Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: MI

Complaint narrative:
XXXXI got this email after withdrawing money out of my OWN ACCOUNT AND MY OWN MONEY XXXX XXXX- then again at XXXX Due to unusual activity in your account(s), certain account features may be temporarily disabled until we have the opportunity to speak with you. Your security is very important to usXXXXTo restore functionality, please call us anytime at XXXX XXXX. From outside the US, call XXXX XXXX XXXX XXXXWe apologize for any inconvenience and look forward to speaking with you soon.XXXXTHEN WHEN I LOG IN, I GET THIS: XXXX At E*TRADE your security is very important to us. That's why, from time to time we ask for additional verification when you attempt certain activities at etrade.com.XXXXFor your protection, due to unusual activity in your accounts), certain functionality may be temporarily disabled until we are able to speak with you. This is intended to prevent potential misuse of your personal information or financial assetsXXXXTo restore functionality, please contact E*TRADE Account Activation Services at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the weekends. Outside of business hours, please call XXXX XXXX for assistance. From outside the US +XXXXAs always we appreciate your business, and we apologize for any inconvenience this may cause. XXXXXXXXSINCE XXXX XXXX XXXX.. I BEEN CALLING EVERY SINGLE NUMBER THEY LISTED WITH NO HELP, and NO ONE TELLING ME NOTHING, and Telling me we cant do anything about it right now!! THEY WONT GIVE ME ANY INFORMATION AS TO WHY, or what i did, or what i have to do and whats next\nThen on XXXX XXXX XXXX I CALLED AGAIN, asking what is going on?? THATS MY OWN AVAILABLE FUNDS, i cant use transfer, withdraw or spend. I have bills to pay and people to take care of.. i told them everyday i dont have access those funds, ITS A BIG FINANCIAL PROBLEM AND LOSS TO ME, and puts me in a tough position, i asked if i can put my XXXX state lawsuit settlement XXXXIn there with no problem, they said YES OF COURSE! No problem.. so i had checks i was going to cash but said lets try this bank and see how their system works and if its safe to deposit XXXX.. i deposited a couple hundred dollar checks.. and I STILL DONT KNOW IF thats what caused the block.. or my transfer.. no one will tell me anything then they told me call on XXXX as the certain team and department will help you then.. i called XXXX still no help said now they couldnt locate my account with really frustrated me and the guy seemed like he was incompetent and didnt know how to do his job too well Then they said call at XXXX or after.. so i just did and now instead of what both the email and alert say to all the numbers.. they said yeahh it was that before but now.. you cant do anything, you just have to wait for their call i said i dont know which number it is, i dont answer every phone call i get, i get 100+ calls a day.. how will i know which one?? And they couldnt even tell me the number, they just said to wait..?? THIS IS UNACCEPTABLE TO NOT HAVE ACCESS TO MY OWN FUNDS FOR A WEEK NOW MORE..?? And they say to call to RESTORE FUNCTIONALITY QUICKLY.. but then they say they cant do that yet.. THAT IS WRONG, and shouldnt be able to do that to me!! OTS ABSURD AND RIDICULOUS, then i said, I WANT TO CLOSE MY ACCOUNT THEN.. and give me a refund in checks or deposits of whatever BALANCE I HAVE LEFT.. they said well you cant do that either. THAT IS ABSOLUTELY NOT LEGAL, and I NEED HELP AND TO GET MY MONEY ACCESSED SOMEWAY OR SOMEHOW, i want it OUT OF THAT BANK!"

Company response to consumer: Closed with explanation