Tagged decisions
21,529
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.
Page summary
21,529 published decisions tagged fraud or scam concern, with upheld-rate context, product concentration, firm exposure, precedent signals, and representative cases.
Tagged decisions
21,529
Published decisions carrying this complaint-theme tag
Upheld rate
28.6%
6,169 upheld decisions
Latest published decision 02 Feb 2026
Upheld rate
28.6%
6,169 upheld decisions
Leading product
Banking and Payments
14,169 decisions
Leading firm
Revolut Ltd
2,472 decisions
Fraud Or Scam Concern as a public complaint theme
21,529 published decisions in the corpus carry the complaint-theme tag fraud or scam concern. 28.6% 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: Fca Principles
- Leading firm: Revolut Ltd
How this theme moves across the corpus
Fraud 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 97 published decisions with an upheld rate of 16.5%.
- 2026: 97 decisions, 16.5% 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
Banking 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.
Fca Principles, Disp, Consumer Credit Act 1974, and others are the most visible precedent signals tied to this complaint theme.
- Banking and Payments: 14,169 decisions
- Revolut Ltd: 2,472 decisions
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-509089902 Feb 2026Not upheld
NATIONAL WESTMINSTER BANK 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 2 March 2026.
View source decisionDRN-557014102 Feb 2026Not upheld
Tide Platform Limited · Banking and Payments
My final decision is I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr I to accept or reject my decision before 2 March 2026.
View source decisionDRN-575076502 Feb 2026Upheld
Handelsbanken plc · Banking and Payments
My final decision is I don’t uphold Mr J’s complaint against Handelsbanken plc. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr J to accept or reject my decision before 2 March 2026.
View source decisionDRN-576230002 Feb 2026Not upheld
Revolut Ltd · 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 S to accept or reject my decision before 2 March 2026.
View source decisionDRN-584224902 Feb 2026Not upheld
Barclays Bank UK PLC · Banking and Payments
For the reasons stated above, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask K to accept or reject my decision before 2 March 2026.
View source decision