21/04/2026
Dear Virgin Money UK
I am writing to give honest feedback about how you handled my account. Freezing it and sending it to an external investigator without clear explanation was unfair and unacceptable.
The way this was done felt like I was treated as guilty from the start. There was no proper communication, no attempt to understand my situation, just an immediate move to restrict my access. That is not how a bank should treat its customers.
As a Nigerian, I cannot ignore how this feels. It comes across as bias, even if you do not openly admit it. There is a long history of Nigerians being treated with suspicion in financial systems, and your actions fit into that pattern. It feels like you saw my background first and my actual activity second.
This kind of behaviour looks like discrimination hidden behind process. You may call it compliance, but from my side it feels like profiling. That is a serious problem.
Your approach also feels outdated. People today earn money in many different ways, especially across borders and online. Not everything fits into old, narrow banking expectations. Treating unfamiliar income patterns as suspicious just shows how out of touch your systems are.
Overall, this experience has been frustrating and disappointing. It has made me question how fair your processes really are, and whether all customers are treated equally.
You need to seriously reflect on how you handle cases like this, because right now it does not feel fair or modern.
Sincerely,
Steven Akinyemi
De-Sky Multimedia Uk