Ameriprise

Our master bathroom floor bubbled up and there is water under the tub and shower and flooring. We came home from AZ and it was there. We filed a claim and after two inspections from the same people, they determined that is was a maintenance issue and will not pay for anything. We have never had a claim before and have paid for years on all insurance. I sent the claim to the office of the insurance commissioner and they pursued. Ameriprise has a clause in their policy that protects them from any little leak. We have to spend at least $12,000 to redo our bathroom. New everything, including flooring, tub, and shower. Ameriprise Insurance is one of the worst insurance companies ever. I will do everything to let everyone know how bad they are. What wouldn't pay for anything? We will definitely look for another company.

Deceptive practices of Ameriprise Financial - My complaint is about an Ameriprise financial planner who withheld vital information about a fund he endorsed and sold to me. Three years ago, as I was about to retire, I opened an Ameriprise account to obtain professional help in managing my finances. I explained to the Ameriprise advisor that, due to my age, I wished to invest conservatively. He suggested several mutual funds and encouraged investment in Inland American Real Estate Investment Trust, saying that investment in real estate would "round out" my portfolio and that buying shares in a REIT would be much safer than buying individual property.

Trusting him, I placed a considerable amount of money in the REIT and soon after doing so, I began receiving correspondence from Inland American that noted that this REIT has not yet gone public. Until it does, it is impossible to sell the shares. I immediately contacted the advisor asking why he suggested this fund, since there are many publicly traded REITs whose shares are publicly traded. He replied, "It will eventually go public and you will thank me." I said, "I don't want the shares," and asked Ameriprise to purchase them from me since I would not have bought them had the nature of the fund been disclosed. They refused to buy the shares back.

Inland American periodically writes to investors advising them that shares will again be devalued (they have been devalued twice since I purchased them) and that they have no idea if or when the fund will go public. I have retired but have no access to the money invested in Inland American. For all intents and purposes, the investment is worthless.

I was in an MVA on February 13, 2012 and I filed the claim with my insurance company, Allstate. The next day, Allstate Claims called me and I told them my story about the accident and they were helpful on my part as far as filing claim.

Ameriprise called me a day later and took my report of the accident and I feel like they were dragging their feet on the claim then I got their response a week later of them turning down my claim because of conflicting versions of it. I had to bring in a lawyer so I can get my money back for my loss of car, medical bill and towing charges. It has been 3 weeks since the accident and they are still declining my claim. After dealing with this, I would never consider them as a good company to deal with.

My roof and fence were severely damaged in a recent hailstorm. A lot of homes in my neighborhood had damaged roofs as well and most of them have been replaced with new roofs through their respective insurance companies. When I filed a claim with Ameriprise, they sent an adjustor to my house who took detailed images of my roof and all other damage. Ameriprise, on reviewing the pictures from the adjustor, claims that the damage to my roof is caused by "blistering" and not by hail. So that means that out of every home in my neighborhood that suffered roof damage from hail, only mine was somehow caused by "blistering". It is very obvious to me that Ameriprise is trying to get out of paying me for repairing all the damage to my house.

Spencer ** with Ameriprise divulged confidential information about an account to a non-account holder. Spencer told a different client (his friend) how money was being spent/distributed from an account that was not owned by his friend. We own the account and his friend just informed us of the details of how our money was spent. His friend stated information that only Spencer had knowledge of and he also stated explicitly that Spencer told him the information. There have been no consequence for Spencer's actions yet. What can we do about Spencer's actions?

I can't believe Ameriprise is still in business after how I have been treated is any indication of how they do business. First, they didn't watch my account and it ended up losing $30,000. Then they cost me an additional tax bill adding $64,000 when the money was supposed to be tax exempt in the insurance. I was not told of this situation to begin with.

I've had a poorly-performing Ameriprise brokerage account for many years and recently decided to close it. I liquidated everything to cash and then asked for them to send me a check for my money. They charged me a $100 fee to close the account. I spoke with several people, trying to escalate to someone at Ameriprise who could justify the fee. No one could justify the fee, and no one was willing to waive it.

During my divorce I was advised by an Ameriprise advisor to put my money in an account that paid me each month. Long story short, I lost $50,000.00 by following his advice. He/the company should be held accountable. It's probably too long ago (more than five years) but I still have not recovered.

I had a fender bender, and the insurance that I had at the time doubled my rates. I had heard good things about Ameriprise, and when I checked them out, their rates were much lower than what I currently had, so I changed over. But every time a new policy would start, my monthly payment would be larger. When I called and asked them about it, they couldn't answer me. In order to make my monthly payments affordable, I had to drop my uninsured motorist coverage. They insist on automatic deductions from either a checking account or credit card, and won't let you pay online or by mail. Needless to say, I can't wait to be finished with them!

Lisa ** was contacted in order to determine Ameriprise policies regarding Fiduciary Responsibility with clients. A satellite office of Ameriprise violated said responsibility by transfer of financial accounts from local office to headquarters without client approval or knowledge, and charging client for professional services. Two certified return mail letters have been written to Ameriprise, Lisa ** since 21 September for transfer of accounts that occurred on July 28 by one Matthew ** of Toledo, Ohio.

I was in a car accident and made a claim. I was told that if I used their preferred auto body shop I would receive $100 discount on my deductible. I used their only preferred shop in my area. A year later the paint was peeling off on all of the panels that the shop repaired.

I returned to the body shop but they were closed down. I looked around and thought maybe they had relocated but could not find any trace of them. When I called Ameriprise they told me there was nothing they could do and that I would have to take it up with the body shop. I would recommend to anyone considering Ameriprise insurance not to do it and to anyone currently with them to cancel their policy.

The first of the year, Ameriprise began charging a $20 per quarter fee from my investment account. It is not clear how they informed clients of this new charge because I didn't realize it until the charge was made. I told them that it was unacceptable to me and since they would be charging almost 15% of the dividends I received in the account, I would be closing my account. They then charged me $100 to close the account.

My issue is, while it certainly is Ameriprise's right to change fees, they need to provide a means for clients to close their accounts and take their business elsewhere without penalizing them by charging an even larger fee to leave.

Mr. Dale ** in Eugene, Oregon, intentionally breached his contract and did not honor his financial obligations. I did not want to be the person who posted a comment like this, but I felt like I needed to let everyone know as I would hate for another person to get burned by this financial advisor.

Ten year ago, my husband and I went to American Express financial advisors, because my husband was preparing to retire. We went there to find out the best thing to do with our stocks and investments, once we retired. To make a long story short, we wound up being sold a variable life insurance/investment policy, in lieu of the spousal retirement benefit that we would have gotten from GE. We were told that if we took the spousal retirement option from GE, and I passed away before my husband did, the monthly deduction from my husband's pension, would never stop, even if I passed away first.

However, if we put the same amount of money each month into this variable life insurance policy, then, if I died first, my husband could just cancel the policy and not have to make monthly payments anymore.So, we bought this life insurance policy. Then we were told the payments would be over $500 a month, unless we front loaded the investment portion of the policy with $10,000. So we cancelled another life insurance policy we had and took the proceeds and invested $10,000 in this variable life policy investment account.

A few years later, this policy and investment account were the subject of a class action lawsuit, in which Ameriprise was ordered to pay us $11,000 and they put the lawsuit payment proceeds into the investment portion of our accounts. So, we were paying $440.65 a month, and approximately $153.00 was going to pay the premium for the insurance each month, and the excess payment was going into the investment account. We got a statement every month and a quarterly report on our investments, and over time the investment account reached $48,000+.

Fast forward to December 2, 2009. My husband passed away. I file a claim for the life insurance, and was paid the policy face value. Then I go online and find that Ameriprise has zeroed out our investment accounts and taken the money. When I contacted them about this, they researched it for two and half months and then sent me a letter that basically said "yup, we checked and our contract with you says that we get the investment money. Sorry."

Now the money in that account was our hard earned after tax dollars, money paid to them above and beyond the cost of insurance, and money they were court-ordered to pay us along with interest on the same. They sent us a quarterly statement for years, leading us to believe that this was our money. They encouraged us over and over again to invest more in this investment account, indicating that if my husband lived into his eighties, there might not be enough in there to cover the rising cost of insurance premiums. However, they never, ever told us that every dime that we invested in those investment accounts would be lost if my husband passed away before we had a need to use it.

Furthermore, Ameriprise basically settled the court order to pay their clients on the lawsuit by paying themselves. They simply put the settlement money into investment accounts that, as it turns out, belonged to them, not the client. Then they paid themselves interest on the money, sent out little statements so the clients would not know that the money wasn't theirs and waited for the insured to die and then took it all back. Amazing! !

When my husband died, his pension and social security stopped. I am left with the $350,000 in insurance and must rely on market return for my living. In light of today's market, I guess I don't need to say much more. The advisor that sold us this policy in lieu of fixed pension, said we would get at least a 10% return and probably more like 15% if I invested the insurance money. Obviously that was just some more hype and sales *. I can't even get 3% in today's market. When my husband was alive we got $4,000. a month in income. Now, I get whatever the current CD rate and investment rate is $350,000.

I don't believe any honest, ethical financial advisor would ever advise a client to give up a fixed, guaranteed for life, pension payment and take on a life insurance policy instead, that would require a dependence on the market for income. I didn't know it back then, but I know it now. These folks really, really ** us, and they still are. They are not going to give me our $48,000. It's fraud, after fraud, after fraud!

About 16 years ago, my husband purchased a Universal Life insurance policy to help me and our family when he dies. My husband is a 100% disabled veteran and 10 years older than myself. We paid $450.00 a month faithfully. At one point, I noticed that the direct withdrawal was not being made by Ameriprise. I called and was told that the dividends were paying it. I asked that the withdrawal still be made to build the fund; it was started up again. I also withdrew (I think) $7000 once for home repairs. When I asked about repaying that, I was told I didn't have to, that it was my money.

So after 16 years of paying, last year I get a call from an agent telling me that our account is in trouble and that I have to invest $80,000.00 in it, but that I am not allowed by law to invest that much. The agent wanted me to cancel the VLI and get a new insurance policy, losing over $81,000.00 that we had paid into it. I refused, I do not understand these things and I paid Ameriprise to do a job managing the policy for me and they ** it up.

This agent also called me from his home on a private phone and advised me to call "a friend" of his about other insurance, and not to tell anyone because he would lose his job. Now I have another agent from them calling me and telling me the same things but he wants me to invest over $1,000.00 a month and whatever other monies I can to make the fund work again. But he says I can invest money into the fund because I have not invested other money besides the regular monthly premium. I am so confused about this.

When we first started the fund, we had one agent who I liked and (silly me) trusted; he would call us every few months and ask if everything was still the same. Then he transferred the fund to another agent, who I never heard from. Then I got the call about investing the 80K, then never heard from him and now the new agent is calling and expecting me to do something immediately. I cannot afford to drop the policy for 235K which I will need for myself and our now 14-year old son. I don't know if I can keep making the payments above the $450 a month especially when he tells me that the costs could go to over $1,500.00 a month. He even told me that I should drop that policy and take one for 50 or 60K instead, that would be less than what I had already paid in, and I would still be paying.

My husband is 67 and I am 56 years old with our 14 year old son, still at home. I don't think I have forgotten anything that has happened since this nightmare started. But we do feel that Ameriprise has not done the job we have been paying them faithfully (direct withdrawal) for 16 years to do. It is just not fair. I told the last agent that I have a 10 year old home and everyday I walk around it and tell myself that I need to fix this or repair that, Why did it take them 15 years to notice that our Fund/policy was in trouble? I have not been able to sleep. Every day I think about the money I have paid to Ameriprise and what I have to continue to pay.

I have considered selling our handicapped accessible home we built to pay into the fund but I don't want to do that because we need it, especially now since I am taking care of my 88 years old mother-in-law who is also a KIA veterans widow. Every commercial I see on TV for Ameriprise, I just want to scream. I had to tell my husband what was going on with the policy/fund and he is also sick and depressed about it. We just don't know what we can, or should do, if anything. I pray there is someone who can help, we are just not very educated people and thought we were doing the right thing to help our retirement and old age. The agent wants me to invest every cent I have in savings, which isn't much but it is money we use for cars, home and car repairs and just leisure, thinking that we had everything else covered with the policy. Now we are afraid to do anything.

I have an umbrella policy with this insurance company. I called originally because I have a crack on my windshield. I was told by the customer service that they don't cover glass damage in New Jersey. They ask me if I wanted to put a claim which would affect my $500 deductible. Since the damage was minor I thought it could be fixed. I found out the next day that it could be fixed for free as part of my comprehensive policy, but by that time, the damage has spread from 1/2 inch to about 10 inches.

The insurance company does not want to take any responsibilities on paying for the damage. I was never told by the customer service that they have a separate glass division.I was not directed to the right person that's why I wasn't aware that the damage could be fixed for free if they have handled this correctly. The windshield could have been fixed right away before the damage got worse. Windshield replacement needed to be done and it cost me $348.00. I want that reimbursed.

Family recently in progress changing to another service and Ameriprize is DRAGGING their feet.

I requested my withdrawal of my 401K Plan with Ameriprise Financial. I requested this on 10/14/09. I was told by Piyush Chowhan on that same day that it would not be a problem, that I would be recieving my full balance withdrawal within 7 days. And I specifically stated I need it for my mortgage bec I am close to foreclosure. My bank is waiting for this money. They sent a collection agent to my home and I showed them the Ameriprise paperwork showing that the transaction from Ameriprise was being processed; this money would be used specifically for my mortgage payment.

I worked for Ameriprise and they are a selling organization. The "advisors" dont have any education in finance and are trained often by freshly minted college or even High school grads. It was pathetic, the only thing they did is teach how to corner and sell useless plans and mediocre products. As an MBA I had a great advantage and that helped me tremendously but they provided no guidance. All they wanted was for the advisors to sell financial plans, Variable Universal Life insurance and annuities. The company's management was reckless and got into trouble with the state regulators. I can't believe that I associated myself with this company. They are a greedy organization with no respect for the concept of fiduaciary at all. Bad company.

My son and I have, requested the closure of my accounts at Ameriprise, save the annuities in payout, yet Ameriprise and our Broker Robert S, have refused to honor the same. My requests date prior to January 2, 2007 and it has been two years of delays. My son, who has Power of Attorney, has made repeated request by phone since this date yet all request have been ignored. Ameriprise has not given an explanation or responded by letter, phone or email. By not returning our money we have been damaged and their behavior violate professional codes and is criminal. It appears that many complaints have been lodge against Ameriprise various department and this is outrageous that no action has taken place. I am told that FCC has already frozen Ameriprise's reserve accounts .

Because we are unable to pay bills, which led to loss of transportation, & could not pay tuition on time for Grand children, penalties and interest have accrued greater than $20000.00

My son and I have, requested the closure of my accounts at Ameriprise, save the annuities in payout, yet Ameriprise and our Broker Robert Smotherman, have refused to honor the same. My requests date prior to January 2, 2007 and it has been two years of delays. My son, who has Power of Attorney, has made repeated request by phone since this date yet all request have been ignored. Ameriprise has not given an explanation or responded by letter, phone or email.

By not return our money we have been damaged and their behavior violate professional codes and is criminal. It appears that many complaints have been lodge against Ameriprise various department and this is outrageous that no action has taken place. I am told that FCC has already frozen Ameriprise's reserve accounts . David Moore /Myrtle Moore

Because we are unable to pay bills, which led to loss of transportation, & could not pay tuition on time for Grand children, penalties and interest have accrued greater than $20000.00

Involved in an auto accident with an Amerprise policy holder. B. changed lanes very quickly and hit passenger side door. Police report puts B. at fault. We contacted Ameriprise to file claim. They recorded both parties statements as to what happened and because I stated that I did not see him until he hit me Amerprise says that I am 10% at fault. The only recourse that I have according to Ameriprise is to file with my own insurance. This makes Amerprise the Judge, jury and executioner.

The damage to our vehicle is $4600.00 plus deminished value. My part would be $460.00

Five months ago my friend passed away and left her finace and myself beneficiaries to her accounts with Ameriprise Financial. This was not a life insurance policy. They refuse to hand over the accounts. They want the death certificate to read it was not a homicide. The autopsy report wasn't sufficient nor was the amended death certificate. The doctors have said this wasn't a homicide, but the actual cause of death is undetermined.

The woman I speak to hangs up on me, or puts me on hold without saying so. Very rude. When I ask to speak to their legal department I never get an answer. I have a suspicious feeling I will never see this money, and if I do they may give me some answer like it depreciated or something.

This has actually caused me a lot of my time and distress. I just want to be over with this. The longer I have to work on this the more upset it makes me that my friend has passed away.

My wife and I have an Amerprise account with her brother listed as our Financial Advisor. In an email we received from him on Friday lists many slanderous and distributing comments. My biggest concern was his disclosure of personal medical information with Ameriprise corporate. I feel that this information is strictly private and confidential and concerned that Mr. F disclosed this information within Ameriprise without my consent. Any thoughts or ideas would be greatly appreciated. I do not believe my personal medical information is appropriate for any conversation within Ameriprise.

Ameriprise is all over asking for ANYONE with a pulse to come be a financial planner, using the pitch No experience necessary. Last year, they even tried to recruit my friend who has a degree in AGRICULTURE! She knows NOTHING about finance! I was young and stupid and out of college and got several harrassing calls from Amy Limas-Hanson, finally agreeing to come in. I bought their BS hook, line and sinker.

I now have a depreciating life insurance policy that is the worst plan for a person of my age and lifestyle. My advisor had no financial experience other than the sales training Ameriprise had given her, which is focused more on making HER money than securing my fiancial future. I'm embarassed for being so stupid. They must love people like me who also have no financial background and aren't aware of savings options, etc. They will do whatever is best for them, not you.

In fact, that was the main complaint of the multi-millon dollar Class Action Law Suit that was filed against them about 6 months ago, stating their advisors acted in the interest of selling something for commission, wasting tens of thousands of dollars of their client's money on financial products that will not benefit them. YOU MUST DEMAND that your financial planner has a degreed background in fiance. I personally would only let someone with at least a masters degree or several financial planner certifications and a track record of success manage my account. Please be careful and stay away from the uneducated planners of Ameriprise!

In November 2006 my wife (8 months pregnant), my 73 year old mother-in-law and myself were in a automobile accident and suffered some serious injuries. I had purchased the medical rider for my policy covering up to $50k of medical bills. Only my wife has needed extended treatment (2x month physical therapy) and have only used about $9k of the total coverage.

Ameriprise is refusing to cover the last two treatments as they stated their independent medical examiner does think she requires further treatment even though our Doctor, Chiropractor and Physical Therapist have disagreed. When I asked about an appeals process I was told to go get a lawyer. I re-iterated that I was willing to sign off on closing this case as long as they approved the final treatments, but they refused.

I have reported them to our Insurance Commissioner.

I received a post card in the mail for a free no obligation financial planning pamphlet. I sent it back but said that I did not want to be contacted by Ameriprise Financial (I am on the do not call list). I received repeated harassing phone calls and finally agreed to meet with the financial adviser who was aggressive and unyielding. I ended up investing my 401K's in an annuity with them. He did not explain the terms of the annuity including any surrender charges and refused to managed my investments according to my express wishes. He was argumentative and even though he eventually agreed to move my funds and requested blatantly to put them where he wanted them. I filed a formal complaint with their compliance department (they are bound by their industry regulations) and they made excuses, didn't address the issue and refused to rectify the situation. I will pursue additional recourse as this company seems to endorses unethical practices.

Between the money that the investor lost and the surrender charges, I have lost $17,000. I have moved my money into a money market type of account to stop the hemorrhaging. After I have exhausted my options I will get my money into the hands of a reputable firm. I refuse to deal with this company again.

We filed a bill for medical services for injuries to a patient. She sent it to her carrier, ameriprise auto & home ins. They sent a bill review back, disallowing about 25% of the charges, using explanations such as the procedure code billed is an invalid code for the date of service entered. When we contacted them, I was told the system did not recognized the code. It was a standard billing code used nationwide. they repriced the billing amounts with this explanation; the procedure code referenced by the provider was used more than what is normally expected within the scope of a provider per claim. The code they refer to was used ONCE for a final exam. This is very customary in an injury case. As you can see, the explanations are gibberish and unsupported. the adjuster claimed that their bill review was used on thousands of bills. Our bills are based on worker's compensation fee schedules, so they are among the lowest fees used. Evidently, that isn't low enough, as far as the PAYOR is concerned. We have filed medical malpractice complaints against them, as it is illegal to change billing codes to reduce fees or refuse payment for arbitrary reasons.

Failure to pay billed procedures, loss of $1001.33.

My disabled child and myself were involved in a two MVA in October 2007. The driver of the other vehicle was cited. Her insurance company, Ameriprise Auto & Home Insurance, was absolutely horrible to deal with. For the first couple weeks I tried to work out an agreement with them, since my vehicle was a total loss. They offered me much less than the value of the car. I told them this was not acceptable, that I was not asking for anything above and beyond the value of the car, but just a fair price so that I may purchase something of similar prior condition, value, and mileage. They lied to me and told me that they had actually offered me a very generous amount, and that I should not turn it down. I contacted my attorney to get her involved. She found that the value of my car was much higher than they had admitted to me. My attorney was unable to reach Jill, the professional handling my claim, for nearly two weeks. By the time everything was agreed upon, it was mid-December 2007. I was told to mail my car title to them. I did so.

They had my car towed away. At this point I had no car or title...and no check. After a few days I called to see why I had not received the check for my damaged vehicle. They told me they never received my car title. I had to go purchase a new one and have it sent overnight, all at my expense. An hour after I mailed the second car title, they contacted me to tell me the original one had been found. The date on the check was the day AFTER they stopped paying for my car rental. I took the check to the bank so that I could purchase another vehicle that I had found. The bank had to hold the check for seven business days due to the amount and it being an out of state check. By the time it was all said and done, I was charged approximately $990.00 out of my own pocket for a car rental, due to their poor business practices. This is almost 1/3 of the total check I received.

I was also informed by Enterprise Car Rental that Ameriprise Auto & Home Insurance was very hard to reach, and that they were refusing to pay approximately another $800.00 of the car rental that they had earlier agreed to pay. Enterprise told me at this time that I may also be charged the additional $800.00. I contacted my attorney who then contacted both Enterprise and Ameriprise to hopefully stop the additional $800.00 from being charged to me. Bottom line, I am a divorced mother raising a disabled child alone. I had reliable transportation to get my child to and from school, doctors appointments, therapies, etc. Now, I was forced to buy a car of lesser value.

Due to Ameriprise Auto & Home Insurance shady business practices, I am now nearly $1,000.00 in the hole for an accident that was not my fault. Again, I never asked for anything above and beyond what was owed to me. I had to fight to get what I got...and still didn't come close to breaking even. This company has put me in an extremely tough spot financially.

I am a Certified Financial Planner and decided to apply for a position with Ameriprise. The interview was based solely on testing my ability to sell something to a client that they did not want. They used a sales pitch for travel rather than financial, using an employee to test how I could convince them to go on a trip that they did not want. They figured if I could do this, financial conviction would be no problem. STAY AWAY FROM THESE PEOPLE. There are many honest CFP's out there; don't use Ameriprise.

In March of '07 I was diagnosed with M.S. and could no longer work. I had a 401K which I wanted to move. I contacted Ameriprise, and they sent an agent. My wife and I decide to have him manage our money. The market started going down, and I contacted the agent. He came to my home and told me that he had been promoted and was giving our money back. He also said that he would still manage our money. He also said that he would move some investments around, but never did. Since then I have e-mailed him several times with no response. As of 1/14/08 my portfolio is down $9,200.00. That is about 15% of my life savings

Since signing up with Ameriprise, I have lost over $9,000.00 of my life savings and still cannot contact our agent.

On 02/28/2007 I called my insurance company to add another vehicle to my policy and they told me I involved in an accident on 07/06/2006 and they put me at fault and paid to two other parties. This company didn't contact me before or after they made decision on this claim. I traveled on a three-lane road and one guy switched in front of me so fast and hit on the car in front of me. It causes lot of damages to his front end and other cars rear end. Since he took the space in front of me, my car barley hit his rear after I stopped my car. There were no damages on the front end of my car or his car's rear end. When I spoke with my insurance company they told I'm only responsible for the rear end damages of the car in front of me. I believed them and didn't follow up the claim since there were no damages on my car or other party’s rear end. This insurance company didn't inform me any thing else until I called and add another car to this policy. Ameriprise didn't even inform me before or after they settled this claim. Now my driving history looks bad and I have no idea how to fight with these people.

Back in April 15-2004 I opened an IRA Mutual Fund with American Express Financial Advisors Inc, In Plantation,Fla office. Now the Ameriprise Financial Services, Inc. After 4 months my financial advisor was promoted and from this time it has been a roller coaster dealing with Ameriprise. Since this change for more financial advisors were allocated to handle my account and each time I have asked to review and change my portfolio as the market has changed since the origination time, no one of the assigned advisors have done so.

All what they have done is to try to sell me other products such as life insurance, even in 2005 when I requested and paid for a personal financial analysis, it was not done, although the fee was returned but the time and aggravation that I have encountered it is like a nightmare. Can you imagine 4 time my financial advisor was changed. They claim that the reason is because they have been promoted. I do not believe it -- I think it is more a turnover or representatives.

To this day the last one that came I knew of her through a letter she send me about 6 months ago. I have not heard from her since then. May be my portfolio is too small for them to be interested in helping me adjust it to the new market conditions. I have been dealing with Wachovia Securities and I found that they are very profesional and they are helping me tremendously.

This company has totally mishandled my brokerage account. I am on my fourth financial advisor! I am not making near the return promised and the most recent blunder was a returned check on my account. The check was for $1,000.00. I have more than $11,000.00 in my account. The return letter said I have zero!! I then went online since it is after hours and see my account information has not been updated since 1/20/06 and my old advisor is listed!! They are now ruining my credit and they need to make this right and let me close my account!!