Totally appreciate how frustrating it must be for you however there is nothing that can be done on this forum to help at the moment. This thread has been flagged up to Monzo however I’ve not seen any members of the team on today so it may well be Monday before it’s picked up.
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I understand completely, I only responded as I thought I was being called a fraudster. That’s not a nice thing to be called, especially when it’s so far from the truth. I was just defending my reputation on the forums, hopefully all will be resolved on Monday 
Again, this is only my problem to all readers, before this I had no problems and neither have any of my family/friends, seems I done something specific wrong.
Anyways! I’m off for the night, everyone have a good one, hopefully this will get picked up monday!
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Im confused…
The screen caps of the emails sent to monzo dont back up “the issue” - well at least in my eyes anyway…
Is the refund for $1050 or $1086 ?
Did you pay with Paypal or with your card? - I received a refund from paypal 2 days ago and it was returned to my paypal account for me to then choose what I did with it…
Just wondering as its details like this that need to be exact or else you’ll not get very far…
Indeed you’re not, but then what’s the point of your post?
If it’s to point out to the OP the similarity, why not do that with a DM?
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You mean like your reply to me is a DM?
A DM can be initiated by clicking on a user’s name, then selecting the button labelled “Message” (with an envelope next to it).
Looks like they handled the refund for an active card check just fine and forwarded it to your Santander account, so I doubt it will be anything different for your other refund.
I would recommend getting in touch with the merchant or disputing the initial payment to them.
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you should check PayPal about the refund I assumed you paid with your Monzo card through PayPal, or you use PayPal to pay and have the money come out to your Monzo ACC via direct debit, in the case with refund back to your PayPal if you paid with your card it can take up to 10 working days to get your money back, if it’s through direct debit then your refund will go back to your PayPal account balance where you need to login and transfer the money from there to your bank account of choice, and from what you said about Monzo processes a Amazon card check refund then I assume they will do the same with this money
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This should probably be locked. Nothing people can do here and the situation is only getting exacerbated.
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The thing is, we always lock these threads…wouldn’t it be nice to know the outcome?
Seeing more and more people having accounts close and I’d be interested to know why - whether it’s people exaggerating on here when they know they’re being Dodgy or whether it’s Monzo’s.
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Banks will have to individually assess the risk of a user (remember, they only know us virtually). You see it in the news occasionally, about accounts being closed/frozen.
It looks like the account is closed and Monzo’s is returning any refunds to the user. I don’t think Monzo will change its position on the closure though.
I hope the refund issue is resolved ASAP. No bank can tell us the outcome of individual issues though, both for privacy and regulatory reasons.
Which is fine. I would just like to hear more from Monzo’s on generic reasons they close accounts.
Wouldn’t it be handy to know so of the reasons an account could be closed under Monzo’s criteria without giving us too much info?
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Yep, absolutely.
In my head, I was thinking…what if I was sorting a holiday and receiving large payments for folks paying in monthly…I don’t want to be accused of running a business and have it closed etc.
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Is it against Monzo policy to run a business ? I know some banks require you to have a " business " account
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No, I don’t care - it’s none of my business.
Seeing everyone speculate and jump to conclusions about this guy is wrong. As mentioned he needs to contact them via the appropriate channel - he has even marked this as resolved so why is it continuing?
If Monzo wish to respond (they don’t have to) then they can at a later date but in the mean time nothing more needs to be said.
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I’m not sure of the exact terms but it’s a personal current account (in my view).
I take that as the odd bit of selling things online etc is perfectly fine. But running a business and paying suppliers through it is probably a no no.
The reason why I take this view is that Monzo have said previously that they aren’t looking to introduce business accounts yet. Although they have mentioned some things about freetraders / Sole Traders: Freelancers, sole traders and contractors on Monzo – we’d love to chat!
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Makes sense to me, thanks.
If the OP is genuine i hope it gets resolved
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OP first post begins with
So since my account was closed for no apparent reason,
Monzo must have given a reason, no ?
if you check the ombudsman website a bank don’t have to do service with an individual if they don’t want to and they can close your account immediately if you breach thier T&C, I was in that boat with Ulster Bank when they closed my ACC last year for no reason didn’t even said why and I’ve banked with them for 3 years with no problems but they closed it, I went through the financial ombudsman and they upheld what the bank did and said they don’t have the power to make the bank reopen my account and they don’t have to do business with an individual if they want to that was basically it and the bank don’t have to give a reason why they closed it.
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