What have you actually given Monzo to identify the account you claim was being used fraudulently? That a Scottish woman was talking on it? Do they need to close all accounts that belong to Scottish women even though it might be owned by someone else and could have been stolen by the methods tried on you? Monzo staff are good, but they are not clairvoyant’s.
What are they going to actually investigate? They have nothing to investigate because you gave them nothing to investigate. They have asked for as much details as possible from you and I would given them everything you can. They can check their account opening practices, but I will be honest, they are better than many high street banks. Try opening a Monzo account to find out.
The thread wasn’t deleted. You don’t have any reviews of the account, you have a review of your bank and how someone almost convinced you to transfer money from it.
Your actual story is a good one about how you can successfully stop fraudulent transactions. Don’t blame the fraud of another bank because someone can legitimately open an account with them or they could have successfully stolen it if from someone more gullible. Keep telling your story how you were successful and next time take down identifying details in order to allow Monzo and/or the police to identify the account.