Morgan Stanley & Co. LLC

In response to a promotional offer indicating a {$300.00} promotional bonus when making XXXX direct deposits of at least {$1500.00}, I opened a checking account and met the terms of the promotional offer. After completing the offer terms, the Bank locked my account and despite providing the requested ID and selfie holding the id to prove identity, the Bank closed my account claiming it was opened fraudulently in an unobjectable manner to forgo payout of the promotional {$300.00}

On XX/XX/XXXX, I opened a new premium savings account with Etrade because they were offering a cash bonus for depositing $ XXXX. The terms stated I needed to deposit qualifying funds within 30 days of account opening and maintain that balance for 45 days after the initial funding period. I fulfilled those terms and then started transferring funds to my XXXX XXXX account because the XXXX was decreased from 3.75 % to 3.35 %. Apparently those withdrawals were flagged as suspicious and my account was restricted. I called Etrade and a 3-way call was set up with the initial funding bank, XXXX XXXX XXXX XXXX Upon verifying my outside bank account and all the questions having been answered to their satisfaction, Etrade removed the account restriction. On XX/XX/XXXX, I received an email from Etrade that I would not be receiving the cash bonus. It didn't explain why.…

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ETRADE Morgan Stanley had a promotion for opening a new savings account from XX/XX/year> to XX/XX/year>. If you deposited {$75000.00} or more, you got {$750.00}. I opened a new account but never received the promotion. During the opening of the account there was no way to enter a promo code or verify that a promotion was applied to your account, so I had no way of verifying if my account had the promotional code applied. I assumed I would be paid eventually, but never received the promotion. I called them to try to get the bonus applied later on, and they said the promotion had expired and was never applied to the account, so I couldn't receive anything.

I called several times to follow up on a bonus {$750.00} for opening savings account with E-trade. Called on XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>. I never received any call back or update on when I will be getting the bonus, I should have received it around XXXX, they confirmed my eligibility. They said all calls are recorded. I asked that they send me an email or recording of the call or anything that indicates we had this conversation but they refuse.

I opened a new ETRADE ( Morgan Stanley Private Bank ) Premium Savings Account on XX/XX/year>, using the promotional code XXXX. To qualify, the promotion terms strictly require a deposit of at least {$20000.00} of qualifying new money within the first 30 days after account opening. Because of the bank 's continuous stalling tactics, bizarre document requests, and account restriction without specific reason, I am being prevented from meeting this deadline. Timeline of Events : XX/XX/year> : I opened the Premium Savings Account. After signing up for online access, I experienced an issue adding my phone number for receiving verification codes. I contacted support and submitted the requested Letter of Instruction via XXXX to activate my digital security device. XX/XX/year> : I received an automated email stating that certain account features were temporarily disabled due to " unusual activity ''.…

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Hello I originally deposited a check into an E * trade checking account on XX/XX/XXXX. I used the account and transferred money to a savings and brokerage account. The account was restricted and I was asked to verify my identity or get a hold harmless letter from the originator of the check. I provided several pieces of documentation that they requested but after several " selfies '' I had given up in frustration. After speaking to the company for well over a year I had decided that this was not an ok situation and I wanted my money out of this account. Then fast forward to XX/XX/XXXX and I am being told by E * trade that the funds had never cleared and there was only XXXX left in the account. So I know for a fact the check cleared because I used the funds and spoke with the originator of the check that informed me the money cleared on the XXXX of XX/XX/XXXX.…

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Summary of complaint I am filing this complaint because E * TRADE has repeatedly failed to properly handle my dispute for a transaction on XX/XX/year> for {$200.00} ( Mosaic ). I have called E * TRADE multiple times and spoken with customer service, including a representative named XXXX XXXX on XX/XX/year> at XXXX PM ; their support was unable to resolve the issue. I believe my consumer rights under applicable federal protections ( e.g., [ confirm : Fair Credit Reporting Act ( FCRA ) / Electronic Fund Transfer Act ( EFTA ) / Consumer Financial Protection laws/ Consumer FACTS Act please specify ] ) have not been respected. I request that XXXX XXXX be removed from handling my case and that E * TRADE properly investigate and resolve this dispute. Details of the problem - Dates/times attempted to contact company : Multiple calls including XX/XX/year> at XXXX PM.…

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An account was opened using my name and address at Morgan Stanley with out my permission or knowledge the account then tried to withdraw funds from my personal account at XXXX. I stopped that withdrawal and let chase know and tried twice to ask Morgan Stanley to cease and desist and to close the account that I did not open. They have not dealt with this or been responsive in any way.

I am filing a complaint against ETRADE for unfairly denying a promotional bonus that I qualified for. I opened/funded my ETRADE account as part of a promotional offer that promised a cash bonus upon meeting specific deposit and/or activity requirements. I carefully followed all the stated terms and conditions of the promotion, including maintaining the required balance and completing any necessary actions within the specified timeframe. However, ETRADE later placed a restriction on my account without any prior notice or clear explanation. After this restriction, they denied my eligibility for the promotional bonus, citing the restriction as the reason. This is unfair and misleading for the following reasons : - I was not informed in advance that my account was under review or at risk of restriction at all. No email or message as well as app notification to inform about restriction - I was not given an opportunity to resolve any alleged issue.…

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* I opened a new eTrade savings account and deposited money from two old, fully legal savings/ checkings accounts I've had open for over years. * They immediately froze all my funds and my account and won't give me any information as to why -- my eTrade account has been open with all my personally identifying information provided and they've frozen it for 'account identity verification purposes ' * They're now refusing to allow any transfers out -- they're holding over XXXX XXXXXXXX in funds hostage -- and refuse any transparency on where my file is in the review process. They initially told me to upload documents to a random portal that would be 'reviewed ' and said 2 business days, then it was 3, then I called on such days and was told " by end of week ''. Who even knows if they're saying the truth? * This has never happened to me at any other bank before, this is ridiculous.…

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I had unauthorized debit transactions on my bank account I called and filed a dispute on XX/XX/year> for amount around XXXX the person i talked to said she had gotten all the transactions i asked her if she was sure cus it was done way to fast she said yes i asked if she also re ordered teh debit cards she said yes and then said she filed the dispute and hung up it did not sit well with me i had a feeling it was not right so on XXXX i called to check on the dispute only to find out she only did a few transactions totaling XXXX so the person i talked to said they had filed a dispute for the transactions that was not done and said they ordered new debit cards that was supposedly ordered and never was I called back on XX/XX/year> to make sure it was done right and to see if the debit cards were ordered and again not all the transactions were disputed and still no debit cards orders and they assured me that is was all good the whole XXXX worth of unauthorized transactions were now being…

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* * Formal Complaint Regarding E * TRADE Account Restriction, Customer Treatment, and Possible Retaliatory Conduct * * To Whom It May Concern, I am submitting this complaint regarding the conduct of E * TRADE from Morgan Stanley in connection with the handling of funds deposited into my account and the subsequent treatment I received as a customer. My wife and I recently liquidated her 401 ( k ), and the proceeds were wired directly from XXXX into our E * TRADE account. The wire transfer cleared in approximately 24 hours. For roughly a week following the deposit, the funds were fully available and the account functioned normally. Without any notice or warning, E * TRADE then placed a security hold on our account. We were not informed in advance or even notified afterward. We only discovered the restriction when a payment was declined while attempting to make a purchase in a retail store, which was both unexpected and embarrassing.…

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I am writing to escalate an urgent financial issue regarding my account ( # XXXX ). Not only has E * TRADE restricted my access for 25 days, but the firm has also unilaterally initiated unauthorized ACH withdrawals against my linked bank account. These actions have forced my bank account into a negative balance, restricted my banking access, and caused me significant financial and credit damage. E * TRADEs decision to execute these withdrawals without my explicit authorization, combined with the continued withholding of my funds, constitutes a gross violation of financial regulations and professional standards. You have caused direct, documented harm to my financial reputation and personal life, as I rely on these accounts for my business operations.

My fianc and I have a joint checking account with eTrade ( Morgan Stanley ). My fianc is currently XXXX and after careful review of the circumstances the best option was for her to cash-in her XXXX with XXXX and XXXX XXXX and seek legal council. I have durable power of attorney over her finances and was thus able to handle this process for her. So we cashed in her XXXX and had XXXX wire the money directly into our joint eTrade checking account. The next day they released the funds and for a week allowed us to spend money. Then after a week had passed they suddenly placed a hold on our account and froze it which inturn caused our local bank, XXXX, to freeze as well since it is linked to our eTrade account. Well initially it seemed to be a simple verification thing so we happily submitted everything they requested.…

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On XX/XX/year>, I found my checking account and Premium Savings Account with E * TRADE / Morgan Stanley Private Bank were both closed without prior notice, and my Logon ID became invalid. At the time of closure, the accounts held approximately {$1500.00}. Since the closure, I have lost online access and have not received : 1. A closure letter 2. Final statements 3. Confirmation of the closing balances 4. Disbursement of the remaining funds I have contacted customer service multiple times over the past several weeks and received conflicting information from different representatives : 1. On XX/XX/year>, when I found my accounts were closed, I called Etrade for my statements and remaining funds disbursement and a representative told me to wait for XXXX business days. 2. On XX/XX/year>, a representative asked me to upload a Letter of Instruction ( LoI ) with my ID. I submitted it ( please see attached ) but received no response. 3.…

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Unauthorized charges on my debit card happened between XX/XX/XXXX and XX/XX/XXXX. I called the bank on XX/XX/XXXX to report fraud. I've followed up XXXX times since then, asking for an update on the claim and provisional credit under XXXX XXXX Each time they said they're 'still working on it, ' but no credit has been issued. The XXXX deadline for provisional credit is XX/XX/XXXX, and it's already past that. No real progress or explanation.

XX/XX/year>, I deposited a check from a third party, XXXX XXXX XXXX, for {$29000.00}, using the mobile deposit feature on the app for Morgan Stanley Bank ( afterwards referred to as MSB ) into my checking account ending in XXXX. Soon afterwards, I was able to confirm the deposit on the app and received an email confirmation. At this time, there was a hold on the funds. I expected this, since this was a third-party check and a relatively large amount relative to my average daily balance. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I noticed that the check was coded NSF and immediately called MSB to confirm. They did confirm that the check had been returned as NSF. HOWEVER, rather than just removing the temporary credit for the amount of the check in my account, they had also debited the account AN ADDITIONAL {$23000.00}, with no explanation. Therefore, my balance, rather than going down to - {$17.00}, was now a negative {$23000.00}, XXXX.…

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Date : XX/XX/2026 Subject : Urgent Complaint Regarding Frozen Account, Withheld Funds, and Repeated Mishandling by E * TRADE / Morgan Stanley Private Bank Account Number : XXXX To Whom It May Concern, I am filing this complaint to request immediate assistance regarding ETRADE ( Morgan Stanley Private Bank ), which has frozen my Premium Savings Account, withheld my funds for over a month, and repeatedly provided inconsistent instructions and unprofessional treatment. Despite my full cooperation, ETRADE has failed to return my money or provide any clear explanation for the prolonged delay. Background and Promotion On XX/XX/2026, I opened a Premium Savings Account with E * TRADE after being introduced to their promotional offer ( 3.75 % APY for six months plus a bonus for qualifying deposits ). I linked my XXXX XXXX account and transferred {$100000.00} the same day. Detailed Timeline of Events XX/XX/2026 Opened E * TRADE Premium Savings Account using promo code XXXX.…

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I previously submitted CFPB Complaint No. XXXX regarding Morgan Stanley Private Banks denial of a promotional cash bonus associated with a Premium Savings Account opened through the E * TRADE platform. Morgan Stanley responded to that complaint, but the response did not address the central disclosure issue and included explanations that appear inconsistent with newly discovered evidence. In light of newly discovered evidence, I am submitting this additional complaint so that the CFPB can review information that appears inconsistent with the companys response. On XX/XX/XXXX, while logged into my authenticated E * TRADE account opened through Morgan Stanley at Work, I was presented within my account dashboard with a promotional offer for a Premium Savings Account that included a promotional code. I followed the instructions displayed in that authenticated interface, entered the promotional code during the account-opening process, and opened the XXXX XXXX Account.…

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I recently opened premium savings account with Morgan Stanley and linked my XXXX checking account for initial funds transfer. I requested to transfer XXXX from my XXXX account ( XXXX ) which XXXX denied due to it being over the daily limit. I then transferred XXXX in XXXX transactions ( XXXX ) from XXXX to Morgan Stanley account, both transactions were processed successfully. However due to the failed transfer there was an account freeze put on the account. I made an effort to work with Morgan Stanley to resolve this matter promptly. Provided required documentation and have been consistently following up. Documentation provided : Bank statements from XXXX, ID documents and personally signed XXXX XXXX XXXX. XX/XX/year> : Account open XX/XX/year> : Account restricted XX/XX/year> : Called account risk department for removing the freeze, provided all required IDs and personally signed Letter of Intent.…

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Transaction date XX/XX/year> Amount $ XXXX Type Purchase XXXX XXXX XXXX and associated foreign transaction fee. I only use my debit card for recurring $ XXXX monthly payments to XXXX for home internet. No ATM or other purchases including no foreign transactions. As Etrade does not monitor debit card for fraud, I check at least daily. XXXX XXXX noted above transaction and at XXXX am called etrade and reported it. call XXXXXXXX XXXX XXXX XXXX XXXX Etrade cancelled my card and eventually sent replacement. Also called etrade XX/XX/year> am XXXX XXXX sec and XX/XX/year> am XXXX XXXX XXXX XXXX XXXX Last call included over XXXX minutes on hold requesting escalation / manager. None were available. Etrade customer service said provisional credit would only be issued after fraud investigation complete in 90 days. I have been an etrade customer for decades, have very close to {$1.00} XXXX in accounts with them and a very high XXXX score.…

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Etrade froze my entire 'Max-Checking ' account due to 'suspicious activity ' which was a check deposited of approx {$1100.00} for reimbursement ( compensated for my travel to interview for a company ). Etrade, after 7 separate phone calls, will not release the funds as their protocols to check for authenticity require an authoritarian of a multi-billion dollar company to validate a check of {$1100.00} for reimbursement of an interview. The senior accounting manager for the company I interviewed for authenticated the check to Etrade and XXXX, but he was not deemed reliable due to not being authorized to check the account ( he is authorized to withdraw for payment ). I now have missed my mortgage payment and credit card payments due to Etrade not releasing any of my funds from the checking account ( $ XXXX being held up due to $ XXXX being in question ). It has been over 7 days.

Dear Social Security Representative, I am writing regarding my Social Security payment of {$2200.00} that was deposited into my newly opened E * TRADE bank account on XX/XX/year>. Shortly after the deposit, E * TRADE froze my funds and requested identification documents, which I provided in full. Despite this, the bank informed me that they no longer wish to do business with me and refused to release my Social Security funds, stating that the payment can only be returned if Social Security " recalls '' it. I have visited my local SSA office multiple times, but the issue remains unresolved. The bank is holding my federal benefit payment, and I can not access my funds. I respectfully request that Social Security initiate a payment trace or Treasury reclamation so that my funds can either be returned to Social Security and reissued, or released to me by another method.…

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on XX/XX/year>, I applied for a new Etrade bank ( Morgan Stanley ) checking account. On the application, I forgot to enter the word " The '' on the name of my trust account. The bank did not communicate with me this error for over XXXX days. I had to make multiple lengthy phone calls ( to date XXXX in total each over XXXX minutes each time ), to discover this missing information, speak to multiple CSR agents and supervisors and send in corrected documentation requesting the update, which has never been completed as of today XX/XX/year>. Yesterday, XX/XX/year>, I was not able to access the newly created account online. In speaking with customer service I was told to reach out to their XXXX group ( research and resolution.…

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XX/XX/XXXX XXXX XXXX ET received a message from e * trade saying call to confirm recent activity. Called immediately, I was told to upload a picture of the front and back of my ID and a selfie of holding my ID, so I did that immediately. Later that day, and on XX/XX/XXXX, called again for follow up, and they told me the back office would review the information. I asked for the reason for the restriction, and they told me, " Because it is a new account. '' This is not a valid reason. Ask for more details or talk with the review team. They told me I can not contact them. I asked for a supervisor, and I was told that no supervisor was available, and I can get a call back, but they do not know when I will get the call back, it could be antime of any date. I understand it is important to protect accounts, but I already uploaded all the requested documents.…

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This complaint follows complaint number CFPB XXXX wherein the stated remedy for removing the account restriction was to conduct a XXXX-XXXX call with the issuing bank, which occurred on XX/XX/year>. During this call, the representative verified all information, and led me to believe that because of this, the restriction would be removed. However, despite allowing the requested additional XXXX days for the restriction to be removed, it remained as of XX/XX/year>. In a final attempt to make a good will attempt to resolve the issue and have the restriction removed, before pursing legal remedies, I contacted the bank to check the status and was again told to wait. This unacceptable, and illegal practice, should be scrutinized by regulators within the OCC and CFPB.

Hello, I previously opened case # XXXX. It was closed upon the company 's response without any further attempt to clarify me for accuracy or to see if a resolution had been reached. Here is my response back to the company 's reply : Dear XXXX XXXX : I am in receipt of your letter sent on XX/XX/XXXX regarding my Liquidity Access Line Account ( XXXX Account No. XXXX ). I write to identify several significant inaccuracies and unresolved concerns in Morgan Stanley 's account of events, and to request written correction and remediation of each. I. MATERIAL INACCURACY REGARDING INTEREST RATE APPLICATION Your letter states that my fixed-rate promotion became effective on XX/XX/XXXX, but omits several key facts. I was expressly advised by a Morgan Stanley Virtual XXXX that I was required to draw funds before the promotional fixed rate would be applied, and that the fixed rate would be retroactively applied to the date of the advance.…

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On Monday, XX/XX/XXXX, I deposited a legitimate government unemployment refund check into my E * TRADE account. The funds were made available immediately. On Tuesday, XX/XX/XXXX, my account was suddenly frozen without prior notice, and my debit card was declined at a restaurant. When I contacted customer service, I was questioned about whether I had written the check to myself. From XX/XX/XXXX through XX/XX/XXXX, I uploaded documentation multiple times to prove the legitimacy of the government-issued refund check. During this time, no one proactively contacted the issuing agency to verify the check. If there were concerns about the deposit, the bank could have placed a standard hold on the funds, verified the check, and then released it. Instead, the funds were made available, then my entire account was frozen without warning, disrupting access to my own money.…

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XXXX : Received information from Morgan Stanley about promotional interest rate on my share holdings with them XXXX XXXX XXXX : Had a series of calls with Morgan Stanley XXXX XXXX conditions under which the terms were applicable XXXX making sure that I would be able XXXX qualify on my draw down XX/XX/XXXX : Confirmation call with Morgan Stanley XXXX XXXX promotional rate would be applicable XXXX XXXX : Morgan Stanley calls XXXX XXXX confirm that the promotional rate is not applicable XXXX my account ; then confirms that it may be applicable XXXX some portion of the drawdown XXXX finally confirms that it is not applicable on any of the drawdown ; case is escalated XX/XX/XXXX : Morgan Stanley confirms that XXXX XXXX charges apply XXXX promotion does not apply ; I ask them for the call XXXX XXXX XXXX : Continued calls with Morgan Stanley reps XXXX get call XXXX XXXX but to no avail.

I opened an E * Trade Morgan Stanley Private Bank checking account on XX/XX/year> through their advertised checking account promotion ( https : //us.etrade.com/promo/checking-offer ). However, the promotion/promo code was not applied to my account at the time of opening. I contacted E * Trade customer service on XX/XX/year>. The representative acknowledged the issue and stated that the promotion could be manually applied, and that I would receive a callback within 23 business days to confirm. As of XX/XX/year>, I have still not received any follow-up communication or written confirmation. I have called multiple additional times during this period, and each representative has repeated that I should expect a callback within 23 business days, but no one has contacted me and the issue remains unresolved.…

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I use this financial to my payroll cheque and i deposit XXXX cheque to this account and all of that is approve and all the money is on my account then after that they lock up my account and have restriction and i cant use or get my money in my account.how many times i call but always telling to me wait and wait and how many times told to me under review my account its take many days or weeks I'll been waiting.they keep telling me to wait but i cant wait anymore because i have expense and family to support all my bills is on behind.they give me stress and they playing me games.

I opened a XXXX with the institution with a promotion that gave a cash bonus if you kept a certain amount in the account for the first XXXX days. I intended to keep that amount ( $ XXXX ) in the account and after the first XXXX days was going to slowly begin using their investment products. On XX/XX/XXXX, I went to sign in to add money to the account and was unable to login. I called customer service and they told me they " no longer want to do business '' with me. There was no explanation as to why, and I was told it was an irreversible decision. I inquired as to how I can get my $ XXXX back. They had me upload highly personal information -- including photographs of my government ID, my SSN, a photograph of me holding my government ID, and a handwritten and signed letter asking for access to my own money. However, despite complying with exhaustive identification requirements, the institution did has not let me access my funds.…

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Yesterday morning ( XX/XX/year> ), I woke up to my account being restricted. I recieved a notification that there was unusual activity on my account and to contact E * Trade ( Morgan Stanley ) to fix the issue. The agent that answered transferred me to an agent he reported can better assist. The agent that I was transferred to stated I had some deposits from my XXXX account and now the bank is requiring an account statement from XXXX XXXX. I explained that its an app and they did not provide that. I was a bit confused because I did not know why my casino plays was any of E * trades business. As I confirmed the transactions were me that should suffice. Either way I sent a copy of my transactions with XXXX XXXX, a bit later in the day I contacted E * trade again as my account was restricted and we were in the middle of a major snow storm and I needed access to my money.…

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We were alerted on XX/XX/year> that our E * Trade Joint Checking ( {$4000.00} ), Joint Savings ( {$45000.00} ), and Joint Brokerage ( {$27000.00} ) accounts were restricted due to unusual account activity. We have been repeatedly told that someone would contact us and this has not happened as of XX/XX/year> We were told that the issue would be resolved within XXXX business days The checking account receives direct deposits and automatic payments that are going to be disrupted. Essentially, these accounts are frozen, i.e., we have no access to our funds. We have been provided with no explanation for the hold and have no confidence with what we have been told to expect. We also have no information regarding the status of deposits and withdrawals that should have been made in the checking account.…

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