Barclays Savings Account Suspicious Transaction CIFAS Marker Removal
Savings account suspicious transaction — Misuse of Facility marker filed by Barclays. Removed in 2 weeks.
How Barclays files CIFAS markers for savings account transactions
Our client's Barclays savings account received an unexpected payment that they did not recognise. Before they could query it or return the funds, Barclays froze the account and filed a Misuse of Facility marker. The client had not solicited the payment, had not given their account details to anyone suspicious, and did not know the source of the funds. They were an innocent recipient of a misdirected or fraudulent payment.
What the CIFAS report showed about this Barclays marker
The report confirmed Misuse of Facility — Retaining Wrongful Credit, filed by Barclays Bank UK PLC. Our OCR analysis noted that the client had not actually retained any credit — the account was frozen before they could take any action. The filing appeared to be based on the receipt of funds alone, without evidence of complicity.
How we challenged this Barclays savings account CIFAS marker
The complaint argued that receiving an unsolicited payment is not evidence of fraud or dishonesty. The client had no opportunity to return the funds before the account was frozen. The system challenged Barclays's standard of proof and argued the marker was fundamentally inaccurate under UK GDPR because it attributed wrongdoing to an innocent recipient.
How this Barclays savings account CIFAS marker was removed
Barclays reviewed the complaint and quickly accepted that the evidence did not support the filing. The marker was removed within two weeks.
Start your savings account CIFAS marker removal
If an unexpected payment appeared in your savings account and a CIFAS marker was filed, the marker may be challengeable. Upload your CIFAS report and start your case today.