Metro Bank Unknown Account Usage CIFAS Marker Removal
Unknown account usage — Misuse of Facility marker filed by Metro Bank. Removed in 4 weeks.
How Metro Bank files CIFAS markers for unknown account usage
Our client discovered that their Metro Bank account had been used for transactions they did not recognise or authorise. It appeared that a third party had gained access to the account — potentially through a data breach or card cloning. Metro Bank filed a Misuse of Facility marker against the account holder rather than investigating whether the account had been compromised.
What the CIFAS report showed about this Metro Bank marker
The report confirmed Misuse of Facility filed by Metro Bank PLC. Our OCR analysis identified that the filing assumed the account holder was responsible for the unknown transactions. The report did not consider the possibility of unauthorised access by a third party.
How we challenged this Metro Bank unknown usage CIFAS marker
The AI drafted a complaint arguing that the client was a victim of unauthorised account access. The complaint highlighted that the transactions were not authorised by the client, that Metro Bank had not investigated third-party access, and that the marker was inaccurate under UK GDPR.
How this Metro Bank unknown usage CIFAS marker was removed
Metro Bank investigated further and accepted that the account may have been compromised. The marker was removed within four weeks.
Start your unknown account usage CIFAS marker removal
If unknown transactions on your account led to a CIFAS marker, the marker may be challengeable if you did not authorise the activity. Upload your CIFAS report and start your case today.