Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC
State: SC

Complaint narrative:
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. - Method ( s ) used : Phone - Transaction in dispute : - Date : XX/XX/year> Amount : {$200.00} Description : Mosaic / E * TRADE ( as shown on statement ) - What happened : I contacted E * TRADE multiple times to dispute the above charge. Each time, customer support was unable to resolve the issue. On XX/XX/year> at XXXX PM I spoke with representative XXXX XXXX ; he did not resolve the matter and did not provide satisfactory confirmation that the dispute had been filed or would be investigated. Overall, E * TRADEs customer support has been unable or unwilling to provide a resolution or adequate documentation of an investigation. - Legal/consumer-protection concern : I believe E * TRADEs failure to properly investigate and provide documentation may violate my rights under applicable consumer protection laws ( please confirm which law you want cited ; common statutes include the FCRA and EFTA ) . I request enforcement oversight to ensure my dispute is handled correctly. What I have done to resolve the problem- I contacted E * TRADE by phone multiple times on [ list dates and times ]. - I spoke with representative XXXX XXXX on XX/XX/year> at XXXX PM ; the issue was not resolved. - I attempted other methods to resolve this : [ online dispute form / emailed customer service/ sent certified letter / visited branch list any you used ]. - I requested written confirmation and documentation of any investigation and have not received satisfactory documentation or a resolution. Requested actions/ Desired resolution - I want E * TRADE to properly investigate and resolve the dispute for : - XX/XX/year> {$200.00} XXXX / E * TRADE - I want written confirmation of the investigation and the outcome, and correction or removal of any incorrect charges or reporting resulting from this transaction. - If appropriate, I want any negative information related to this disputed item removed from my account and from any credit reporting ( if the disputed item affected my credit ). - I request that XXXX XXXX be removed from handling my case and that a different, qualified representative be assigned. - I request that the CFPB review E * TRADEs handling of my dispute and take any necessary enforcement or corrective action to ensure compliance with applicable consumer protection laws. Attachments and supporting documentation - Copy of billing statement showing the disputed charge - Dates and times of calls and any call logs ( including XX/XX/year> at XXXX PM ) - Copies/screenshots of online dispute attempts ( if applicable ) - Any email correspondence or letters exchanged with E * TRADE Additional information - Representative spoken to : XXXX XXXX XX/XX/year> XXXX XXXX PM I declare that the information in this complaint is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation