A family member wanted to send me money for my 16th birthday and since it was a pretty big birthday they sent me a lot of money and then my account got closed
Are you going to tell the whole story or just the snippet that you think makes it sound best?
Either way, nobody here can help you. Complain to Monzo and then if you don’t like that answer, complain to the ombudsman.
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I’ll play along…
How much was this 16th birthday gift?
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I’ve now been distracted reading ombudsman final decisions on Monzo complaints. It’s wild what complaints there are.
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That’s really nice of them.
That’s really nice to hear, Happy Birthday
How bizzare. I wonder how that could have happened?
RIGHT
Now that we’ve had that lovely story, let’s hear the real thing. What actually happened? The more honest you are, the easier it is for us to actually help you.
For starters, opening a new bank account and instantly sending large amounts of money to it raises every red flag Monzo has.
Also, Monzo doesn’t freeze accounts for the fun of it (even though it does seem it at times). They will have a genuine reason for this, and now it’s up to them to decide the outcome of their investigation.
_
Right, I’ve just reread your post. Is your account frozen or closed. If Monzo have closed your account then I’d be checking if you’ve got a CIFAS (or Cifas) marker. If it’s frozen then you’re just going to have to wait for Monzo to do it’s thing.
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It was £500
I enjoy reading the decision notices too.
Highly entertaining at times.
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I think I have some bedtime reading to do…
It wont have been closed for this reason.
You might think it is, because that’s the last thing that happened, but it could have been anything in the past or behind the scenes.
Contact Monzo and see what they say rather than stressing over the could have beens.
This one is wild - https://www.financial-ombudsman.org.uk/decision/DRN-4933382.pdf
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They still got £100 out of it all 
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Cause it took Monzo ages to review their account. Interesting to see the ombudsman says the reviews should be 2 weeks max.
Is ‘@Jo’ simply an AI LLM trained off @Revels posts in this forum?
Seems very similar in outlook, even if more words are involved 
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I understand that. Whether it took 2 days or 2 weeks it would have made no difference.
They couldnt get their story straight. So many red flags it makes you wonder if any of it was true.
Absolutely, and it’s interesting to read because there’s always so much to the story for why Monzo close an account vs don’t etc.
I also didn’t realise the ombudsman gets so much data from Monzo. Makes sense though!
Calm
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I wonder if the stories started with ‘what is was was…’
I read a great one against Nationwide with real Father Ted vibes ‘The money was just resting in my account’
As a follow up I read one against Co-operative bank (they seem to have a lot of complaints upheld) but this time a guy bought solar panels in 2011, didn’t think they were worth it and tried to get Co-op to do a charge back in 2023. I mean the brass b@lls…
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Actually it doesn’t quite say that. It doesn’t specify how long a review should take and on this occasion says due to the complexities it was reasonable for it to have taken at least 2 weeks. I think we’re missing a bit of info as to why it took a month and why that was too long in this case… Possibly the decision had pretty much been made after 2 weeks but didn’t actually communicate that until a month?
Anyways these things make for interesting reading
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