Monzo Flex Card Payment request letter

extrareach

Morning All,

Odd one here I have had a letter from monzo bank stating that there are 2 overdue payments on my monzo flex account. I do not have a monzo account or a flex card.

The letter shows no account numbers or the like.

I have called monzo and they do not have me on their system at all. Anyone else experienced this??

TIA

flaneurs_lobster

So unsolicited letter about an account you don't have requesting that you pay (someone) some money?

Does the letter have the payee details to use?

la531983

About to say, an app only bank sending a physical letter seems a bit odd.

Can you post the letter? Blank out your name and address.

If someone was behind on one of these plans they would simply go into the app and make a payment.

extrareach

I have photographed them

extrareach

No that is the peculiar thing. also when checking with monzo the have no idea who I am and they agree I have no account?

la531983

Right so the letter isnt asking for payments to be made to an account outside the app, so defo not a sophisticated scam by a third party.

extrareach

Im guessing there will be another letter with bank details at some point?

la531983

https://forums.moneysavingexpert.com/discussion/comment/82087174#Comment_82087174

Maybe, but Flex payments are made by using funds from the main Monzo account and are done in the app.

At this point I would just ignore it, but Monzo need to properly investigate why you have been sent it.

MeteredOut

Monzo Flex is a buy-now-pay-later type of credit. I think that letter looks suspiciously realistic, with no obvious fraud/scam call-to-action, and I would double-check with Monzo. I'd be wary that you've been the victim of the identity theft and credit taken out in your name.

Was the letter addressed to your correct name? Did you email Monzo via the email address on the letter too?

But if they are 100% confident there's no account/credit in your name, then i guess that all you can do.

There's a chance someone has taken credit out in your name, and Monzo have addressed it internally, and have advised call centre staff to not share details. Keep an eye on your credit reports.

It could also be a mistaken identity by someone at Monzo, and was intended for someone else with a similar name.

molerat

I would go for a formal complaint. There is no way that letter should have been sent out and is likely down to a database error / mix up somewhere in their system. Without a complaint it is unlikely the matter will be pushed upwards.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/82087085#Comment_82087085

It's a default letter - not a statement or standard correspondence.

I would agree with @molerat regarding a complaint - it's either very unsual technical error (as a non-customer) or some kind of identity theft.