1,657 CIFAS Marker Ombudsman Decisions

American Express Services Europe Limited

The complaint Mr F complains that American Express Services Europe Limited (‘AESEL’) registered an adverse CIFAS marker against him. What happened In September 2023, AESEL requested some documentation from Mr F as part of a review. In a letter that was sent to Mr F, AESEL o...

Monzo Bank Ltd

The complaint Mr R complains that Monzo Bank Ltd have unreasonably recorded a marker against him with the fraud prevention agency CIFAS. He’d like the marker removed and compensation. What happened Mr R had an account with Monzo. But in June 2023 his account received some f...

Virgin Money plc

Mrs D complains that Virgin Money Plc (Virgin) incorrectly placed fraud prevention markers on her account, and that this has caused her distress and inconvenience.backgroundIn September 2018 Mrs D applied for a Virgin credit card account. Her application was granted, and her identification...

Monzo Bank Ltd

The complaint Mr O is unhappy that Monzo Bank Ltd closed his account and loaded a Credit Industry Fraud Avoidance System (‘Cifas’) marker against him. What happened Mr O opened an account with Monzo in April 2023. Shortly after this, on 3 May 2023 Monzo closed Mr O’s accoun...

TSB Bank plc

The complaint Mr S complains that TSB Bank PLC (TSB) unfairly registered a fraud marker against his name. To put things right, he wants TSB to remove the marker and pay him compensation. What happened On 13 April 2017, TSB applied a fraud marker against Mr S’s name with CIFAS, ...

Bank of Scotland Plc

Mr A complains that Bank of Scotland Plc (trading as Halifax) closed his account and applied a CIFAS fraud marker to his credit file without telling him.backgroundMr A had an account with Halifax. In November 2017 Halifax decided to close his account, as a result of ...

NewDay Ltd

The complaint Mrs K complains that NewDay Ltd incorrectly added a marker about her at CIFAS, the national fraud database, causing her financial difficulties and distress. What happened Mrs K explains that her accounts with other financial businesses were closed within a short s...

Barclays Bank UK PLC

The complaintMiss B complains that Barclays Bank UK PLC closed her account and recorded a CIFAS marker against her name. She says this had a huge impact on her life and she wants compensation, in particular for being out of work for two years. CIFAS is one of the UK’s fraud al...

TSB Bank plc

Mr A’s unhappy about the information TSB Bank plc has recorded against him after he made an unsuccessful online application for a bank account.backgroundTSB said in its final response that Mr A made an online application for a bank account. He was asked to provide mo...

Nationwide Building Society

The complaint Mr A is unhappy that Nationwide Building Society incorrectly told him that a CIFAS fraud marker they’d reported against him would expire in March 2024, rather than in July 2025 as is correct. What happened Nationwide registered a CIFAS marker against Mr A in Ju...

BMW Financial Services(GB) Limited

The complaint Mr P has complained BMW Financial Services (GB) Limited lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2023 Mr P realised there was a CIFAS marker lodged against his name based on an application made for finan...

North Edinburgh and Castle Credit Union Limited

The complaint Mr M complains that North Edinburgh and Castle Credit Union Limited (“Castle”) made an entry about him on the CIFAS database in connection with a loan. What happened In early 2024 Mr M got a loan with Castle. Around two weeks later Castle was notified that Mr M...

Barclays Bank UK PLC

The complaint Mr O’s complaint is about a CIFAS marker being placed against his name by Barclays Bank UK PLC and the consequences of that. Mr O says Barclays treated him unfairly and hasn’t provided adequate compensation for their actions. What happened The details of the compl...

N26 Bank GmbH

The complaint Mr L complains that N26 Bank GmbH closed his account and registered his details with CIFAS the UK’s fraud alert service. He wants the CIFAS marker removed and compensation. What happened Mr L had an account with N26 which he opened on 11 April 2019. On 28 April 2...

HSBC UK Bank Plc

The complaint Mr G is a sole trader. He complains about HSBC UK Bank Plc’s actions when it closed his accounts and terminated a Bounce Back Loan (BBL). Specifically, he complains that the bank unfairly applied a Cifas marker against his name. What happened In June 2020 Mr G suc...

Santander UK Plc

The complaint Mr C complains that Santander UK Plc closed his credit card account and recorded a CIFAS marker against his name. CIFAS in one of the UK’s fraud alert services. He wants compensation for the distress caused. What happened In August 2019, Mr C applied online for a ...

Interactive Investor Services Limited

The complaint Mr R complains that Interactive Investor Services Limited registered a fraud prevention marker against him without notification or due cause. What happened The facts of this case are well known to both parties so I’m only going to summarise events here: Mr R says...

Bank of Scotland Plc

This complaint is about a CIFAS marker placed against Mr M following a mortgage application that he made to Bank of Scotland plc trading as Halifax in 2016. Mr M says it caused him to lose a new job because the employer found the CIFAS marker after he’d started work...

Nationwide Building Society

The complaint Mr A is unhappy that Nationwide Building Society incorrectly told him that a CIFAS fraud marker they’d reported against him would expire in March 2024, rather than in July 2025 as is correct. What happened Nationwide registered a CIFAS marker against Mr A in Ju...

Nationwide Building Society

Mr S complained about conflicting information which Nationwide Building Society gave him. This related to his credit card, and an anti-fraud marker (CIFAS) which had been recorded. backgroundIn 2014, Nationwide put a CIFAS marker on Mr S’s credit file. This related to ...