Had a bank account with them for a few years. Cancelled it as I wasn’t using it, Wanted to reopen as I wanted to make a joint account with my partner and move all payments to Monzo. Told that I can never use Monzo again even though I followed all their rules and never participated in anything illegal etc. Email doesn’t even make sense. Said “ Hi Daniel 👋 We’re sorry we can’t say for sure and give you more certainty but we just can’t predict how circumstances might be different in future. We can tell you though that you won’t be able to open another account with Monzo right now, or any time soon”