Published decisions
1,131
Firm-specific decision volume in the public corpus
Firm analysis
Metro Bank PLC complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Metro Bank PLC, including outcome context, product mix, complaint themes, and representative cases.
Page summary
1,131 published decisions involving Metro Bank PLC, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,131
Firm-specific decision volume in the public corpus
Upheld rate
37.8%
427 upheld decisions
Latest published decision 30 Dec 2025
Upheld rate
37.8%
427 upheld decisions
Leading product
Banking and Payments
729 decisions
Leading complaint theme
Fraud Or Scam Concern
352 tagged decisions
Metro Bank PLC at a glance
Metro Bank PLC appears in 1,131 published decisions in this corpus. 37.8% 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.
Banking and Payments is the firm’s clearest product exposure in the published decisions, with 729 decisions and an upheld rate of 41.6%.
- Latest active year in the published data: 2025 (188 decisions)
- Most common complaint theme: Fraud Or Scam Concern
- Most common precedent signal: Disp
Volume and outcome trajectory
Metro Bank PLC's decision trail runs from 2013 to 2025. 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, Metro Bank PLC appeared in 188 published decisions with an upheld rate of 35.6%.
- 2025: 188 decisions, 35.6% upheld
- 2024: 172 decisions, 30.2% upheld
- 2023: 179 decisions, 50.3% upheld
- 2022: 164 decisions, 47.6% upheld
- 2021: 123 decisions, 42.3% upheld
Themes, products, and precedent signals
Fraud Or Scam Concern is the strongest complaint-theme signal tied to Metro Bank PLC in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Disp, Consumer Credit Act 1974, Section 75 Cca, 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.
- Banking and Payments: 729 decisions
- Second complaint theme: Delay In Claim Handling
- Second precedent signal: Consumer Credit Act 1974
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-592011230 Dec 2025Not upheld
Metro Bank PLC · Banking and Payments
DRN-5920112 The complaint Mr W complains that Metro Bank PLC failed to help him change his personal details. What happened Mr W says he asked Metro Bank to change his telephone number, address and e-mail details in December 2024. He says Metro Bank didn’t do so and didn’t help him. Mr W... (2 pages)
View source decisionDRN-603905130 Dec 2025Not upheld
Metro Bank PLC · Consumer Credit
DRN-6039051 The complaint Mr M complains about the quality of a car he acquired under a hire purchase agreement with Metro Bank PLC trading as RateSetter (RateSetter). When I refer to what Mr M and RateSetter have said and/or done, it should also be taken to include things said and/or ... (4 pages)
View source decisionDRN-571548824 Dec 2025Not upheld
Metro Bank PLC · Banking and Payments
DRN-5715488 The complaint Mr B is unhappy that Metro Bank PLC failed to sufficiently intervene causing him to fall victim to what he argues was an authorised push payment (APP) investment scam. Mr B is represented by a professional representative, but for ease I will just refer to Mr B... (2 pages)
View source decisionDRN-600038322 Dec 2025Not upheld
Metro Bank PLC · Banking and Payments
DRN-6000383 The complaint Mr S complains that Metro Bank PLC (Metro Bank, hereinafter) hasn’t refunded the losses he’s incurred when falling victim to an investment scam. What happened Mr S was introduced to the investment scam through a social media messaging group in June 2024. Mr S ... (5 pages)
View source decisionDRN-590901318 Dec 2025Upheld
Metro Bank PLC · Banking and Payments
DRN-5909013 The complaint P, a limited company, complains that Metro Bank PLC (‘Metro Bank’) has not refunded the money it lost through what it now believes was a scam. P is represented by Q, which brings the complaint on P’s behalf. What happened The facts of what happened are known t... (4 pages)
View source decision