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How to complain to TSB

Generate a structured complaint letter to TSB based on your timeline, reference numbers and evidence. Clear, firm, and ready to send.

Payment problem Account problem Fraud / scam handling Fees / charges dispute Complaint handling
Generate a complaint letter How it works Back to Banking & finance Typically ready to send in 2–4 minutes.

How it works

1) Add facts What happened, key dates, and who you spoke to.
2) Pick an outcome Refund / replacement / compensation / correction.
3) Send with confidence Clear structure, calm tone, next steps.

Tip: receipts, screenshots, order numbers, account references, and chat/call notes help — but you can still complain effectively without them.

Escalation and evidence

If you do not get a satisfactory response, you can escalate. The right route depends on the sector and whether the firm uses an ADR/ombudsman scheme.

  • Sector: banking
  • Regulator / ombudsman / ADR: Financial Ombudsman Service (FOS) after a final response, or if 8 weeks pass without one. FCA/PRA-regulated firm; document contacts and outcomes.
  • Typical wait before escalation: Allow up to 8 weeks for a final response. If you get a final response earlier and disagree, escalate to FOS.
  • Evidence that helps: Statements, screenshots, letters, app/online banking captures, call/chat logs, complaint reference, and any supporting documents.

Your letter should request a written response and set a reasonable deadline.

Generate a structured complaint letter to TSB

TSB complaint guidance

How to complain to TSB (UK)

This page helps you generate a calm, factual complaint to TSB. A strong complaint letter makes the issue easy to understand: what happened, what you want TSB to do, and what evidence supports your position.

Build a clear timeline

  • List events in date order (payments, blocks, decisions, promised actions).
  • Include reference numbers and who you spoke to (if known).
  • State the impact in concrete terms (money lost, time spent, missed payments).

What to ask for

  • A defined remedy (refund of £X, reversal of fees/interest, account correction, compensation, written explanation).
  • A written response within a reasonable timeframe.

Escalation (Financial Ombudsman Service)

If you are not satisfied with TSB’s final response, or if 8 weeks pass without a final response, you can usually refer the complaint to the Financial Ombudsman Service (FOS).

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Generate a structured complaint letter to TSB

TSB complaints FAQ

What should I include in a complaint to TSB?
A dated timeline, amounts and reference numbers, what you have already tried, and the specific remedy you want. Attach key supporting evidence.
When can I go to the Financial Ombudsman about TSB?
Usually after TSB’s final response, or if 8 weeks pass without one. Keep copies of all correspondence and your complaint reference.
How detailed should my evidence pack be?
Keep it focused: statements, screenshots, letters, and a short timeline. Avoid sending large bundles that do not support your main point.
Generate a structured complaint letter to TSB

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