Charles Schwab & Company

Complaint: [redacted] I am rejecting this response because: Surprisingly you reopened this case that was closed on 2016-05-OK, you cite a letter from the company that just reiterates their known irrelevant statementsFact is that their online roll-over mechanism admittedly had a dangerous user-interface flaw that I fell prey toMeanwhile I could compute that the company owes me [redacted] shares because of thatOf all other entities that I complained to, eventually FINRA showed some interest, telling me to build a caseWhat case? You bet the company's adhesion contract dictates Binding ArbitrationWhile studying the background, I came across statements about this kind of "customer service", eg"The arbitration system in this country is broken: No oversight, limited discovery, no effective appeal process, expensive and unfair." This outlook didn't motivate me so far to fight the capitalistic arroganceRather, I've been hoping for a miracle or kind of political way outIt didn't happen yet and appears to turn even less likely since 2016-11-Take it as just a lesson for individuals reading this - do your business elsewhere!Sincerely, [redacted] ***

Reply for BBB Complaint ID # [redacted] The retirement plan client contacted Schwab’s Retirement Plan Services on March 16, 2018 and resolved the matter. The requested transfer took place on March 19, 2018. The reason for the additional client call on March 16 was to obtain the mailing address... for the receiving firm, which was not entered in its entirety on the original form. Thank you for taking the time to allow us to address your concerns. Please contact me with any questions at [redacted] between the hours of 7:30 AM and 4:30 PM Central or you can email me at [redacted] . Sincerely, [redacted] Manager - Operations Control | Business Trust Administration

I am writing in response to the concerns noted in the Revdex.com consumer complaint ID [redacted] Thank you for relaying the participant’sconcerns to Schwab The person that submitted the complaint to the Revdex.com is not an owner or authorized to act on the Schwab Bank account involving the dispute The dispute was fully resolved with the account owner You may reach me at [redacted] , extension [redacted] Monday through Friday between the hours of 8:AM and 5:PM Pacific Time Sincerely, [redacted]

I am writing in response to consumer complaint # [redacted] from our client, [redacted] ***, which was filed with the Revdex.com on 4/22/ We were in direct communication with Mr [redacted] at that time and addressed his concerns to his satisfaction on April 25th of I can be reached at [redacted] extension [redacted] between the hours of 9:AM and 5:PM Eastern or; you can email me at [redacted] if you have additional questions Sincerely, [redacted] Resolution Manager | Client Advocacy Team

Initial Business Response / [redacted] (1000, 7, 2015/10/12) */ 10/09/ Dear Mr [redacted] , Per our Account Agreement, we have made a business decision to not extend to Mr [redacted] the debit card and check writing account featuresI reviewed multiple phone interactions based on his allegations and was unable to find a call where incorrect information was given to Mr [redacted] I have discussed this with Mr [redacted] and he indicated his acceptance Sincerely, [redacted] Resolution Manager Client Advocacy Team Charles Schwab & Co., Inc XXX-XXX-XXXX (c) Charles Schwab & Co., Incmember SIPC

The following is our resolution for Revdex.com COMPLAINT ID # [redacted] Thank you for taking the time to contact us with your concerns and for allowing Charles Schwab to serve your investment needsI can be reached at [redacted] extension [redacted] between the hours of 11:AM and 7:PM Eastern or; you can email me at [redacted] Schwab responded to Ms [redacted] on 04/20/apologizing for the poor experience she has had with her new accountSchwab offered to cover her overdraft fees and a small cash award for the inconvenience which she acceptedMs [redacted] confirmed that her accounts are in working order, and mentioned that each time there had been a problem Schwab made a valiant attempt to fix it

Initial Business Response / [redacted] (1000, 5, 2015/09/09) */ Contact Name and Title: [redacted] Manager Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @schwab.com I have contacted Mr [redacted] today to address the concerns expressed in the above referenced complaintI agreed to issue a credit for $to his account as previously promised and apologized to Mr [redacted] for the delay in processing this credit Should there be additional questions, I can be reached at X-XXX-XXX-xxxx extension XXXXX between the hours of 10:00AM and 5:PM Eastern; or, you can email me at [redacted] @schwab.com Sincerely, [redacted] Resolution Manager Client Advocacy Team [redacted] St Mail S [redacted] XXXXX Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/09/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) I appreciated [redacted] rapid resolution of my complaint

March 28, Dear [redacted] *, Schwab could not find a previous complaint regarding this personWe could also not find where he is a Schwab clientHe was contacted via email and responded with “Which concern?”

Initial Business Response / [redacted] (1000, 5, 2015/08/31) */ Contact Name and Title: [redacted] Mgr Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @schwab.com 8/28/ Dear Ms***, I am responding to your email dated 8/28/regarding the above mentioned Revdex.com case Schwab made a business decision not to maintain Mr***'s accountSchwab is empowered by The Schwab Account Agreement to terminate any and all service at any time Thank you for taking the time to contact us with your concerns and for allowing Charles Schwab & Co., to serve your investment needsI can be reached at X-XXX-XXX-XXXX extension XXXXX between the hours of 9:AM and 5:PM Eastern or; you can email me at [redacted] @schwab.com Sincerely, [redacted] Resolution Manager Client Advocacy Team Tel XXX XXX XXXX Fax XXX XXX XXXX [redacted] XXXXX Charles Schwab & Co., Inc NOTICE: All email sent to or from the Charles Schwab corporate email system is subject to archiving, monitoring and/or review by Schwab personnel (c) Charles Schwab & Co., Incmember SIPC

January 27, Dear Mr [redacted] In this case our client contacted Schwab Retirement Plan Services after filing this complaint and was able to make two withdrawals from the accountNo further contact has taken place and Schwab considers the matter resolved Thank you for taking the time to contact us with your concerns and for allowing Charles Schwab to serve your investment needsI can be reached at [redacted] extension [redacted] between the hours of 10:AM and 6:PM Eastern or; you can email me at [redacted] @schwab.com Sincerely, [redacted] Resolution Manager | Client Advocacy Team