5961857
|
2022-09-07
|
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 |
2022-09-07
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-09-09
|
Consumer Consent Provided |
N/A
|
|
5732771
|
2022-07-04
|
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 |
Banking errors
|
Sub Product |
Savings account
|
Date Received |
2022-07-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-07-04
|
Complaint What Happened |
I HAVE OPENED AND ATTEMPTED TO MAKE A DEPOSIT INTO MY NEW ACCOUNT BUT THE TRANSFER FAILED DUE TO THE BANK ON MY END NEEDING TO ADD THE NEW ACCOUNT INFORMATION AND CREATE AN EXTERNAL BANK ACCOUNT. MEANWHILE, ETRADE HAS RESTRICTED MY ACCOUNT UNTIL THEY VERIFY ME. REALLY ETRADE? I HAVE HAD MY ACCOUNTS FOR OVER 20 YEARS AND NOW YOU WISH TO VERIFY. I DID CALL AND SPOKE TO A CSR WHO DID NOT KNOW WHAT HE WAS TALKING ABOUT AND REQUESTED DOCS TO BE SENT I SAID FORGET IT AND CLOSE THE ACCOUNT. HE INSISTED THAT I SEND THE DOCS. I AM NOT GOING THROUGH THIS AND SIMPLY WISH FOR ETRADE TO CLOSE THE SAVINGS ACCOUNT. I HAVE ALSO MADE SEVERAL ATTEMPTS CALLING ETRADE TO NO AVAIL. I HAVE ATTACHED THE LETTERS ADDRESSING THIS ISSUE AND ETRADE HAS SIMPLY IGNORED THE REQUEST AND FAILED TO RESPOND.
|
Consumer Consent Provided |
Consent provided
|
|
3165919
|
2019-02-28
|
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 |
2019-02-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-02-28
|
Consumer Consent Provided |
Consent not provided
|
|
231654
|
2013-01-14
|
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 |
2013-01-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-09-05
|
Consumer Consent Provided |
N/A
|
|
2771288
|
2018-01-03
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Mortgage debt
|
Date Received |
2018-01-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-03
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
Loan matured XX/XX/XXXX.
Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms.
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.
|
Consumer Consent Provided |
Consent provided
|
|
744303
|
2014-03-05
|
Deposits and withdrawals
|
Bank account or service
|
|
Tags |
Older American, Servicemember
|
Issue |
Deposits and withdrawals
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Bank account or service
|
Sub Product |
(CD) Certificate of deposit
|
Date Received |
2014-03-05
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-03-06
|
Consumer Consent Provided |
N/A
|
|
728791
|
2014-02-24
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2014-02-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-03-01
|
Consumer Consent Provided |
N/A
|
|
794888
|
2014-04-04
|
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 |
2014-04-04
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2014-04-09
|
Consumer Consent Provided |
N/A
|
|
9835630
|
2024-08-17
|
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 |
Unable to open an account
|
Sub Product |
Checking account
|
Date Received |
2024-08-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-08-20
|
Complaint What Happened |
The beginning of XX/XX/year> I opened 4 accounts in total with XXXX from Morgan Stanley. I opened a checking and savings for myself and a joint checking and joint savings for my husband and I. I submitted a transfer from my XXXX XXXX account {$500.00} into my savings and {$20.00} into one of my husbands accounts. The next day the accounts were locked. I called and they told me that they need more information. I upload a document stating to give my husband access to our joint accounts and he has his own login. The next day I call and they said the accounts were locked and needed more information. I do as told and my husband and I upload photos of his Permanent resident card, Work permit, social security card and Florida identification. They say great and nothing else is needed. The next day I try to login and I get in and think all is okay. Later that day I get an email saying my accounts are locked. I call and now they need me to upload photos. I upload my Florida identification, social security card and passport photos. They tell me that's all they need. By now my {$520.00} that was transferred from XXXX XXXX had posted and I was like great! Then my accounts are locked again and I call and now they want me to upload another document. This was a letter Stating to give access to both accounts. The next day I receive 2 debit cards one for my checking and one for our joint checking and checks. They overnight my husbands debit card that we never got because we both work and they made it a signature required delivery from XXXX. The card was attempted to be delivered several times but no one is home. I called to ask them to deliver it to my work instead or change the delivery to no signature required. Meanwhile my cards were just sent USPS and went into our mailbox. XXXX told me no. I open the envelope with my debit cards and relieved the cards and my checks finally came. I see I need to call and activate the cards indicated by the sticker on the cards. I call to activate and they say my account is locked again and I was not happy because by then my husband and I both already changed our paycheck direct deposits over to our new XXXX accounts. I call the next day and a rude representative just tells me ACCOUNTS CLOSED! every time I tried to speak she would just keep repeating herself and then said per customers contract. I said why were they closed and she kept insisting she doesn't know and will receive a letter. I ask to speak to a manager and she states they will say the same thing. She finally agrees to get me to a manager and all have left and one will call me back the following day which never happened. The representative then calms down and says that maybe she can get the accounts back under review and opened again but will take 24-48 hours. She asks me to upload the bank statement from my XXXX XXXX account that I transferred the funds from. I upload the documents as she asks and states to just wait now. I gain access again the next morning and then later that day the accounts are locked again and I totally lost access and the app and website state no accounts exist. We now receive his debit card in USPS mail. I call XXXX again and ask why I've lost access because we now have all debit cards and checks. They state the accounts are all closed. I asked why and they still could not give me an answer and they will submit a review. The next day I call again to check on the status and nothing progressed. The next day I call again and still not reviewed. I then am infuriated and tell them to close my accounts and return my money. They claim to check XXXX to find out why the accounts were closed. XXXX tells me the account is under review for a return for transferred funds and then it will take 3 to 5 business days to get returned after its approved. I check XXXX and there is nothing wrong and all it states is that I had opened and account with XXXX. I call again and still have not received my {$520.00} back into my XXXX account. It's still under review and my XXXX accounts will now overdraft because XXXX is holding my funds hostage.
|
Consumer Consent Provided |
Consent provided
|
|
140927
|
2012-08-23
|
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 |
2012-08-23
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2012-08-28
|
Consumer Consent Provided |
N/A
|
|
79387
|
2012-05-15
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Tags |
Older American
|
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 |
2012-05-15
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2012-05-16
|
Consumer Consent Provided |
N/A
|
|
57250
|
2012-04-12
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Tags |
Older American
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
No
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Home equity loan or line of credit
|
Date Received |
2012-04-12
|
Submitted Via |
Phone
|
Company Response |
Closed without relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2012-04-13
|
Consumer Consent Provided |
N/A
|
|
583034
|
2013-11-01
|
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 |
2013-11-01
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-11-05
|
Consumer Consent Provided |
N/A
|
|
32231
|
2012-03-05
|
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 |
2012-03-05
|
Submitted Via |
Referral
|
Company Response |
Closed without relief
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2012-04-02
|
Consumer Consent Provided |
N/A
|
|
512577
|
2013-09-02
|
Application, originator, mortgage broker
|
Mortgage
|
|
Issue |
Application, originator, mortgage broker
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Conventional adjustable mortgage (ARM)
|
Date Received |
2013-09-02
|
Submitted Via |
Web
|
Company Response |
Closed with monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-09-05
|
Consumer Consent Provided |
N/A
|
|
431976
|
2013-06-13
|
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 |
2013-06-13
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-06-14
|
Consumer Consent Provided |
N/A
|
|
390315
|
2013-04-24
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2013-04-24
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-04-25
|
Consumer Consent Provided |
N/A
|
|
215011
|
2012-12-20
|
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 |
2012-12-20
|
Submitted Via |
Referral
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2012-12-27
|
Consumer Consent Provided |
N/A
|
|
9340
|
2012-01-03
|
Settlement process and costs
|
Mortgage
|
|
Issue |
Settlement process and costs
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Conventional adjustable mortgage (ARM)
|
Date Received |
2012-01-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2012-08-21
|
Consumer Consent Provided |
N/A
|
|
125367
|
2012-07-27
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2012-07-27
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2012-08-21
|
Consumer Consent Provided |
N/A
|
|
9850501
|
2024-08-18
|
Managing an account
|
Checking or savings account
|
|
Tags |
Older American, Servicemember
|
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 |
2024-08-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-08-19
|
Complaint What Happened |
Made a wire transfer from XXXX XXXX XXXX from my savings account on XX/XX/24 i have XXXXaccounts the checking savings and brokerage which they authorized then the next day they froze all XXXX accounts before reaching out to me which they say was for unusual activity called on XX/XX/XXXX took along time to get through on hold for at least XXXX minutes talked to XXXX XXXX XXXX XXXX am he said call back at XXXX again on hold then spoke to XXXX XXXX on hold again finally talked to the security team they asked many questions i tried to tell them this and other transactions are legit i sent them i signed letter saying so then they wanted a trusted contact i gave them that then they wanted to speak to her then i contacted they security team and me and her spoke to them again on XX/XX/XXXX to no avail they are saying something like identity theft i keep trying to tell them this is not so im retired on social security and i have XXXX figures there and i need some of that money to make ends meet most of my life savings is there and they are causing me financial hardship im am so sorry i ever put my money there i have {$190000.00} there and cant do anything cant withdrawl cant buy stock or sell cant write checks
|
Consumer Consent Provided |
Consent provided
|
|
82378
|
2012-05-17
|
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 |
2012-05-17
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2012-05-29
|
Consumer Consent Provided |
N/A
|
|
529536
|
2013-09-16
|
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 |
2013-09-16
|
Submitted Via |
Referral
|
Company Response |
Closed with monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-09-18
|
Consumer Consent Provided |
N/A
|
|
371574
|
2013-04-02
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2013-04-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-04-04
|
Consumer Consent Provided |
N/A
|
|
641253
|
2013-12-20
|
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 |
2013-12-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-01-06
|
Consumer Consent Provided |
N/A
|
|
1890998
|
2016-04-21
|
Other
|
Mortgage
|
|
Issue |
Other
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Other mortgage
|
Date Received |
2016-04-21
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-04-26
|
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
|
|
1956114
|
2016-06-06
|
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 |
Other bank product/service
|
Date Received |
2016-06-06
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-06-08
|
Consumer Consent Provided |
N/A
|
|
1451589
|
2015-07-06
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
Issue |
Loan modification,collection,foreclosure
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2015-07-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-07-06
|
Company Public Response |
Company chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
9949138
|
2024-08-28
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
Tags |
Older American
|
Issue |
Problem with a lender or other company charging your account
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Checking or savings account
|
Sub Issue |
Transaction was not authorized
|
Sub Product |
Checking account
|
Date Received |
2024-08-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-08-28
|
Complaint What Happened |
On XX/XX/year> a wire transfer was made out of my account to an individual I do not know to a bank Im not familiar with and I did not authorize. I tried to get information from E*trade customer service who would not put me through to a manager and told me my money would not be refunded, total of {$1500.00}. Said they would put in a request for manager to call - to this date almost 2 months later, no call. I did not authorize this transaction and E*Trade is further victimizing the victim. Their website states they refund unauthorized transactions, apparently they engage in false advertising as well.
The only action theyve taken was to close that account and open another.
Ive filed a complaint with XXXX who informed me they contacted E*trade three times and received no response.
|
Consumer Consent Provided |
Consent provided
|
|
1592062
|
2015-10-05
|
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 |
2015-10-05
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2015-10-09
|
Company Public Response |
Company chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
463586
|
2013-07-22
|
Application, originator, mortgage broker
|
Mortgage
|
|
Tags |
Older American
|
Issue |
Application, originator, mortgage broker
|
Timely |
Yes
|
Company |
MORGAN STANLEY & CO. LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2013-07-22
|
Submitted Via |
Web
|
Company Response |
Closed with monetary relief
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2013-07-24
|
Consumer Consent Provided |
N/A
|
|