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 355 results
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Decision Reference DRN-4513754
18 Dec 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4513754 The complaint Mr P complains Creation Financial Services Limited (“Creation”) closed his credit card account without explanation. And that Creation didn’t refund its annual fee, accrued reward points, and a free overnight’s stay voucher for an affiliated third-party business. M... (5 pages)View decision -
Decision Reference DRN-4287167
13 Dec 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4287167 The complaint Mr S complains that Creation Financial Services Limited continues to report his credit card account to a credit reference agency as live, following his discharge from bankruptcy. What happened Mr S had a credit card account with Creation. In 2018 he became bankrup... (2 pages)View decision -
Decision Reference DRN-4479012
27 Nov 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4479012 The complaint Miss R complains Creation Financial Services Limited have continued to report defaults on two accounts when they shouldn’t have. What happened I issued a provisional decision setting out what’s happened, and what I thought about that. I’ve copied the relevant elem... (5 pages)View decision -
Decision Reference DRN-4405231
18 Nov 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4405231 The complaint Mr H complains that Creation Financial Services Limited closed his credit card, withheld his annual fee, failed to credit his points and a free night stay hotel voucher. What happened Mr H had a premium reward club credit card account with Creation which included ... (3 pages)View decision -
Decision Reference DRN-4276978
9 Nov 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4276978 The complaint Mr M complains Creation Financial Services Limited haven’t defaulted his credit card with them after he fell into arrears. What happened Mr M’s let us know that from August 2018 his account was managed by a debt charity as he’d fallen into arrears on the account. ... (2 pages)View decision -
Decision Reference DRN-4406012
2 Nov 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4406012 The complaint Mr M complains that Creation Financial Services Limited unfairly closed his credit card accounts and left searches on his credit file. He’d like these searches removed and compensation. What happened Mr M had a credit card account with Creation. This account offer... (2 pages)View decision -
Decision Reference DRN-4323221
26 Oct 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4323221 The complaint Mr S complains that Creation Financial Services Limited blocked and closed his account without a reason. He’d like compensation for the way he was treated. What happened Mr S had an account with Creation. On 24 August 2021 He received a letter from Creation saying... (3 pages)View decision -
Decision Reference DRN-4299577
23 Oct 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4299577 The complaint Mrs M complains that Creation Financial Services Limited didn’t default her account when she went into a payment arrangement. She also complains that Creation charged fees to her account after she had notified it that she was in financial difficulties. What happen... (3 pages)View decision -
Decision Reference DRN-4350790
3 Oct 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4350790 The complaint Ms K complains that Creation Financial Services Limited unfairly closed her account, didn’t credit her points, a free night stay voucher or refund the annual fee. She’d like her benefits credited and compensation for the impact and time taken to resolve the issue.... (3 pages)View decision -
Decision Reference DRN-4297839
2 Oct 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4297839 The complaint Mr G complains that Creation Financial Services Limited unfairly closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact and time taken to resolve the issue. ... (3 pages)View decision
