Tagged decisions
21,991
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
28.5%
6,272 upheld decisions
Page summary
21,991 published decisions tagged fraud or scam concern, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
21,991
Published decisions carrying this complaint-theme tag
Upheld rate
28.5%
6,272 upheld decisions
Latest published decision 17 Mar 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
21,991
Published decisions carrying this complaint-theme tag
Upheld rate
28.5%
6,272 upheld decisions
Leading product
Banking and Payments
14,575 decisions
Leading firm
Revolut Ltd
2,544 decisions
Fraud Or Scam Concern as a public complaint theme
Analysis21,991 published decisions in the corpus carry the complaint-theme tag fraud or scam concern. 28.5% 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: Disp
- 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 559 published decisions with an upheld rate of 21.3%.
- 2026: 559 decisions, 21.3% 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.
Disp, Consumer Credit Act 1974, Fca Principles, and others are the most visible precedent signals tied to this complaint theme.
- Banking and Payments: 14,575 decisions
- Revolut Ltd: 2,544 decisions
- Second precedent signal: Consumer Credit Act 1974
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-530808117 Mar 2026Not upheld
Westerby Trustee Services Limited · Pensions and Annuities
For the above reasons, I’m not asking Westerby Trustee Services Limited to do anything. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr L to accept or reject my decision before 14 April 2026.
View source decisionDRN-558715017 Mar 2026Not upheld
Monzo Bank Ltd · Banking and Payments
I’ve decided not to uphold Miss B’s complaint about Monzo Bank Ltd. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss B to accept or reject my decision before 14 April 2026.
View source decisionDRN-586593117 Mar 2026Not upheld
NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY · Banking and Payments
For the reasons explained above, I do not uphold this decision. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms H to accept or reject my decision before 14 April 2026.
View source decisionDRN-590473717 Mar 2026Upheld
Caspian Assured Ltd · Insurance
I uphold the Estate of Mr M’s complaint and direct Caspian Assured Ltd trading as Caspian Insurance Services to award redress as set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask the estate of Mr M to accept or reject my decision before 14 April 2026.
View source decisionDRN-591111717 Mar 2026Not upheld
Santander UK Plc · 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 E to accept or reject my decision before 14 April 2026.
View source decision