Published decisions
19,714
Firm-specific decision volume in the public corpus
Firm analysis
Lloyds Bank PLC complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Lloyds Bank PLC, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
19.3%
3,796 upheld decisions
Page summary
19,714 published decisions involving Lloyds Bank PLC, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
19,714
Firm-specific decision volume in the public corpus
Upheld rate
19.3%
3,796 upheld decisions
Latest published decision 25 Aug 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
19,714
Firm-specific decision volume in the public corpus
Upheld rate
19.3%
3,796 upheld decisions
Leading product
Payment protection insurance (PPI)
8,119 decisions
Leading complaint theme
Fraud Or Scam Concern
1,699 tagged decisions
Lloyds Bank PLC at a glance
AnalysisLloyds Bank PLC appears in 19,714 published decisions in this corpus. 19.3% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Payment protection insurance (PPI) is the firm’s clearest product exposure in the published decisions, with 8,119 decisions and an upheld rate of 23.5%.
- Latest active year in the published data: 2026 (187 decisions)
- Most common complaint theme: Fraud Or Scam Concern
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisLloyds Bank PLC's decision trail runs from 2013 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Lloyds Bank PLC appeared in 187 published decisions with an upheld rate of 15.0%.
- 2026: 187 decisions, 15.0% upheld
- 2025: 969 decisions, 17.9% upheld
- 2024: 803 decisions, 22.9% upheld
- 2023: 812 decisions, 25.1% upheld
- 2022: 973 decisions, 21.3% upheld
Themes, products, and precedent signals
AnalysisFraud Or Scam Concern is the strongest complaint-theme signal tied to Lloyds Bank PLC in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Disp, Icobs, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Payment protection insurance (PPI): 8,119 decisions
- Second complaint theme: Delay In Claim Handling
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-626238025 Aug 2026Not upheld
Lloyds Bank PLC · Banking and Payments
For the reasons I have given it is my final decision that the complaint is not upheld. Under the rules of the Financial Ombudsman Service, I’m required to ask O Ltd to accept or reject my decision before 22 September 2026.
View source decisionDRN-643370325 Aug 2026Not upheld
Lloyds Bank PLC · Banking and Payments
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask E to accept or reject my decision before 22 September 2026.
View source decisionDRN-653010725 Aug 2026Not upheld
Lloyds Bank PLC · Banking and Payments
My final decision is that I don’t uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H to accept or reject my decision before 22 September 2026.
View source decisionDRN-657582725 Aug 2026Upheld
Lloyds Bank PLC · Banking and Payments
I uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs Z to accept or reject my decision before 22 September 2026.
View source decisionDRN-614085524 Aug 2026Not upheld
Lloyds Bank PLC · Banking and Payments
My final decision is that I don’t uphold this complaint. My final decision concludes this service’s consideration of this complaint, which means I’ll not be engaging in any further discussion of the merits of it.
View source decision