Morgan Stanley

I am rejecting this response because: I was called Monday morning by a NIPSCO worker that said that is important and will be getting fix or repaired Monday. But I think they are liars and don't care about the safety of children leaving at this resident. I want help with this matter or I want a law suit started. I can report them to the news about the caring of customers who pay their bills on time.

Initial Business Response /* (1000, 5, 2016/02/17) */
The last payment we received on this account was $150.00 on 08/04/15 which left a credit balance on the account of $11.34. The account was read and billed again and a payment was due on 09/06/15. Since payment was not received a reminder of...

past due was issued on the statement dated 09/21/15. Disconnection Warnings were issued on 10/20/15, 11/06/15, and 12/18/15 for past due balances. Since no payment or contact was received from the customer the electric service was shut off for nonpayment on 01/07/16. We then found jumpers in the meter box and we removed the electric meter on 02/10/16. A statement was issued in the amount of $1,290.25 on 02/16/16 (which included unauthorized usage charges). We received a payment in the amount of $400.00 on 02/16/16 which leaves a utility account balance owing of $890.25.
OFFER:

Initial Business Response /* (1000, 5, 2016/02/08) */
Contact Name and Title: Karen [redacted] - CCA
On 02/03/16 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...

2015 Energy Efficiency rebate program, NIPSCO is asking for your patience while we properly process all qualifying applications. If you sent in a 2015 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 /* (2000, 7, 2016/02/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2016/06/03) */
Our records show that when service was placed under Mr. [redacted]'s name at this location, a deposit was not required. Mr. [redacted] had an account balance due of [redacted] on 02/07/15. We received a payment in the amount of [redacted] on 02/09/15. The...

electric service at this location was shut off for non-payment on 03/17/15. To have the service restored Mr. [redacted] was quoted his past due charges, a reconnection fee, and a deposit in the amount of [redacted] Deposits are automatically refunded when the utility account has been paid on time in full for 9 consecutive months, or if the utility has been paid on time 10 times in a twelve month period without consecutive late payments. Mr. [redacted]'s deposit is scheduled to be refunded on 01/30/17 if his account is paid in full every month by the due date.

For the account in question on 1/15/18 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 so. In 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 fees. These 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 month. For the duration of the payment arrangement established on 1/15/18 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 3/19/2018. 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 /* (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 related. This circuit is scheduled to be trimmed the week of 11/09/15.
OFFER:
Initial Consumer Rebuttal /*...

(3000, 11, 2015/11/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No I do not except their response. It is not my fault that the utility company did not keep up with the tree trimming so we did not experience the power outages. It 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

Initial Business Response /* (1000, 5, 2016/06/30) */
A disconnection notice was sent out to [redacted] on 6/8/16. The notice states NIPSCO must be in receipt of [redacted] by 6/24/16 in order to avoid disconnection.
NIPSCO was not in receipt of [redacted] by 6/24/16 and electric service was...

disconnected for non-payment on 6/27/16.
All Customers that are disconnected for non-payment must pay the total past due balance on the account, a reconnection fee, and a deposit.
A judgment was made on Mr. [redacted] behalf and we accepted a partial upfront payment for the deposit and an agreement was made for the remaining balance.
All calls between NIPSCO and Mr. [redacted] on 6/27/16 will be reviewed by Management.
Initial Consumer Rebuttal /* (3000, 7, 2016/07/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No notices were received. Do we have proof of delivery for the letter / message sent to the serviced address? I understand the requirements for payments when services are disconnected; I'm disputing the fact that no notices were received. If you can prove that a notice was received (I.e. USPS certified mail confirmation), we will settle.
Final Consumer Response /* (4200, 11, 2016/07/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Unfortunately no letter was received. I understand it may not have been sent back, but it was not received - it could have been lost in the mail.
I'm still pursuing a refund for The deposit. I am not disputing the [redacted] reconnection fee, I'm willing to settle. If we can't come to a resolution I will pursue the full balance.
Please, I am willing to work with you.
Thanks
Final Business Response /* (4000, 9, 2016/07/05) */
A disconnection notice was sent to the service address and we show no returned mail for this Customer. Our disconnection notices are not sent through certified mail.

Initial Business Response /* (1000, 5, 2015/07/16) */
Contact Name and Title: Adriana [redacted]
Contact Email: [redacted]@nisource.com
We are pulling the application for review and are contacting CLEAResult to have them pull this application and re-process it.
OFFER:
Initial Consumer Rebuttal...

/* (3000, 7, 2015/07/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept their response. The response does not give me payment of air conditioning (rebate available for customers with electric service) $200. Asking CLEAResult to pull the application and re-process it does not tell me what will happen. It certainly does not tell me I will receive the $200 rebate to which I believe I am entitled. The question is still unanswered and the offer of the rebate has not been honored.
Since this was my desired resolution, I do not accept this response.
One definition of insanity is doing the same thing
over again and expecting different results. This does not give me much hope, and I believe NIPSCO's
Energy Efficiency Program is not being fair to me.
Final Business Response /* (4000, 9, 2015/07/23) */
Contact Name and Title: [redacted]
CLEAResult will re-open and process the rebate for payment.
OFFER:
Final Consumer Response /* (2000, 15, 2015/08/11) */
I am very pleased to report I have received from NIPSCO the rebate check in the amount of $200 for installation of high efficiency equipment. I do accept this response and consider the response satisfactory.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:They are continuing to lie and misrepresent the facts. They were to inform me when walk through's were ready so that I could inspect their work. They never did. In fact, they did such poor work and tried to pas it off as complete that renters refused to move in because the kitchen remained a mess/had been done poorly and was not complete. I asked Chris why did he have me inspect the kitchen when it wasn't done. His response: "we work with third party contractors and I'm not able to get to each site to complete an inspection. I assume the work is complete if the third party contractor says so."He also refused to meet me on other days because HE wouldn't be in the area. Unbelievable. Not to mention, the dishwasher was put back improperly, jammed into the space (due to improper measurement fittings) which causing the dishwasher water hoses to leak.  Also, it was obviously installed crooked but yet they did nothing. When I asked them to correct this, their response:Our work isn't guaranteed because you still owe a co-pay. But yet they've been paid over $17,000 already.  Again, unbelievable.  And if they were as reputable as they say, all of this wouldn't have occurred and they certainly wouldn't have responded to my concerns in this dismissive and incompetent way.  
Regards,
[redacted]

Initial Business Response /* (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 05/12/17. We have been notified by ARCA...

that re-training will be taking place to prevent this issue in the future.

Initial Business Response /* (1000, 5, 2015/08/26) */
Contact Name and Title: [redacted]
A disconnect notice was sent on 8/4/15 to Ms. [redacted] advising service would be disconnected for her past due balance. On 8/6/15 her monthly bill was mailed also indicating her past due needed to be paid...

immediately. In order for service to be restored she does need to pay the past due, reconnect charges, and deposit. Once 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 refunded. If she is no longer requesting service, it will be applied towards her outstanding bill. However, when she ready to re-establish service a new deposit may be required for her order.
OFFER:

Initial Business Response /* (1000, 5, 2017/06/06) */
Contact Name and Title: [redacted]
Contact Phone: [redacted]
Contact Email: [redacted]
Hi
I handle customer complaints for all of our locations.
Sorry for getting back to you so late. As I was out of the country for the...

last 18 days.
Really we don't have this type of complaint at [redacted] and with [redacted]. But there is always a first.
That being said can you supply the name and phone number of her friend that says she didn't pay anything ?
I would like to look into that first before responding.
After I investigate I would like to set up an spointmrbt to meet with this customer in my office at [redacted] in [redacted] but will need the name first.
Thank you.
Initial Consumer Rebuttal /* (3000, 7, 2017/06/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I feel very uncomfortable supplying a name. They bought a new [redacted] at [redacted] and financed it two weeks ago. They dealt with [redacted] and had no surprises after their purchase. Their salesman was [redacted] who is who I dealt with as well. I warned them about the extra charge and they told me they did not pay it so wny did I pay it and more imporantly why did I find out after the sale. That should just never happen.
Final Business Response /* (4000, 17, 2017/06/13) */
[redacted] has been trying to contact the customer with no luck!
Could you ask the customer to call [redacted] and ask for [redacted]?
Thank you!
Final Consumer Response /* (4200, 19, 2017/06/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No one has been trying to contact me. Why would you send your customer back to where they started. In the future please be upfront with your customers about the fees that you charge. Let them know that on top of a $[redacted] admin fee that there is another $[redacted] fee.
Please ask this business to not contact me any further.

Initial Business Response /* (1000, 6, 2017/03/08) */
A Damage Claim has been filed for this Customer and that process will be followed through to address this Customers issue. Thank You.

I am following up on your July 6th 2017 letter to Morgan Stanley requesting our response to [redacted]'s complaint in the above referenced matter. Unfortunately, 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.com. This 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 objectives. Please note that the firm will respond directly to Ms. [redacted] regarding her concerns. Should you have questions regarding the above, please feel free to contact me at [redacted]

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Dear [redacted], I write in response to your July ** and July **, 2016 letters...

requesting a response to [redacted] in the above-referenced matter as well as our August *, 2016 telephone conversation. Unfortunately, we are prohibited by Securities and Exchange Commission Regulation S-P and Morgan Stanley’s internal policies from disclosing non-public customer information to nonaffiliated third parties, including the Revdex.com. This 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 objectives. Please note that we have mailed our response directly to [redacted] this date. Should you have questions regarding the above, please feel free to contact me at ###-###-####. Very truly yours, Ken J[redacted] EDR Group Legal and Compliance Division

Revdex.com:At this time, I have not been contacted by Morgan Stanley regarding complaint ID [redacted].  They did send me a form letter indicating they had forwarded the complaint to a location in Utah but they have not provided any meaningful information about the...

complaint.Sincerely,
[redacted]

Review: Morgan Stanley cashed a U.S.Treasury and without my knowledge that belonged to me and my wife. They claim we did not notify them of our move from a home we used to reside some 16-17 years ago. This is a false accusation. We did indeed send a notice of change of address to the U.S.Postal Service upon our moving from our old address.All other bills,statements,correspondence has been forward to us,just not Morgan Stanley statements. They are claiming they have the right to cash our bond. We had to pay the taxes in the sum of$222.00 to the I.R.S. We are demanding they pay us our money as soon as possible. I am a five time [redacted] patient [redacted],unable to work for some five years now. We have only one paycheck coming in and are presently in danger of foreclosure on our home. We find that this practice by Morgan .Stanley is unconscionable. Please help us,thank you. [redacted] and [redacted]

Morgan Stanley cashed a bond without my knowledge in the sum of $857.21. We had to pay the I.R.S. $222.00 in taxes for this bond we never saw money from. They claim we did not notify them of a change of address,fees accumulated,they cashed the bond to pay the fees. We notified the U.S.Postal Service of our change of address some 16-17 years ago. We find their reasons to be a unconscionable practice. We demand full payment of our monies. We also request they wave all fees associated with this account.

Desired SettlemenWe would like them to expedite this matter as soon as possible. My wife is the only source of income in our home. I am a five time open heart surgery patient who is on disability now for some four to five years and am unable to work. We need every penny we get. Our home is in danger of foreclosure as it stands today. Your assistance in this urgent matter is much appreciated,thank you. [redacted] & [redacted]

Desired Settlement: Refund-Check

Desired Settlement: Immediate reimbursement of $857.21. Waiver of all fees.

Business

Response:

Dear [redacted]:

This letter is in response to your recent complaints sent to the Revdex.com (Revdex.com) and the U.S. Securities and Exchange Commission (SEC) that were subsequently forwarded to Morgan Stanley.In those communications, you expressed concern with fees assessed to your account and that your US Treasury Bond was sold to offset a debit balance that had accrued. You also expressed concern that your address was not updated for your Morgan Stanley account, [redacted], and that you were not receiving statements for some time. The appropriate parties within Morgan Stanley have reviewed this matter, and their conclusion is presented below. Thank you for your patience in awaiting this response.

In the brokerage industry, account fees are assessed to help cover the costs of services provided by the brokerage firm. As a part of our normal course of business, and as an essential source of funding for our services, Morgan Stanley assesses these fees. In order to notify clients of the fees to which their accounts are subject, Morgan Stanley discloses our fee policies through informational brochures. In addition, fees are reported on your account statements as they are assessed.

It is your responsibility to notify Morgan Stanley directly if your contact information changes or if you do not receive account statements for any reason. Providing notification to the United States Postal Service of a change of address is not sufficient to update our Firm’s records. It is also your responsibility as a client to review your account statements and the informational brochures included with those statements and to promptly contact our Firm regarding any entries you question. By providing you with regular account statements and copies of our published fee schedule, we consider you duly notified of the status of your account and our fee policies. We respectfully deny your request for reimbursement of fees that were assessed to your account.

The fees assessed to your account were in accordance with our fee schedule. When sufficient cash did not exist in the account to cover the assessment of fees, a debit balance began to accrue. Per Morgan Stanley policy, on April **, 2011,

we resolved the debit balance by selling your US Treasury Bond ([redacted]). After that sale, your account’s

debit balance was reduced to $117.79, which was written off in the interest of customer service on April **, 2011, and your account was closed.

For your review, enclosed is a copy of your 2011 1099 Consolidated Tax Statement that was originally mailed on February *, 2012. Please

be advised that a client is responsible for any taxes incurred due to the sale of securities.

We regret the concern this matter may have caused. If you have further questions, please contact our Client Advisory Center at ###-###-####.

Business

Response:

Dear [redacted]:

This letter is in response to your recent complaint sent to the Revdex.com (Revdex.com) that was subsequently forwarded to Morgan Stanley.

In that communication, you revisited the issues raised in your previous correspondence to the Revdex.com and the U.S. Securities and Exchange Commission (SEC). You again expressed concern with fees assessed to your account, that your US Treasury Bond was sold to offset a debit balance that had accrued, and that your address on your account with us was not updated after you notified the United States Postal Service (USPS) of your address change. The appropriate parties within Morgan Stanley have again reviewed this matter, and their conclusion is presented below.

We have concluded that in your latest correspondence you have not raised any new issues. It is our determination that we adequately addressed

your concerns in our correspondence of September *, 2013. We again confirm that the fees assessed to your account were assessed in accordance with our published fee schedule, and that Morgan Stanley, with or without prior notification to clients, has the right to liquidate holdings in an account in order to satisfy a debit balance. It is your responsibility as a client to know the status of your account and to notify our Firm, not only the USPS, if your contact information changes.

Please be advised that this constitutes our Firm’s final response to this matter and a further review will not be warranted. We appreciate your past business and wish you success in your financial endeavors.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

As I have stated before,we are not satisfied with their reasons or response and plan to contact as many local media that will listen to our complaint. We refuse to lift this complaint and will continue to persue getting some type of resolvent from Morgan Stanley. Albeit they claim no responsibility to contact me they had other means to do so and made absolutely no attempt. Our personal contact information was given such as telephone numbers,email and new change of address from the United States Postal Service. If the Revdex.com wishes to close our file then we have no other recourse but to notify the metropolitan television channels both cable and national. We also plan on speaking with several newspapers on this matter. We would also like to thank you personally [redacted] for your kind understanding and guidance through all of this.

[redacted]and [redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: I currently have an IRA account with Morgan Stanley. During the summer of 2014 I requested a disbursement of funds from the IRA using a form provided by Morgan Stanley. Morgan Stanley requested additional information two additional times which I provided and accepted my request in mid-December 2014. I requested a disbursement of $6000.00 in 2014 and annually thereafter. A check (minus income tax) was received in Jan 2015 (for 2014 disbursement). I was waiting for a 2015 disbursement and expected it in Jan 2016. However on ** Jan 2016 I received a statement from Morgan Stanley that indicted that they had not sold any of my stock in 2015. I immediately called Morgan Stanley (tele ###-###-####) and asked why they hadn't sold any stock and provided me with a check as I had requested. I was told that although they could see my request for annual distribution and that my request was adequate for 2014 distribution it was not adequate for yearly distribution (despite the fact that I had indicated yearly distribution on the form) because they needed more information (even though I had provided all information they had requested from me). I asked why Morgan Stanley hadn't informed me that they weren't going to provide me an annual distribution and why they hadn't sent me a request to provide the additional information so I would get my distribution in 2015. I was told that Morgan Stanley was under no obligation to inform me that they were not going to provide my requested annual distribution or to identify the additional information I needed to provide to them to receive the annual distribution I had requested in 2014. I believe that Morgan Stanley deliberately failed in their Fiduciary requirements and probably committed a crime.Desired Settlement: Disbursement of annual funds indicated on my 2014 request based on the value of my account that existed on the date I requested disbursement; modifying my account to reflect the indicated 2015 disbursement; and taking all actions that allow me to indicate that the disbursement occurred in 2015 such that I can properly file my Federal Taxes without an IRA penalty.

Consumer

Response:

At this time, I have not been contacted by Morgan Stanley regarding complaint ID [redacted]. They did send me a form letter indicating they had forwarded the complaint to a location in Utah but they have not provided any meaningful information about the complaint.Sincerely,

I would like to warn potential investment customers of [redacted]'s main branch of Morgan Stanley Smith Barney about horrifyingly bad service, and in particular I want to warn about one of their [redacted] named [redacted]. In January, 2012, he arranged to transfer my several brokerage accounts from a different investment company. No sooner had he initiated the transfer that he informed me that he had heard adverse comments about my character from the staff of the other investment company and that consequently, MSSB would not accept my business. I asked again and again what he had heard. He said he not only had heard unspecified bad talk about me but he did not like my manner when I had visited him at his office. I asked him to specify what THAT was about and as far as I could determine, his problem is he doesn't like women who give him the impression of thinking their brains are as good as a man's brains. I had to find a new investment company at once, and it took over three months to get all my assets transferred out of MSSB, during which time--over three months--I had ZERO access to any of my life savings, and I could not pay my [redacted] obligation on time. Of course I made written complaints against this irresponsible, venal cockroach of a man to [redacted] and the [redacted] but that did not speed up the process of making my life savings accessible to me again. I say: you know you are dealing with a cockroach and a snake when a man uses the pretext of allegedly believing some gossip adverse to your character to assume the privilege of defecating on you. BTW, prospective investors should also know that [redacted] is such a craven coward that he responded to my written complaints by having his WOMAN assistant call me. He didn't have the courage to call me himself. I hung up on her! I say, investor beware!

Review: I have been trying to close my 2 Coverdell Education Savings Accounts with Morgan Stanley for the past year. I have called the offices 3 times in the past 6 months alone, and each time I am asked to Fax the official forms containing account and personal information. I have faxed these documents twice, first in January, and most recently on April **, 2013. These accounts are still active and Morgan Stanley has now been collecting fees for over a year. They claim they can not find the documents that I faxed containing my personal information and tell me that I can not claim my $488.51 with out the forms.Desired Settlement: DesiredSettlementID: Refund A check for the $488.51 of MY MONEY that they are holding.

Business

Response:

Dear [redacted]:

This letter is written in response to your complaint submitted to the Revdex.com of New York (NYRevdex.com) and forwarded to Morgan Stanley on July **, 2013. In that communication, you expressed concern regarding the length of time taken to close your children’s accounts. The appropriate parties within Morgan Stanley reviewed this matter, and we have presented their conclusion in this letter. Thank you for your patience in awaiting our response.

Morgan Stanley is committed to executing client requests accurately and promptly; we regret the inconvenience you experienced because the closure of your children’s accounts was not executed when you expected. We confirm that your children’s accounts were closed on July **, 2013. As a gesture of customer service, the fees assessed to each account during the last twelve months were reversed on July **, 2013. Accordingly, account XXX-XXX[redacted] was credited $195, and account XXX-XXX[redacted] was credited $50. Checks for these amounts will be sent to the address of record for the accounts.

We appreciate your past business, [redacted], and we wish you success in your future financial endeavors.

Sincerely,