Merrill Lynch

I had to take out a loan against my 401k plan due to my employer Sedgwick screwing up my short term disability claim. I call Merrill Lynch to take out a loan against my 401k plan, they ask me for the address to mail expedited my check to on 03/28/2024, I provide the address, and they assure me they are able to and have updated my address and the check will be mailed to the address.

A few days later, using the UPS tracking number, I find out they failed to deliver the check. I call UPS and ask what the issue is, and they say the shipper (Merrill Lynch) has mailed the check to the incorrect address. I call Merrill Lynch on 04/01/2024 and ask what the problem is. Furthermore, I'm informed they mailed the check to the incorrect address and that they aren't able to update my address over the phone, and they apologize that I was told that it was and could be.

They then inform me I have to get the check from a UPS customer care center, I accept and tell them to expedite it and waive the fee since they screwed up. They waive the fee and assure me they have now reissued my check to the UPS center in Dallas for pick-up, and they put a stop on my old check. The entire week goes by, and I call each day asking for a UPS tracking number for my new check, and they said they don't have it yet. I call again Friday 04/05/2024, and speak to a 5th agent, named Ayesha Smith, who tells me the new check that I was told that was reissued on Monday was NEVER SENT OUT.

At this point I am missing my $1500 check of my OWN MONEY mind you, and now am late on rent and now have suffered a $200 late fee because of Merrill Lynch's PURE INCOMPETENCE. I should have had my money last week, but now it's the end of an entirely new week and I still don't have my money.

I should never be placed in this position by any company ever. This is frustrating and embarrassing, and I want this company burned to the ground and held accountable.

No communication no manager to talk to no specific person responsible for deceased accounts so nothing gets done its been 7 months weve been trying to get our money and its always another reason I dont understand why you cant distribute funds to those whose paper work is ready weve gone to distribution 4 times I hear its correct now so I give it a week call back only to find its been sent back this money doesnt belong to you Merrill lynch every other brokerage distribution time is less than a week 7 months thanks for letting us close this horrible chapter of our lives by multiplying and extending the pain the Davisson family thanks you

I am writing to express my dissatisfaction with the recent handling of my attempt to deposit a check into my IRA account. Despite my efforts to follow the instructions provided by your representatives, I have encountered a series of miscommunications and procedural errors on your part.

Initially, after attempting to contact your firm for guidance, it took three days to receive a response.

Call any of your offices and see how it goes nowhere, a complete and utter joke in the modern era. When advised, I was directed to deposit the check at a local branch, only to later be informed that the deposit was not possible due to my account being an "Edge" account, which requires mail-in deposits. This crucial piece of information was not communicated by either the initial representative or the branch staff at the time of deposit.>

> The lack of knowledge and coordination between different parts of your firm has resulted in my check being in limbo, necessitating its cancellation and reissuance, incurring additional fees and inconvenience on my part. I question how such a level of service and internal disorganization aligns with Merrill Lynch's fiduciary responsibilities to its clients.

I expect a prompt resolution to this matter and request guidance on how to proceed without further detriment to my financial activities.

Get your act together and quit being an embarrassment to the US public! The CEO appears to be the worst leader possible to run Merrill.