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-5311411
25 Jun 2025 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5311411 The complaint Miss A has complained Clydesdale Bank plc, trading as Virgin Money, lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened Miss A opened a savings and current account with Virgin Money on 12 June 2024. Very soon after sh... (3 pages)View decision -
Decision Reference DRN-3152434
20 Jan 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3152434 The complaint Miss R complains that Bank of Scotland plc (trading as Halifax) closed her account without an explanation and recorded a marker with the fraud prevention agency CIFAS. She’d like the account reinstated and an apology. What happened Miss R held an account with Hali... (3 pages)View decision -
Decision Reference DRN-3454391
30 Jun 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-3454391 The complaint Mr F is unhappy Metro Bank PLC loaded a fraud marker against his name. What happened At the beginning of March 2021 Mr F says that he saw an advertisement via a social media platform regarding a cryptocurrency investment. Mr F says that he carried out due diligenc... (3 pages)View decision -
Decision Reference DRN-3899933
27 Apr 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3899933 The complaint Mr I complains that Lloyds Bank PLC took money from his account and added a marker to CIFAS, the national fraud data base. What happened Lloyds said it received a report that a payment of £15,050 made into Mr I’s account on 18 March 2022 had been obtained fraudule... (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-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-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-5267012
3 Apr 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5267012 The complaint Mr P has complained Revolut Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr P opened an account with Revolut in January 2024. He told them he’d set up his own reselling business and was in the process of or... (2 pages)View decision -
Decision Reference DRN-3839738
8 Sep 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-3839738 The complaint Mr M complains that Santander UK plc (‘Santander’) registered him with Cifas without due cause. What happened The circumstances of this complaint are well-known to both parties, so I will not repeat every detail here. But, in summary, in February 2022 four paymen... (3 pages)View decision