)View decision -
Decision Reference DRN-3589690
6 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3589690 The complaint Mr A complains about a default marker Barclays Bank UK Plc have recorded against him with the credit reference agencies. He’d like the marker removed. What happened Mr A held a current account with Barclays. In June 2020 two payments left his account totalling £97... (3 pages)View decision -
Decision Reference DRN-3748660
20 Oct 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3748660 The complaint Mrs V is unhappy that Barclays Bank UK PLC applied a CIFAS marker against her name and closed her account with immediate effect. She’s also unhappy with the service it provided. What happened The details of this complaint are well known to both parties, so I won’t... (3 pages)View decision -
Decision Reference DRN3624802
17 Jan 2017 Bank of Scotland Plc Not upheldBanking and creditMs T complains that Bank of Scotland plc (trading as Halifax) closed her accounts without notice or explanation, and reported her to CIFAS for fraud, which has prevented her from opening a new account elsewhere. She complains that her account was not credited with a d... (2 pages)View decision -
Decision Reference DRN-3963950
19 Jul 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3963950 The complaint Mr O complains that Monzo Bank Ltd added a marker about him to CIFAS, the national fraud database, when it closed his account. What happened Mr O says that he found out about the marker when he tried to open an account elsewhere. He says he wasn’t involved in any ... (4 pages)View decision