After the money had gone
Why were you resucuring your account on the Tuesday. Had it been dormant and you’d not used it in a while?
Only ask as while it maybe genuine, it will not look good to monzo either.
Ignore that just seen later message
Because the money left my account on the Monday and when speaking to the chat they said to secure my account again. Couldn’t contact anyone due to the time on Monday.
Go to your account on Monzo & confirm the email address is correct.
If you’re not receiving emails then how have you managed to log in again??
The email address is correct as I’ve re done all the stuff they asked of me.
Any chance you use an apple (icloud.com is it?) email address? There have been issues with them not receiving the monzo emails in the past, which would explain multiple attempts to get the reset email.
That said, I would definitely be changing the password on your email account if you haven’t done that already. If you have other cards with the same PIN I’d be changing those too.
Changed PIN numbers and password for all of my accounts now.
Yes I do use iOS but use gmail.
How have you managed to log in if you’ve not received any login emails?
This thread is a bit circular and some questions etc remain 
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Received them when I opened the account and then when they asked to secure it again. That’s all.
You will have received others when logging in. There is no way to log in without it.
I’m dropping out this thread now.
Sorry to hear about your fraud, wish you luck in your future banking. 
Okay so I would say from what you have revealed so far that someone has gained access to your email (because you need an email to login to a new device). This is likely to be the person who was involved in the fraudulent activity on your NatWest account/card weeks ago, because they also needed your PIN.
They could have searched your email to discover you now have a Monzo account (I’m assuming you didn’t delete any emails from them), and then used that access to login on their own device. The re-use of the PIN has meant that a bank transfer has been successful.
I would look to the original fraud and attempt to work out how they gained access to both your original card PIN and your email.
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If all of what @tbutz has said is true, then this is likely why Monzo didn’t rule in your favour. It has taken loads of people over an hour through 50+ comments just to get the basics out of your version of events.
I’d recommend that you go and gather as much evidence as possible, including stuff from your Natwest fraud case. Then write a detailed timeline of events, double and triple checking all the facts are there and then resubmit.
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Banks often have clauses that say they have no responsibility if you tell someone your PIN.
You’re going to have to prove you didn’t tell anyone the PIN, and having the same one on an already compromised account and not changing it doesn’t help your case.
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I will begin this process and then try to resubmit this.
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Have you knowingly or unknowingly given your account details to someone else? I know of a scam going about currently of people doing this to try and make easy money but obviously it back fires. Your information is very wishy washy I feel because if I lost £3k trust me I’d be all over the details to ensure my money was returned. (I’m not suggesting you have done the above either but thought I’d mention it).
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Have you tried contacting the bank that the payment was sent to? They may be able to assist you?
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