can you open a complaint with the ombudsman before Monzo has had a chance to give you their final response ???
I thought the process was formal compliant to Monzo , give them time to respond , if not satisfactory complain to Ombudsman , I thought the ombudsman dont entertain complaints without going through the correct process
not sure there is much logic on potential lost profits on share / crypto dealing …if you had lost money on your crypto would you have let Monzo off that amount… 
?
I got their final answer, which is empty.
I didn’t left any money, my account has been frozen 1 or 2 hours after getting the funds.
I never lost money on stocks or cryptos.
well good luck in your complaint then 
Our final response: We’re unable to uphold your complaint
let us know what the ombudsman says …
Hahaha, I guess, I hope I would have my money by then !
Hopefully you will but if not you’ll be compensated if you’ve been treated unjust.
All I can say is that Monzo have invested a LOT of time in creating anti-fraud software and machine learning to spot patterns of fraud. There MUST be something in it. Links to fraud, incorrect tax claims, or something that just doesn’t add up when compared to the bigger picture that they clearly have.
All banks work in the same way, unfortunately for Monzo, their transparency on an open forum puts them in the firing line… and all other banks just keep it quiet.
I really hope, Monzo is improving that software otherwise it’s just a ‘‘lucky dip’’ when your or my account will be flagged 
It’s not a lucky dip, but if you want to carry on peddling that myth then fair enough.
Banks do not close accounts by lucky dip.
I have nothing to worry about… all banks have fraud systems in place.
It’s all done to stop crime anyway… it appears that’s a good thing for the safety of my money
I don’t think ‘lucky dip’ would meet FCA standards
Can’t be talking sense anymore with this person, it doesn’t fit with their narrative.