Tagged decisions
22,935
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%
6,420 upheld decisions
Page summary
22,935 published decisions tagged fraud or scam concern, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
22,935
Published decisions carrying this complaint-theme tag
Upheld rate
28.0%
6,420 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
22,935
Published decisions carrying this complaint-theme tag
Upheld rate
28.0%
6,420 upheld decisions
Leading product
Banking and Payments
15,410 decisions
Leading firm
Revolut Ltd
2,659 decisions
Fraud Or Scam Concern as a public complaint theme
Analysis22,935 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 1,503 published decisions with an upheld rate of 17.8%.
- 2026: 1,503 decisions, 17.8% 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, Consumer Credit Act 1974, Disp, and others are the most visible precedent signals tied to this complaint theme.
- Banking and Payments: 15,410 decisions
- Revolut Ltd: 2,659 decisions
- Second precedent signal: Consumer Credit Act 1974
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-604249418 Aug 2026Not upheld
Alwyn Insurance Company Limited · Insurance
For the reasons given above, I don’t require Alwyn Insurance Company Limited to settle Mr D’s claim. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr D to accept or reject my decision before 15 September 2026.
View source decisionDRN-625929718 Aug 2026Not upheld
Revolut Ltd · Banking and Payments
For the reasons outlined above, 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 O to accept or reject my decision before 15 September 2026.
View source decisionDRN-636884318 Aug 2026Upheld
Lloyds Bank PLC · Banking and Payments
My final decision is that I uphold this complaint against Lloyds Bank PLC and require it to reimburse Mr and Mrs G, as set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr G and Mrs G to accept or reject my decision before 15 September 2026.
View source decisionDRN-638258118 Aug 2026Not upheld
Revolut Ltd · 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 Mr W to accept or reject my decision before 15 September 2026.
View source decision