Morgan Stanley

? I am rejecting this response because:I think a real person should be notified of something like thisNot some voicemail leftThey should try a few times to contact homeownersI can't even check my voicemail at the moment so that fancy voicemail I did not get warning through thatThey spoke to someone when they told us they cutting into my very old tree taking limbs offWhich I do not agree with at allAnd its my tree on my land-seems like it should be able to grow as it should and not be chopped upApparently they can just cut into anyone trees on their landPrivate property that you own does not even matter when the big wig rich people have an agendaI say move your fancy poles somewhere away from treeMy trees been here since probably before electric was even around!! And If I wanted my tree cut into I'd log it myselfIt is what it isKids got better and over their sickness, and big companies like this don't care anywaysThey cut into land, trees, dig up mud all over in the big trucks, make people's travel so hectic and all because factories need extra voltageNext time since it's factories that are the reason for all this, next time shut down power when kids at school middle of the day so the sun might help keep little warmer, and kids be at school, most adults at work, and us working hard people don't suffer for rich ones movements that will continue and continueThe timing was horribleA warning wouldn't have probably did too much besides over heat house right before but that long of a time it would have still dropped way to cold for children!!? Can't wait for the land clearing and all the destroying that's being done is over withI did not expect anything to be done about this anyhowJust use common sense when doing this stuffIt's February , in northern Indiana, we all know how weather will be, and we all know kids will be home on a Saturday nightWe do know kids do go to school Monday thru Friday 8am to 3pm that's when it should have been doneThank you anyway Revdex.com!!!?

Initial Business Response / [redacted] (1000, 23, 2016/07/28) */ Our site restoration work is completed NIPSCO and our contractor, have made every attempt to satisfy this customer Initial Consumer Rebuttal / [redacted] (3000, 25, 2016/07/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not been satisfied There are still pavers and a tree staked There is still a need to replant two bushes I have either been given the runaround or unannounced visits made to my home Visits made by NIPSCO made and work still not completed Notified NIPSCO several times and asked simplynot for a final visit but for work on list completed NIPSCO telephone inquires with me have only been to confirm work already completed such as the removal of tree limbs Other garden restoration hasn't occurred Final Consumer Response / [redacted] (4200, 33, 2016/08/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) The case is not closed I asked for the work to be completed as requested several times when called At no time did the NIPSCO person state that a meeting was to be held as a result of my complaint to Revdex.com I figure this was the same runaround that I had been givenI did then and do now want the incomplete work completedI felt another inspection wasn't needed since several inspections had been made The last one was several days before the gutters were repaired Still needed to be done are the replacement and realigning of pavers on my garden walk way, replacement of pavers at garden entrance that ware broken during the repair work on May 25, replanting of a forsythia bush that is in wrong place, propping up of a tree that is shading one of my gardens In addition, I notice while working in my yard a tree trunk that was left in a precarious position above garden The work completed so far is more that satisfactory It just needs completing Final Business Response / [redacted] (4000, 35, 2016/08/23) */ NIPSCO's site restoration is complete at this location We are sorry to hear that Ms [redacted] is not in agreement with our findings

Initial Business Response / [redacted] (1000, 5, 2016/02/17) */ The last payment we received on this account was $on 08/04/which left a credit balance on the account of $The account was read and billed again and a payment was due on 09/06/Since payment was not received a reminder of past due was issued on the statement dated 09/21/Disconnection Warnings were issued on 10/20/15, 11/06/15, and 12/18/for past due balancesSince no payment or contact was received from the customer the electric service was shut off for nonpayment on 01/07/We then found jumpers in the meter box and we removed the electric meter on 02/10/A statement was issued in the amount of $1,on 02/16/(which included unauthorized usage charges)We received a payment in the amount of $on 02/16/which leaves a utility account balance owing of $ OFFER:

? I am rejecting this response because: I already replied, this is unacceptableTheir response was a complete copy/paste from the original script someone sent, perhaps a robot.?

Revdex.com- [redacted] K StNW, 10" Floor Washington Dc 20005-April 18, ID- [redacted] Jenkins performed work on the ***'s residence and finished up the last item which was flooring work on March 11th at 3:pmOur flooring vender who has worked for us for about 8+ years had secured the property and did not notice any new leak developing at that time, Our scope of work was for painting of the walls and new flooring on the main level and painting, drywall repair, and carpet in the basementAll work was done on March 11", including the baseboard painting, but we had offered a paint touch up after the floor was installed which would have been a punch list itemWe received a call from the ***'s late Saturday, March 12", but we missed the call since it was around 9:pmThe ***'s said that water was flowing from the bathroom upstairs and they assumed we were responsibleWe spoke to our flooring vendor and he affirmed that they locked the front door when he left and that no one was upstairs at any point during the duration of the workWe returned the call on Sunday and suggested that they file a new insurance claim and we would be able to assist with the workThe homeowner did not want to file a new claim and went ahead and hired a plumber to fix the toilet and another mitigation contractor to dry out the houseWe tried to schedule a walk through to resolve this matter with a Jenkins manager but were unable to schedule anything for about days due to the homeowners very limited scheduleThe homeowner did not seem in a hurry to meet with us at that timeWhen we arrived we went over the plumbers invoiceIt clearly stated that the toilet failed due to a faulty internal part and needed some deficient parts to be fixed/replaced (see attached)It did not implicate blame on any person, In good faith, we offered to complete the repairs (about $worth) at no cost to the homeowner because we want our customers to be happy regardless of fault but he declined this offerHe has since asked that we cover the contents damage, mitigation service and repairs which is approximately $We do not feel that this is fair or reasonable since there is no indication that we caused the upstairs toilet to fail or even went upstairs at allWe do feel bad that the homeowner sustained this loss but feel that it is coincidental that it happened shortly after we had worked thereThe homeowner had previously mentioned to our flooring vendor that they have had a lot of issues with the house while they have lived thereHowever, we are still actively working to resolve this matter withX and hope to reach an amicable solution.Andrew K Sterling Branch ManagerShaw RdSterling, Va P: ###-###-#### F ###-###-#### Baltimore, MD Charlotte, NC - Fredericksburg, VARichmond, VARockville, MD Sterling, VAVirginia Beach, VA

Initial Business Response / [redacted] (1000, 6, 2017/01/27) */ I have been made aware of this by [redacted] and I'm am working on this in the interest of customer satisfaction Will update when I receive further info Initial Consumer Rebuttal / [redacted] (2000, 8, 2017/01/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) Yes I believe the Macdonald auto group are doing their best dealing with a warranty company that won't honour their documented warranties that are purchased but I would also like the Macdonald auto group who sold the extended warranty on behalf of First Canadian protection plans to question and investigate the company and product they are promoting to sell to the Macdonald auto group customers on their behalf to make sure they are going to honour their sales and commitment of warranty to their customers Final Consumer Response / [redacted] (4200, 24, 2017/02/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Well I don't know where this business is getting their information cause the vehicle is being prepared for taxi and to this day is not used or licensed as a taxi so as far as I'm concerned this business which one representative signed this bruchure confirming what was covered which I did supply a copy to is just trying to make excuses as to why they won't honour what they are selling after they take people's moneyAnd as far as the wear and tear items not being covered this business WANTED to do all the work which they did do some which was covered and it was from wear and tear but they didn't complain about that partThey did replace some LINKS and BUSHINGS that this warranty company did honour Final Business Response / [redacted] (4000, 22, 2017/02/21) */ The contract clearly states wear and tear items are strictly not coveredI went to bat for this customer anyway and in the interest of customer satisfaction got the warranty company " [redacted] " to cover $ [redacted] of this claim which is Not justified In the interim I find out through our business manager that this unit is now a TAXI and in the contract it clearly states that if a unit is being used as a Taxi it voids the warranty completely In other words the customer clearly should had taken the good will offerBecause TAXI's are clearly not covered under warrantyThe customer should also had come forward and told us he drives a taxi I consider this case closed on our end unless the customer brings new information forward

Initial Business Response / [redacted] (1000, 5, 2017/05/23) */ While reviewing this issue for our customer, we found a breakdown between the transportation team and the call center for ARCA (Appliance Recycling Centers of America)The appliance was picked up on 05/12/We have been notified by ARCA that re-training will be taking place to prevent this issue in the future

Initial Business Response / [redacted] (1000, 5, 2016/02/08) */ Contact Name and Title: Karen [redacted] - CCA On 02/03/our DSM Department left a voicemail message for Mr [redacted] He will be getting his rebateWe have been advising our customers, "Due to the overwhelming positive response we had to our Energy Efficiency rebate program, NIPSCO is asking for your patience while we properly process all qualifying applicationsIf you sent in a application, please be advised that as long as your measure meets all qualifying standards and your application is approved, you will receive your rebate by no later than the end of March." OFFER: Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)

As stated before, the company was first notified of this grade on 9/18/Grade leaks do not pose any danger to the customerRegulations state that the utility company has a specific amount of months to repair a grade leak to remain within complianceBased on compliance guidelines, we have until 12/18/to make repairsThe customer was notified and updated on the status of this leak in regards to repairsThe customer is also in direct contact with the company's [redacted] g Leader regarding the status of this projectThey have exchanged direct contact information at this time

I am following up on your July 6th letter to Morgan Stanley requesting our response to [redacted] 's complaint in the above referenced matterUnfortunately, we are prohibited by Securities and Exchange Commission Regulation S-P and Morgan Stanley Smith Barney's internal policies from disclosing non public customer information to non affiliated third parties, including the Revdex.comThis prohibition extends to any description of the customer complaint or its response, because any meaningful discussion of the complaint would generally require the disclosure of personal information about the customer, his or her finances, and investment objectivesPlease note that the firm will respond directly to Ms [redacted] regarding her concernsShould you have questions regarding the above, please feel free to contact me at [redacted]

Initial Business Response / [redacted] (1000, 5, 2016/02/08) */ Contact Name and Title: Karen [redacted] - CCA On 02/03/our DSM Department left a voicemail message for Mr [redacted] He will be getting his rebate We have been advising our customers, "Due to the overwhelming positive response we had to our Energy Efficiency rebate program, NIPSCO is asking for your patience while we properly process all qualifying applications If you sent in a application, please be advised that as long as your measure meets all qualifying standards and your application is approved, you will receive your rebate by no later than the end of March." OFFER: Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 9, 2015/11/04) */ Contact Name and Title: K [redacted] - CCA The majority of the outages over the past three years for this location have been tree relatedThis circuit is scheduled to be trimmed the week of 11/09/ OFFER: Initial Consumer Rebuttal (The consumer indicated he/she DID NOT accept the response from the business.) No I do not except their responseIt is not my fault that the utility company did not keep up with the tree trimming so we did not experience the power outagesIt does not change the fact that I had to purchase a generator to keep my sump pumps running , or having to pay for a meter upgrade to supply the proper amount of gas to the generator unit.Sounds like Nipsco does not want to assume and responsibility for the power outages

For the account in question on 1/15/the customer established a payment arrangement with our company by utilizing our Web Self Service option and did not speak with a live representative to do soIn order to establish a payment arrangement via the Web Self Service option, the automated system provides a script that informs the customer of all terms and conditions including that all payment arrangement payments and monthly utility bill payments must post by their respective due date in order to avoid default of the arrangement The terms also advise the customer that in the event that the payment arrangement defaults, the service will be disconnected and the requirements to restore services will include the bill paid to current as well as possible reconnection and upfront deposit feesThese terms must be agreed upon prior to establishing the arrangement via the automated system The terms of the agreement are also sent to the customer in writing and listed on the monthly bill in an itemized form including due dates of payments for the monthly bill and the payment arrangement payments for that monthFor the duration of the payment arrangement established on 1/15/on this specific account, all payments including the monthly bill were posted to the account past the due dates causing the agreement to default and the services to be disconnected on 3/19/As agreed upon by the customer during the activation of the agreement on 1/15/18, the past due balance and deposit fees were part of the terms and conditions to reconnect the services of a defaulted payment arrangement As a one-time judgement, the customer was allowed to make a separate payment arrangement on the deposit that is typically due upfront before services are reconnected The customer agreed to this one time judgement and services were reconnect as promised

Initial Business Response / [redacted] (1000, 6, 2016/06/07) */ Mr [redacted] filed this issue with the Indiana Utility Regulatory Commission (IURC) We will be handling this issue through them

Initial Business Response / [redacted] (1000, 5, 2017/05/23) */ While reviewing this issue for our customer, we found a breakdown between the transportation team and the call center for ARCA (Appliance Recycling Centers of America) The appliance was picked up on 05/12/ We have been notified by ARCA that re-training will be taking place to prevent this issue in the future

Initial Business Response / [redacted] (1000, 5, 2015/08/26) */ Contact Name and Title: [redacted] A disconnect notice was sent on 8/4/to Ms [redacted] advising service would be disconnected for her past due balanceOn 8/6/her monthly bill was mailed also indicating her past due needed to be paid immediatelyIn order for service to be restored she does need to pay the past due, reconnect charges, and depositOnce the payment is made she must call with her receipt and service will be restored for the next business day Her deposit is to secure her service and will not be refundedIf she is no longer requesting service, it will be applied towards her outstanding billHowever, when she ready to re-establish service a new deposit may be required for her order OFFER:

Initial Business Response /* (1000, 5, 2016/10/17) */
*** was advised on 10/10/that we would accept a credit card paymentWe have since received a payment on the account made by credit cardHer shut off for non-payment has been cancelled
We apologize for any confusion
Initial
Consumer Rebuttal /* (2000, 7, 2016/10/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/08/21) */
Contact Name and Title: Karen *** - CCA
Our records show an outage took place on 02/01/which was caused due to a major storm We show and outage took place on 04/25/due to a failed insulator in our substation which we have corrected
We show another outage on 08/16/in which we lost an entire circuit At this time we are still investigating the cause of this outage
Mr***'s outages were all of an independent nature
NIPSCO's goal has always been and will always be to provide safe and reliable services to our customers
OFFER:

The customer signed up for a payment arrangement via Web Self Service and was advised of the terms and conditions. As a one-time judgement, the company went outside of company guidelines and allowed the deposit for this customer to be paid in payments as opposed to paying the deposit upfront in full prior to service restorationThe customer’s services were restored based on this one time exception to company guidelines that the customer agreed upon

As stated before, the company was first notified of this grade on 9/18/Grade leaks do not pose any danger to the customerRegulations state that the utility company has a specific amount of months to repair a grade leak to remain within complianceBased on compliance guidelines, we have until 12/18/to make repairsThe customer was notified and updated on the status of this leak in regards to repairsThe customer is also in direct contact with the company's *** ***g Leader regarding the status of this projectThey have exchanged direct contact information at this time