You really over-estimate them!
2 Likes
Hahaha I do, after realising what @kolok just said⌠Probably not the brightest spark!
1 Like
Itâs also that they donât think theyâll get caught, I once took a similar type of scammer for a long ride over a few hours and he took it alright when he realised so I asked him a load of questions about how he gets away with it and some tricks which he told me, I keep meaning to write it up here but in very short nothing ever happens and the police never investigate and while I donât know the ins and outs of device fingerprinting vs apple privacy but the banks donât seem to have a clue or bother trying to identify these devices that are using tens of accounts a month with the same installation ID with suspicious login patterns.
1 Like
Iâm sure that I read recently that shops donât record this footage, maybe for data protection reasons. The cameras and screens are there for deterrent purposes.
1 Like
I think the issue here is that the OP did authorise the payment. It sounds like they tricked the OP into approving the transaction through the app.
In this case the bank isnât liable to refund, unless they are part of the voluntary agreement for push payment fraud which Monzo are not.
However, they should have responded more quickly and clearly added to the stress with poor customer service. I would think a complaint to Monzo is proportionate and you would think a suitable resolution would be for them to refund the transaction.
5 Likes
100% agree - in this instance I think theyâd rather resolve it after bad service and keep your custom than see you go elsewhere even if they arenât liable! 
2 Likes
Banks and network providers donât work together sadly. Monzo could likely add the device used to a blacklist internally so no further attempts could be made from said device if they have the infrastructure to do so.
This scam situation is frequent, surprised the tech at monzo doesnât verify location IE customers phone is in location A, but trying to approve a device for use in location B, suspicious alert.
Monzo could take a tiny bit of responsibility RE above, but really the customer is held liable for the most part.
Curious to know the outcome though, so keep us updated.
1 Like
I donât think iâm liable here they pretended to call as Monzo and they had all my information. Iâm a victim here and banks are insured to reimburse when such incident happen. If monzo canât protect my money unfortunately they should not operate in UK. Itâs so easy to fall in to victims of these things most intelligent people fall in to these so I am well within my right to request them to recover funds but i am afraid i am not getting any responses. I am opening a halifax account next week and adding my direct debit there. Will be closing all my monzo accounts once i receive my halifax card
2 Likes
Iâd keep your Monzo account open till your complaint is resolved.
6 Likes
I could call you and say I was Elon Musk, wouldnât mean Twitter would have to reimburse you.
Letâs face it, somehow these fraudsters have managed to obtain a lot of your info. Iâd be trying to work out how that happened, if I were you. Did you happen to sell an old phone or something and not wipe it beforehand?
6 Likes
You are right, these scams are very clever and anyone can fall victim to them. They convince people to act out of panic.
At the moment bank regulations mean that the bank does not have to refund in these situations. I agree that they should refund anyway, but they donât have to.
I still hope for you that your complaint gets somewhere.
6 Likes
Banks are insured if they fail, under FSCS. This means if they can no longer operate as a bank, there is cover.
Banks arenât insured for fraud and scams.
Some banks pay into a pot for these types of scenarios, monzo isnât part of that.
Itâs best to ride it out and see what monzo decide.
While yes you are a victim of a scam, thereâs no one straight answer in terms of reimbursement or your part IE approving cards and payments.
Itâs the harsh reality of it.
4 Likes
10.X.X.X
172.16.X.X to 172.31.X.X
192.168.X.X
3 Likes
Most of what youâve said doesnât stack up, maybe Monzo have proof that youâre not telling the whole truth?
7 Likes
I admit this is a possibility to be honest, although we do not have the tools to investigate these things and so I always give people here the benefit of the doubt.
It is worth noting that a deliberate attempt to claim there was fraud when there wasnât is always a very bad idea. You can have a CIFAS marker for first party fraud raised, which can make it almost impossible to open new bank accounts for years.
But again I am assuming this doesnât apply to this poster, and that they are the genuine victim of push payment fraud.
2 Likes
Hey Pavi 
Really want to make sure this is being looked into fully - Iâm going to send you a DM so please keep an eye out for this.
In the meantime, Iâm going to go ahead and close this Topic temporarily to allow us to take a moment, then I can allow Pavi to re-open.
6 Likes