Tagged decisions
23,013
Published decisions carrying this complaint-theme tag
Complaint theme analysis
Fraud Or Scam Concern complaint theme analysis
A public analysis page for the complaint theme fraud or scam concern, built from the root-cause tagging layer across published Financial Ombudsman decisions.
Upheld rate
28.0%
6,437 upheld decisions
Page summary
23,013 published decisions tagged fraud or scam concern, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
23,013
Published decisions carrying this complaint-theme tag
Upheld rate
28.0%
6,437 upheld decisions
Latest published decision 15 Sept 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.
Tagged decisions
23,013
Published decisions carrying this complaint-theme tag
Upheld rate
28.0%
6,437 upheld decisions
Leading product
Banking and Payments
15,475 decisions
Leading firm
Revolut Ltd
2,666 decisions
Fraud Or Scam Concern as a public complaint theme
Analysis23,013 published decisions in the corpus carry the complaint-theme tag fraud or scam concern. 28.0% of those decisions were upheld, which makes this one of the most useful public “type” slices available in the dataset.
Banking and Payments is the product line most often associated with this theme, while Revolut Ltd is the firm that appears most often alongside it in published decisions.
- Latest year represented: 2026
- Leading precedent signal: Payment Services Regulations
- Leading firm: Revolut Ltd
How this theme moves across the corpus
AnalysisFraud Or Scam Concern has enough history in the published decisions to show how complaint pressure has evolved across multiple years, rather than appearing as a one-off issue cluster.
In 2026, fraud or scam concern appeared in 1,581 published decisions with an upheld rate of 18.0%.
- 2026: 1,581 decisions, 18.0% upheld
- 2025: 6,234 decisions, 24.4% upheld
- 2024: 3,450 decisions, 32.8% upheld
- 2023: 2,295 decisions, 32.6% upheld
- 2022: 1,725 decisions, 35.6% upheld
Where the theme concentrates
AnalysisBanking and Payments, Banking and credit, Insurance (excluding PPI), and others are the product areas most associated with this theme in published decisions. That helps explain where this complaint type is most likely to appear in the ombudsman corpus.
Payment Services Regulations, Disp, Consumer Credit Act 1974, and others are the most visible precedent signals tied to this complaint theme.
- Banking and Payments: 15,475 decisions
- Revolut Ltd: 2,666 decisions
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-645099715 Sept 2026Not upheld
Wise Payments Limited · Banking and Payments
For the reasons set out above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask C to accept or reject my decision before 11 September 2026.
View source decisionDRN-631286425 Aug 2026Not upheld
THE ROYAL BANK OF SCOTLAND PUBLIC LIMITED COMPANY · Banking and Payments
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 22 September 2026.
View source decisionDRN-646561325 Aug 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask H to accept or reject my decision before 22 September 2026.
View source decisionDRN-647504625 Aug 2026Upheld
NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY · Banking and Payments
My final decision is that I uphold this complaint against NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY and require them to compensate Mr C and Mrs C as set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C and Mrs C to accept or reject my decision before 22 September 2026.
View source decisionDRN-647507725 Aug 2026Upheld
NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY · Banking and Payments
My final decision is that I uphold this complaint against NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY and require them to compensate Mrs C as set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs C to accept or reject my decision before 22 September 2026.
View source decision