Tagged decisions
22,385
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
28.3%
6,327 upheld decisions
Page summary
22,385 published decisions tagged fraud or scam concern, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
22,385
Published decisions carrying this complaint-theme tag
Upheld rate
28.3%
6,327 upheld decisions
Latest published decision 21 Apr 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
22,385
Published decisions carrying this complaint-theme tag
Upheld rate
28.3%
6,327 upheld decisions
Leading product
Banking and Payments
14,922 decisions
Leading firm
Revolut Ltd
2,592 decisions
Fraud Or Scam Concern as a public complaint theme
Analysis22,385 published decisions in the corpus carry the complaint-theme tag fraud or scam concern. 28.3% 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 953 published decisions with an upheld rate of 18.3%.
- 2026: 953 decisions, 18.3% 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.
Payment Services Regulations, Disp, Consumer Credit Act 1974, and others are the most visible precedent signals tied to this complaint theme.
- Banking and Payments: 14,922 decisions
- Revolut Ltd: 2,592 decisions
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-590575121 Apr 2026Not upheld
TSB 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 M to accept or reject my decision before 19 May 2026.
View source decisionDRN-598242521 Apr 2026Not upheld
MONZO BANK LIMITED · Banking and Payments
For the reasons given above, it’s my final decision not to uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss A to accept or reject my decision before 19 May 2026.
View source decisionDRN-613672621 Apr 2026Not upheld
Santander UK Plc · Banking and Payments
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 M to accept or reject my decision before 19 May 2026.
View source decisionDRN-618561121 Apr 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
For the reasons I’ve explained, I don’t uphold this complaint. This final decision marks the end of our service’s consideration of the case.
View source decisionDRN-621838721 Apr 2026Not upheld
Elderbridge Limited · Mortgages
I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr L and Mrs L to accept or reject my decision before 19 May 2026.
View source decision