Monzo Have Sent Me Someone Else's Debit Card

inspectorperez

Just wondering how this could have happened and is there anything sinister to be concerned about?

New card sent to my property address in someone else's name.

I have reported this to Monzo who have requested me to destroy the card.

I have requested that they give me an explanation as to how this has happened. The issue of new cards has to be a secure process and amongst other things there has to be a correct match of customer's name with postal address to which the card is being posted.

The response is less than reassuring "…..this was probably a hiccup…."

Don't think there is anything else I can do, but just wondering about the risk that someone is using my property address for some sort of scam or fraudulent purpose.

The other thing that strikes me is what could be regarded as the bank's glib reaction to what I would have thought was a pretty serious mistake by whoever is responsible for maintaining an accurate database and the issue of new debit cards.

subjecttocontract

If you got someone else's card then someone has probably got yours.......I'd be more co centre about that than anything else.

inspectorperez

https://forums.moneysavingexpert.com/discussion/comment/82074221#Comment_82074221

I never said I had a Monzo account.

Brie

Have you checked your credit reports to make sure nothing else is happening that might actually effect you? Is it possible that someone is trying to use your address for some reason? Possibly (maybe?) a postal worker who might have done something tricky and then didn't manage to intercept the card?

bobblebob

https://forums.moneysavingexpert.com/discussion/comment/82074231#Comment_82074231

If you dont have a Monzo account i cant see how it can be a Monzo mistake. They wouldn't have your address anywhere in their system to get it mixed up with someone else

Whats more likely is someone has used your address to apply for a card. Whether this is fraudulent, or just a genuine typo by the person applying, who knows

inspectorperez

https://forums.moneysavingexpert.com/discussion/comment/82074247#Comment_82074247

Have checked out my July credit report and nothing amiss.

inspectorperez

That's what I'm concerned about and the risk that fraud might take place eventually ending up with a knock on my front door or debt collection letters.

Isthisforreal99

https://forums.moneysavingexpert.com/discussion/comment/82074247#Comment_82074247

Why would anything show on OP's credit report if the card was in a different persons name. Credit files are linked to the person not the address.

dcs34

Have you made it clear to Monzo that the card was sent to your address in the name of someone who doesn't live there, rather than say the postman delivering someone's card to the wrong address?

Either someone has fraudulently/accidentally opened an account using your address, or Monzo's computer systems are mismatching customer addresses - both are quite serious issues and Monzo should be offering more of a detailed explanation that "oops just a hiccup", if only to give you confidence that they've done a proper investigation and can rule the first possibility out. Put these statements to them in writing and ask them to specifically respond to the points rather than allowing them to give a vague response. Ask for specific confirmation that they have no accounts / customers lodged against your address.

Email: complaints@monzo.com

inspectorperez

https://forums.moneysavingexpert.com/discussion/comment/82074490#Comment_82074490

Thank you for your comprehensive response.

Yes, I have sent Monzo an image of the printed address label showing customer name and postal address in the preliminary email exchanges which took place this morning.

I agree with your view that this is a serious mistake and intend to take the matter further by means of correspondence.

GeoffTF

https://forums.moneysavingexpert.com/discussion/comment/82074499#Comment_82074499

Why does it matter to you? I have had letters from banks to other people delivered to my address. I did not open them. I reposted them with "NOT KNOWN AT THIS ADDRESS". The banks eventually stopped sending them. I have had other letters sent to unknown persons at my address. One that looked like a "you have won an overseas lottery" letter. I expect that was a scam.