Tagged decisions
22,606
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
28.1%
6,358 upheld decisions
Page summary
22,606 published decisions tagged fraud or scam concern, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
22,606
Published decisions carrying this complaint-theme tag
Upheld rate
28.1%
6,358 upheld decisions
Latest published decision 07 Jul 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
22,606
Published decisions carrying this complaint-theme tag
Upheld rate
28.1%
6,358 upheld decisions
Leading product
Banking and Payments
15,117 decisions
Leading firm
Revolut Ltd
2,630 decisions
Fraud Or Scam Concern as a public complaint theme
Analysis22,606 published decisions in the corpus carry the complaint-theme tag fraud or scam concern. 28.1% 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 1,174 published decisions with an upheld rate of 17.5%.
- 2026: 1,174 decisions, 17.5% 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: 15,117 decisions
- Revolut Ltd: 2,630 decisions
- Second precedent signal: Consumer Credit Act 1974
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-589913507 Jul 2026Not upheld
MONZO BANK LIMITED · Banking and Payments
For the reasons I’ve explained, my final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr G to accept or reject my decision before 4 August 2026.
View source decisionDRN-605667707 Jul 2026Not upheld
Clydesdale Bank 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 C to accept or reject my decision before 4 August 2026.
View source decisionDRN-620058707 Jul 2026Not upheld
Barclays Bank UK PLC · Banking and Payments
I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs M to accept or reject my decision before 4 August 2026.
View source decisionDRN-625318607 Jul 2026Not upheld
Revolut Ltd · 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 4 August 2026.
View source decisionDRN-626177407 Jul 2026Not upheld
HSBC UK Bank 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 X to accept or reject my decision before 05 August 2026.
View source decision