|
11052961
|
2024-12-07
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Funds not received from closed account
|
| Sub Product |
Checking account
|
| Date Received |
2024-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-07
|
| Complaint What Happened |
they have done the three-way call to verify my account but refuse to issue me a check. they asked me to apply to activate the account, but keep telling me that the application is under review.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5769668
|
2022-07-13
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Savings account
|
| Date Received |
2022-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-13
|
| Complaint What Happened |
Etrade keeps restricting my account. I asked for the policy that governs this but I have yet to see it. I had to verify multiple bank accounts with invasive questions. The account was unlocked/unrestricted 4 times and then restricted again and again. When I made many transfers into the account I never had any restrictions. I withdrew my brokerage account funds in the past but the account remains open. One of my checking accounts has been attached to Etrade for years but I still had to verify the account. Its very hard to get connected to the activations team. When connected it seems they shoot from the hip as to why account is restricted and what is needed to remove the restriction. No bank should be allowed this much power over any persons account. I lost interest and fees due to Etrade restricting my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3137793
|
2019-01-30
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-07
|
| Complaint What Happened |
I started a mortgage with XXXX XXXX XXXX on XXXX.
XXXX XXXX XXXX on XXXX assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Morgan Stanley purchased the 1st lien mortgage at the property located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( Mortgage ) on XX/XX/XXXX from XXXX XXXX. The borrower 's name at the time of acquisition was XXXX XXXX. XXXX sold the Mortgage on XX/XX/XXXX into the securitization trust, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
The servicer at the time was XXXX. XXXX signs assignment on XXXX.
So here is the question for you. If XXXX sold my loan in XXXX! From nortorized statement. HOW can XXXX assign it to a Mortgage backed Security in XXXX?
I believe we have fraud and disgorgement.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2677891
|
2017-09-15
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2017-09-15
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2034273
|
2016-07-28
|
Deposits and withdrawals
|
Bank account or service
|
|
| Tags |
Older American
|
| Issue |
Deposits and withdrawals
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Bank account or service
|
| Sub Product |
Other bank product/service
|
| Date Received |
2016-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-28
|
| Complaint What Happened |
I over the period of about 10 years basically wiped out my Rollover IRA. This was done via email through Letters of Authorization. I was never informed by the brokers at XXXX XXXX XXXX and then Morgan Stanley that these early withdrawals would be subject to early withdrawal penalties. In addition, this year when I got very ill and my wife took over via a POA she discovered that the Broker never contacted her about these withdrawals even though it is a joint Financial Management Account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1304076
|
2015-03-27
|
Other
|
Mortgage
|
|
| Issue |
Other
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2015-03-27
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-17
|
| Consumer Consent Provided |
N/A
|
|
|
844947
|
2014-05-09
|
Billing disputes
|
Credit card
|
|
| Tags |
Older American
|
| Issue |
Billing disputes
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Credit card
|
| Date Received |
2014-05-09
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-05-14
|
| Consumer Consent Provided |
N/A
|
|
|
1833698
|
2016-03-15
|
Making/receiving payments, sending money
|
Bank account or service
|
|
| Tags |
Older American
|
| Issue |
Making/receiving payments, sending money
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Bank account or service
|
| Sub Product |
Other bank product/service
|
| Date Received |
2016-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
561083
|
2013-10-17
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2013-10-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-10-18
|
| Consumer Consent Provided |
N/A
|
|
|
774342
|
2014-03-24
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2014-03-24
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-03-31
|
| Consumer Consent Provided |
N/A
|
|
|
3818695
|
2020-08-28
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-08-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-28
|
| Complaint What Happened |
Morgan Stanley Home Loans keeps saying they will modify the loan with respect to lowering the interest. Instead, they keep sending repeated forms about being in the military which is not applicable. They have offered no assistance during covid, despite assertions to the contrary, except to require all payments be made in month four. We have excellent history and this lousy company keeps making promises and does nothing to help or keep their word about modifying the interest rate to a more reasonable number. Last call they promised to send information and application to modify and this was third promise. Instead all they send is some form nonsense about military service which does not apply. Please escalate.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3018357
|
2018-09-06
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-09-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-13
|
| Consumer Consent Provided |
N/A
|
|
|
60286
|
2012-04-18
|
Problems caused by my funds being low
|
Bank account or service
|
|
| Issue |
Problems caused by my funds being low
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2012-04-18
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2012-04-18
|
| Consumer Consent Provided |
N/A
|
|
|
33579
|
2012-03-11
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2012-03-11
|
| Submitted Via |
Referral
|
| Company Response |
Closed without relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2012-04-02
|
| Consumer Consent Provided |
N/A
|
|
|
6693821
|
2023-03-14
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
No
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Company closed your account
|
| Sub Product |
Savings account
|
| Date Received |
2023-03-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-14
|
| Complaint What Happened |
Morgan stanley Etrade financial sent a letter after I made a complaint and closed my account. The stated reason was because of a XXXX balance. My balance is currently XXXX cents. If Etrade closed my account they should have sent me a check of any funds in the account. Etrade is refusing to give me my funds. Customer service representative asking me if I was willing to let the money go. I cant believe I was asked this. I asked for a supervisor and told person I was recording him. Representative got angry and put me on long holds to avoid being recorded. Supervisor never responded. These are all bad practices that should not be ignored. I am not sure how a bank can decide when to close an account. If a bank closes an account just send any funds to the account holder and be done with it. I asked why my account was being closed and representative would not provide information. Please forward this to both Morgan Stanley and Etrade.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2004948
|
2016-07-08
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2016-07-08
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-07-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
8105457
|
2024-01-04
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2024-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3262663
|
2019-06-03
|
Incorrect information on your report
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Issue |
Personal information incorrect
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-06-03
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-03
|
| Consumer Consent Provided |
N/A
|
|
|
3822091
|
2020-08-31
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-08-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-31
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6942082
|
2023-05-05
|
Opening an account
|
Checking or savings account
|
|
| Issue |
Opening an account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Confusing or missing disclosures
|
| Sub Product |
Other banking product or service
|
| Date Received |
2023-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-08
|
| Consumer Consent Provided |
Other
|
|
|
2066950
|
2016-08-16
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2016-08-16
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
6185669
|
2022-11-09
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2022-11-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-09
|
| Complaint What Happened |
I am a male, XXXX years of age. The E*Trade bank has refused service. Although the bank has verified all information. The bank on several occasions has been provided with all identifying information including, licenses, passport, written statements. However, the banks keeps on categorizing the account based on gender identity. The bank has also frozen the funds and therefore payments are not generally happening successfully. this has become very frustrating and it is very time consuming and frustrating. And expensive.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1092028
|
2014-10-29
|
Account opening, closing, or management
|
Bank account or service
|
|
| Issue |
Account opening, closing, or management
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Bank account or service
|
| Sub Product |
Savings account
|
| Date Received |
2014-10-29
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-11-04
|
| Consumer Consent Provided |
N/A
|
|
|
706101
|
2014-02-10
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit
|
| Date Received |
2014-02-10
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-02-11
|
| Consumer Consent Provided |
N/A
|
|
|
7145236
|
2023-06-20
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-06-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-20
|
| Consumer Consent Provided |
Other
|
|
|
760169
|
2014-03-14
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2014-03-14
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-03-20
|
| Consumer Consent Provided |
N/A
|
|
|
2421889
|
2017-04-05
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit
|
| Date Received |
2017-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
687813
|
2014-01-27
|
Account opening, closing, or management
|
Bank account or service
|
|
| Issue |
Account opening, closing, or management
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Bank account or service
|
| Sub Product |
Savings account
|
| Date Received |
2014-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-01-27
|
| Consumer Consent Provided |
N/A
|
|
|
9530016
|
2024-07-16
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Funds not received from closed account
|
| Sub Product |
Checking account
|
| Date Received |
2024-07-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
485397
|
2013-08-09
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2013-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-08-12
|
| Consumer Consent Provided |
N/A
|
|
|
6496220
|
2023-01-27
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
No
|
| Company |
MORGAN STANLEY & CO. LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Savings account
|
| Date Received |
2023-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-27
|
| Complaint What Happened |
I login in and see my account is frozen and that I need to call account activations. I already had an active account. I had very little i the account and when i received interest I tried to withdraw that amount to a verified external account at customers bank. I had 3 accounts at customers bank. The account I had saved was closed by the bank because they have newer better online accounts. Simple easy mistake. The {$50.00} was returned to my account. I believe this is the reason frozen. Etrade does not send any formal letters telling me account is frozen and why. I ask for their policies and they do not provide that as well. I was told that only a 3 way call was needed to verify my bank accounts. Not sure why but this step has never been completed. When I call again and again and after long hold times Im told a different answer each day. I need to provide my license and social security card. I am not send my security card anywhere. It hasnt moved from its safe in over 20 years. Them im told i need to write a letter? Stating what i do not know. Them im told just a copy of my license. Which I have sent 4 times and a fifth after this complaint. Im told its illegible. What does that even mean? I never get any follow calls emails nothing. I feel like this company is using illegal practices and trying to aquire my funds. I have never bounced a check but its like bouncing a check or maybe not even because the money was returned to my account from a transaction that i made not a stranger. Im not sure why account is frozen but there should aslo be a deadline for banks. Have them send a check to me the owner on file and ill be done with this company.
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| Consumer Consent Provided |
Consent provided
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