Ombudsman finds Revolut repeatedly misled customer after chatbot falsely confirmed £1,119 refund
In September 2025 a Revolut customer asked its chatbot to refund loyalty points. According to Financial Ombudsman Service decision DRN-6062372, he was initially offered £22.38 for 1,119 points. Four days later the chatbot said those points were worth £1,119 and confirmed it had processed that refund. After the chatbot retracted this, a live agent said the £1,119 refund was being processed. The next day the chatbot said it had issued £22.38. The customer described financial pressure and distress, said he had disclosed ADHD to Revolut, and supplied a GP letter describing symptoms including anxiety and insomnia. The ombudsman discussed the bank's responsibility to accommodate vulnerable customers, but also thought the customer probably knew the higher figure was wrong and said Revolut corrected matters quickly. It nevertheless found that repeated misinformation had raised his expectations and directed another £50 compensation, bringing the award to £100. He was never entitled to the £1,119. Acceptance of the decision, payment of the additional £50 and any changes to the chatbot or support process are unconfirmed.
AI involvement supported · Causal attribution supported · 1 source · Added 15/10/2026