I just received their final response on my merchant data complaint (when they asked me to submit a bunch of corrections, I spent an hour doing it, and then they told me that wasn’t the right way to do it) and my bank transfer complaint.
They combined the two complaints into one and gave me £25 in total. As I feared, there’s no acceptance that anything is broken, and no attempt to fix it. Being quite honest, the £25 is an insult. The amount of time I wasted on both of these issues, because of Monzo’s misguidance, and the frustration this has caused.
I’m tempted to take it to FOS, but at this point, I don’t even have the energy.