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 1918 results
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Decision Reference DRN-2786193
27 May 2021 Starling Bank Limited Not upheldBanking and PaymentsDRN-2786193 The complaint Mr Z complains that Starling Bank Limited has registered a marker against him at CIFAS, the national fraud database. What happened Mr Z says he found out about this marker when he lost his employment. He has shown that the company he worked for said there were a n... (3 pages)View decision -
Decision Reference DRN-3634151
31 Aug 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3634151 The complaint Miss T complains that Monzo Bank Ltd has recorded a marker at CIFAS, the national fraud database. What happened Miss T says that she found out about the marker when she tried to apply for a product at a different financial business. And this led to her other bank ... (3 pages)View decision -
Decision Reference DRN4043121
21 Oct 2016 Barclays Bank Plc Not upheldBanking and creditMr T complains that Barclays Bank Plc has closed his accounts and registered adverse information about him with CIFAS. Mr T is also unhappy that it hasn’t been explained to him as to why the bank has taken these actions.backgroundMr T doesn’t think he’s been treated f... (2 pages)View decision -
Decision Reference DRN3180837
12 Mar 2015 TD Asset Administration UK Limited Not upheldInvestment and pensionsMr L’s complained that NatWest Stockbrokers Ltd (“NWS”) unfairly registered details about him with CIFAS. This was after he attempted to open an account with NWS in 2012. To settle his complaint, he would like the CIFAS entry removed.background In 2005 Mr L was successful in opening an... (2 pages)View decision -
Decision Reference DRN-5826506
24 Sep 2025 Paratus AMC Limited Not upheldMortgagesDRN-5826506 The complaint Mr B complains that Paratus AMC Limited trading as Foundation Home Loans unfairly recorded a CIFAS marker in relation to a mortgage application in late 2022. He says this happened during a period of mental health challenges. Mr B would like a full breakdown of ... (4 pages)View decision -
Decision Reference DRN-3586690
8 Jul 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3586690 The complaint Mr A complains that MBNA Limited held him liable for transactions that he says he didn’t make, and unfairly registered a marker with the fraud prevention agency CIFAS. He’d like the transactions refunded and the CIFAS marker removed. What happened Mr A had a credi... (5 pages)View decision -
Decision Reference DRN9347822
30 Mar 2019 TSB Bank plc UpheldBanking and creditMr J complains that when his application for a current account with TSB Bank plc (TSB) was declined an incorrect marker was put on his credit file which has caused him problems. He wants the marker removed.backgroundThe background to this complaint, and my initial co... (5 pages)View decision -
Decision Reference DRN7039852
11 Jun 2020 Metro Bank PLC Not upheldBanking and creditMr S’s complaint against Metro Bank PLC (Metro) is that it’s recorded a fraud prevention marker (CIFAS) against his name, and he can’t open a new account.backgroundIn 2016, Mr S opened an account with Metro. In August 2017, fraudulent funds were received into this account, and then transfe... (2 pages)View decision -
Decision Reference DRN-2435911
28 Jan 2021 RCI Financial Services Limited UpheldConsumer CreditDRN-2435911 The complaint Mr Y complains that RCI Financial Services Limited has registered a marker at CIFAS, the national fraud database. What happened Mr Y said he applied for car finance with RCI in December 2016 but that this was declined. He found out in 2019 that RCI had added the m... (2 pages)View decision -
Decision Reference DRN-2579383
22 Feb 2022 Metro Bank PLC UpheldBanking and PaymentsDRN-2579383 The complaint Miss W complains that Metro Bank PLC (“Metro”) registered a fraud prevention marker against her without due cause. What happened In June 2015, Miss W received two payments into her account totalling approximately £240. After each payment there was a cash withdrawa... (3 pages)View decision