We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 72 results
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Decision Reference DRN-4669976
1 Oct 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4669976 Complaint Miss M has complained about a flex credit card Monzo Bank Limited (“Monzo”) provided to her. She says the credit card was irresponsibly provided to her as it was unaffordable. Background Monzo provided Miss M with a flex credit card with a limit of £2,000.00 in Au... (3 pages)View decision -
Decision Reference DRN-4523864
15 Jan 2024 Monzo Bank Ltd UpheldConsumer CreditDRN-4523864 The complaint Mr C has a number of complaints against Monzo Bank Ltd. He says Monzo: irresponsibly lent him a loan. Didn’t block gambling transactions even though he applied a gambling block to his account. Provided poor customer service in the way it handled his complaint. ... (3 pages)View decision -
Decision Reference DRN-5473434
25 Apr 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5473434 The complaint Miss W says Monzo Bank Ltd (‘Monzo’) irresponsibly lent to her. She says that based on her existing financial situation she should not have been approved for a flex credit account. What happened This complaint is about a flex credit account that Miss W took ou... (3 pages)View decision -
Decision Reference DRN-4690878
3 Apr 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4690878 Complaint Miss S has complained that Monzo Bank Ltd (“Monzo”) irresponsibly provided her with an overdraft which it continued applying charges on even when she was in financial difficulty. Background Miss S was provided an overdraft with an initial limit of £500 by Monzo in Aug... (4 pages)View decision -
Decision Reference DRN-4823837
28 Jun 2024 Monzo Bank Ltd Not upheldConsumer CreditDRN-4823837 The complaint Mr C complained that Monzo Bank Ltd (“Monzo”) irresponsibly granted \<br />View decision
him a personal loan in July 2023 that he couldn’t afford to repay. What happened On 13 July 2023, Mr C took out a loan of £25,000 over a term of 40 months, with a monthly repayment of £800... (4 pages) -
Decision Reference DRN-4576828
26 Feb 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4576828 Complaint Mr S has complained that Monzo Bank Ltd (“Monzo”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background One of our investigators looked at Mr S’ complaint and thought that Monzo hadn’t ... (4 pages)View decision -
Decision Reference DRN-4813886
10 Jun 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4813886 Complaint Mr D has complained that Monzo Bank Ltd (“Monzo”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background Monzo initially provided Mr D with an overdraft facility of £500, which had a cre... (4 pages)View decision -
Decision Reference DRN-4288174
29 Feb 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4288174 The complaint Mr H complains that Monzo Bank Ltd closed his account without notice and lent irresponsibly to him. What happened In June 2021 Monzo approved Mr H’s overdraft application of £750, with two increases in August and September 2021. Monzo also approved a loan in March... (3 pages)View decision -
Decision Reference DRN-4761318
5 Jun 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4761318 The complaint Miss S complains that Monzo Bank Ltd lent irresponsibly when it approved her overdraft application. What happened In August 2019 Miss S applied for a bank account and associated overdraft with Monzo. An income of £1,737 after tax was used and Monzo says it applie... (3 pages)View decision -
Decision Reference DRN-5023145
21 Feb 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5023145 The complaint Mr L complains Monzo Bank Ltd (“Monzo”): Closed his account with immediate effect and without explanation. Lent to him irresponsibly when increasing his credit card account limit to £4,500. Is unfairly holding him liable for his credit card balance as it ... (6 pages)View decision
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