Firm analysis

Sainsbury's Bank Plc complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Sainsbury's Bank Plc, including outcome context, product mix, complaint themes, and representative cases.

Page summary

818 published decisions involving Sainsbury's Bank Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

818

Firm-specific decision volume in the public corpus

Upheld rate

31.2%

255 upheld decisions

Latest published decision 15 Dec 2025

Published decisions

818

Firm-specific decision volume in the public corpus

Upheld rate

31.2%

255 upheld decisions

Leading product

Banking and Payments

387 decisions

Leading complaint theme

Delay In Claim Handling

93 tagged decisions

Sainsbury's Bank Plc at a glance

Sainsbury's Bank Plc appears in 818 published decisions in this corpus. 31.2% 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 387 decisions and an upheld rate of 35.9%.

  • Latest active year in the published data: 2025 (78 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Section 75 Cca

Volume and outcome trajectory

Sainsbury's 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, Sainsbury's Bank Plc appeared in 78 published decisions with an upheld rate of 30.8%.

  • 2025: 78 decisions, 30.8% upheld
  • 2024: 102 decisions, 42.2% upheld
  • 2023: 114 decisions, 38.6% upheld
  • 2022: 153 decisions, 34.0% upheld
  • 2021: 97 decisions, 37.1% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Sainsbury's Bank Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Section 75 Cca, Consumer Credit Act 1974, Conc, 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: 387 decisions
  • Second complaint theme: Fraud Or Scam Concern
  • Second precedent signal: Consumer Credit Act 1974

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-568265715 Dec 2025Not upheld

Sainsbury's Bank Plc · Banking and Payments

DRN-5682657 The complaint Mr K complains Sainsbury’s Bank Plc are treating him unfairly in relation to markers that it placed at Cifas, a fraud prevention database. What happened A summary of what happened is below. Sainsbury’s received an application for a credit card in September 2023... (2 pages)

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DRN-602108915 Dec 2025Not upheld

Sainsbury's Bank Plc · Insurance

DRN-6021089 The complaint Mrs C had a motor insurance policy administered by Sainsbury’s Bank Plc. She says the communication from it around the cancellation of her policy was lacking. What happened Mrs C’s insurer found an undisclosed claim made by Mrs C on a database. It advised Sain... (2 pages)

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DRN-601709712 Dec 2025Not upheld

Sainsbury's Bank Plc · Insurance

DRN-6017097 The complaint Mr L is unhappy Sainsbury’s Bank Plc hasn’t honoured a promotional offer when he took out a Pet Insurance policy. What happened In November 2024 Mr L said he saw an advert which explained he could receive loyalty card points and a pet hamper if he took out pet ... (2 pages)

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DRN-581372608 Dec 2025Upheld

Sainsbury's Bank Plc · Consumer Credit

DRN-5813726 The complaint Sainsbury’s Bank Plc provided Mr R with a £7,675 loan in June 2024. The APR was 11.9% and the monthly repayments were £358.77. Mr R says the loan was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t... (2 pages)

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DRN-599619105 Dec 2025Upheld

Sainsbury's Bank Plc · Banking and Payments

DRN-5996191 The complaint Mr W complains that Sainsbury’s Bank Plc hasn’t refunded him following a claim he made under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened In early 2022, Mr W instructed a company (who I’ll refer to as “S”) to complete work to his hom... (7 pages)

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