MONZO BANK LIMITED
Financial Ombudsman decision DRN-5992871 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jun 15deadline to accept (not the decision date)
The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.
What this decision was about
Credit file reporting, Complaint handling
In the Ombudsman’s words
Monzo defaulted the overdraft on 22 July 2024, and later the Flex account in January 2025.Credit file reporting
Monzo accept that it didn’t respond to Mr B’s legal representatives from late July 2024 until March 2025.Complaint handling
Rules cited
FCA DISP (Dispute Resolution), Financial Services and Markets Act 2000
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5992871.pdf on financial-ombudsman.org.uk.
The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.