Zempler Bank Limited

Financial Ombudsman decision DRN-6033667 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Thu Feb 26deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Funds blocked or frozen, Credit file reporting

In the Ombudsman’s words

In February 2025, Zempler placed a credit freeze on Mrs C’s account due to what it said was her repeated use of the overdraft facility.Funds blocked or frozen

Mrs C complains Zempler Bank Limited recorded adverse information on her credit file in relation to an overdraft.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6033667.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.