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
-
Decision Reference DRN-5092501
18 Oct 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5092501 The complaint Miss B has complained that Monzo bank acted irresponsibly when it provided her with a number of different credit facilities, including an overdraft in 2021. This decision will only consider what happened in relation to Miss B’s overdraft facility as her concer... (4 pages)View decision -
Decision Reference DRN-4868875
27 Jun 2024 Monzo Bank Ltd Not upheldConsumer CreditDRN-4868875 The complaint Mr S complains that Monzo Bank Ltd has lent to him irresponsibly. He says proper checks would have shown Monzo shouldn’t have lent to him and he’s seeking to have the loan written off without detriment to his credit file. What happened I set out a detailed backgro... (5 pages)View decision -
Decision Reference DRN-4895285
8 Jul 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4895285 The complaint Mr C has complained that Monzo Bank Ltd (‘Monzo’) closed his account without notice. He wants it to acknowledge that this shouldn’t have happened and do something about it. What happened Mr C had a current and a joint account with Monzo for a number of years. This... (3 pages)View decision -
Decision Reference DRN-4975706
8 Jan 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4975706 The complaint Ms Z complains that Monzo Bank Ltd (‘Monzo’) won’t refund the money she lost when she fell victim to a scam. What happened Ms Z says that in March 2023 she met a man on a dating site who said that he could help her to earn money by investing in cryptocurrency.... (5 pages)View decision -
Decision Reference DRN-2869529
11 Jun 2021 Monzo Bank Ltd UpheldConsumer CreditDRN-2869529 The complaint Mr W took out a loan with Monzo Bank Ltd (“Monzo”) in July 2019. He says that Monzo lent to him irresponsibly. He has since struggled to make the monthly repayments. What happened Mr W says that he applied for a £15,000 loan as he wanted to consolidate other lend... (6 pages)View decision -
Decision Reference DRN-5451035
23 Apr 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5451035 The complaint Ms M complains that Monzo Bank Ltd (Monzo) won’t refund the money she lost to an authorised push payment (‘APP’) scam. What happened The circumstances of the complaint are well-known to both parties. As this is the case, I don’t intend to set them out in detail... (4 pages)View decision -
Decision Reference DRN-4465599
8 Apr 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4465599 The complaint Mr Q has complained that Monzo Bank Ltd provided him with an overdraft without doing the right affordability checks. He says the overdraft was unaffordable and has asked for all interest and charges incurred on the overdraft to be refunded. What happened Mr Q took... (4 pages)View decision -
Decision Reference DRN-5319369
13 Mar 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5319369 The complaint Mr B complains that Monzo Bank Ltd (Monzo) acted irresponsibly when they agreed to him having a Flex account and giving him further credit limit increases. What happened In August 2022 Mr B applied for a Flex account with Monzo. His application was successful, ... (4 pages)View decision -
Decision Reference DRN-5041114
8 Nov 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5041114 The complaint Miss B complains that Monzo Bank Ltd ought not to have approved her application for a revolving credit account in July 2022 and ought not to have approved the credit limit increases she applied for afterwards. Plus, Miss B complains that Monzo took five months ... (6 pages)View decision -
Decision Reference DRN-4956012
8 Oct 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4956012 The complaint Mr S has complained about Monzo Bank Ltd’s decision to increase the limit on his ‘Flex’ account with Monzo, which provided running account credit for transactions Mr S made on his current account, which was also held with Monzo. Mr S has experienced financial d... (8 pages)View decision
