Vanguard Reviews

I have tried multiple time over the past day or two to contact the "customer service" number at Vanguard so I can roll over my 401K. I have been on hold for 10 - 15 - 30 minutes with a message "all agents are busy - wait time is 5 to 7 minutes" (!), so eventually gave up. The "customer service" number I used was 1 800 523 9442 and one or two others when that did not work, but to no avail. I wonder if I should be even thinking of dealing with this organization to invest my money?!

My wife and I have been using Vanguard as a chief provider for our savings accounts for 30 years: Retirement, College, Personal. We were recently locked out of our college savings account. It took 20 phone calls and a certified letter to gain access to our account again. This occurred over a 60 day period. During this time, some idiot decided to blanket us and lock us out of the rest of our accounts. We were told that the notes on our account said we were posing as impostors. We have made numerous additional calls. There is never a supervisor available to speak with us. We have been given times to expect calls. The calls never come. Then they said we had to send another certified letter! We did and followed up with a call and instead of unlocking our other accounts, they rest our college account.

I have been trying to get a hold of Vanguard for the past week and end up being on hold for hours. Where is the sec enforcement people regarding protecting the consumer.

Customer service is not setup for quick or customer convenient resolution of matters. Phone calls can only be placed during working hours, tough for me to do. When you do call you go into a holding loop, first time after 40 minutes my phone was dead and I had to get back to work, second time it was about 20 minutes,. E-mail is a 2-10 day delay to get response for each email. Instructions are conflicting, in my case for a rollover I was told how to send and address check. After I mailed I received a phone from a representative who said 'Vanguard would not and could not' accept my check for legal reasons and I would to get new ones cut. Then Vanguard cashed the check and deposited into my account. At this point I am so frustrated. I still trying to get this money. Vanguard couldn't accept back to; I can invest at a broker who does have good customer service.

We have been Vanguard clients for over thirty years. Lately, we have been consolidating assets. Because of PAST good experiences we naturally chose Vanguard. Mistake! The higher level customer service numbers for larger accounts continually state that "Vanguard is currently closed" when it is absolutely not closed. Brokerage Reps can't answer questions. The entire situation is proving impossible.

Everything takes weeks to process. You call then wait on hold for 30-45 minutes in order to talk to someone who has no clue how to do anything. I have been trying to withdraw from my IRA for a month now, every time I call them I talk to some new 20-year old that has no clue what's going on and wants different documents. I keep sending them different signed documents. Still no money has been sent, meanwhile my account is losing money. I get an email every once in a while to contact them. I call them and get a new story every time.

Until earlier this year client services were generally very good at Vanguard. Then, suddenly the good people got promoted and the less experienced, read... know nothing reps moved in. Additionally, it was no longer possible to dial a number and be transferred to your reps phone. No. Now you push prompt 1, 2 or hold. And hold and hold. If you actually want to speak directly with your new inexperienced rep, then you're directed to make an appointment by going to their website! This is absolutely insane. I guess Flagship service is like saying Sewer service at this point. It also took them a month to do an institution to institution IRA transfer, after making me fill out paperwork twice. They are now totally clueless. Having funds with low charges is one thing, but providing zero competence to handle these funds is something else.

Absolutely the worst. Slow. Inaccurate. False promises. I brought my IRA money into Vanguard...a supposedly 10-day process. After 8 weeks, and still not getting my accounts set-up the way I wanted them...I finally gave up and transferred my funds to E-trade. Keeping true to the horrible Vanguard service, they are retaining a portion of my IRA, and not allowing it to be transferred to E-trade. Despite numerous phone calls, and false promises...it looks like things are going to get legal.

I created an online account for a traditional IRA on Oct 24. I was told to send in the paper work. I did. On Nov 14, I got an email about not receiving my paper work. I called and checked with them. They told me they did receive the paper work and it would need 7 business days and once the account has been created, they would send me an email. Today is Nov 21 and still have not received any information. I called them and they told me to call back another time and talked to someone else.

I submitted the required paperwork for Vanguard to roll over my 403B. Vanguard reported I didn't have the correct information. Then, after talking to numerous people at Vanguard, it was finally confirmed I did complete the correct paperwork; however, my ex-employer hadn't updated the plan administrator. I informed Vanguard the plan administrator had retired. I quit the job in March of 2013 and did not have access to the newest plan administrator information. Vanguard wanted me to update the plan administrator, but finally, after discussion with MORE workers at Vanguard, it was resolved that Vanguard would update the information.

I have had to call Vanguard multiple times recently about rolling over my retirement account. I didn't speak to one cordial person. Every call I had to wait a minimum of 20 minutes for someone qualified to help since the first person answering said they were not. Then the qualified person would remind me that I was on a recorded line, and when I answered that I was not married they would read from a statement warning me about the consequences of perjury. I was told initially that the rollover forms would be mailed and I would have to mail them back. When I inquired about electronic transfers and asked the Vanguard representative to hold while I called Schwab for routing numbers she hung up while the information was being read to me.

So I needed an emergency disbursement of funds. I can only say the whole mechanics of this disbursement was poor. First of all, the agent lack knowledge and the ability to give direction on how to handle issue. I needed a small amount. I asked that all taxes be removed. I stated how much I needed. I was disbursed lower than I needed. I feel since I stated the gross I needed, he should have had calculated that into the request to ensure I received the base. He told me I had to calculate myself the tax to be removed. What? This is not my only IRA. Second, I couldn't register my account because my name is wrong in their computer. So now I have to incur the cost of a notary to correct my name which has always been my name.

I have had a brokerage account with Vanguard since late 2015, just less than a year. The funds and their performance are excellent, and at the time I set up my initial accounts, the customer service was also excellent. I couldn't have been more pleased. All that has changed. I attempted to make another of the same rollover transactions that I had in the past and suddenly it is brain surgery. One phone rep somehow sets up two accounts instead of one and tells me I can fund it electronically. When nothing happens, I call again. This time I am told I need to fill out paperwork, so I do.

My accountant pointed out to them specific discrepancies in their statements and documents and we have been trying for over a month to get them to respond with answers and I keep wasting my time calling them and getting total run around. Never use this company for anything!

In July 2016 we sent two separate $6500 checks to Vanguard - Vanguard has all of our IRA's - for our 2016 Roth IRA contributions, along with explicit instructions & account information that one was the husband's contribution and the other was the wife's. Husband's contribution was duly recorded in Vanguard periodic summary; wife's never showed up. We phoned on 10 October to find out what happened to the wife's contribution, were transferred to the brokerage department, rep reviewed records and agreed that the $6500 check never made it to wife's account. Spent a fair bit of time on hold - twice - while rep made inquiries. Hung up eventually because the 2nd hold was waaay too long.

WARNING! DON'T EVER USE VANGUARD! I was forced to use Vanguard by my employer for a 401k plan. Since the day I started with Vanguard it never had a good experience, there customer service is HORRIBLE. The worst I ever dealt with in over 30 years. You will have to wait at least 10 minutes if you lucky enough to get someone on the phone and then another at least 10 minutes more each time you get transfer because the previous person does not know what he/she is doing. I have tried to terminate my service with them for over a month now and was not able to do it since they make a mistake and transfer my account to nowhere land. The people that they hired to handle your hard earned money are STUPID. DON'T EVER USE VANGUARD!

I recently opened a brokerage account with Vanguard. Almost as soon as I am done with the registration, I was told that I do not have access to the account and was directed to call their customer service number, at which time I was told that I had other accounts that was locked up. I have to wait one week for them to mail a form for me to fill out, then send it back to them before I can have access to my account again. Over the phone is impossible, plus, I do not know who are the people answering the phone. They are rude, arrogant, disrespectful, they really tried hard not to please any customer, but to annoy them, they tried to yell so that their voice could cover yours, and then asked you to repeat what you just told them.

I filled out all the forms to create an account and was told they would send some micro-transactions to my checking account in order to verify it. One week later everything was dead silent. No calls, emails, or any other attempts to contact me. After calling them it turned out there was some kind of error and they needed to confirm some things with me, but why did I have to reach out to them to find this out? Another week goes by and still no communication after my first talk to a rep. I sent them a 'secure email' using their message center, and got no response twice. After sending another email telling them I am fed up, I had a rep call me at 8 in the morning out of the blue.

The only reason I have Vanguard funds is through an inheritance. I will quickly move out of Vanguard as soon as possible. I submitted paperwork and Vanguard could only find it because I have the FedEx tracking number. Vanguard has had my paperwork for over a month, and still not implemented the requested change of ownership. I asked for copies of statements; Vanguard said it would post them on my account and mail them to me. Nothing was ever posted and I received the statement by mail a month after my request. Hold time are at least 30 minutes and, even then, I often have to hold again, and again, as my call is switched to the "appropriate" department. I never call Vanguard unless I have at least an hour open for being on hold. There are other, more user-friendly, mutual fund families to use and, these days, Vanguard is no longer "THE" fund to use for low cost fees. Bottom line: avoid Vanguard!

General Atomics retirement accounts 401k's accounts were previously handled by Schwab and switched to Vanguard about a year ago. I liked Schwab so much I started an personal account with them. They are very fast and responsive. Vanguard is horrible. You cannot reach anyone over the phone. Brokerage transactions are so slow it's pathetic. Whatever money they saved in the switch over it is not worth the headache for dealing with Vanguard. Vanguard is below sub standard. It's easier for me to schedule a HMO doctor visit than to deal with people at Vanguard. I am going to contact HR and complain. I am extremely unhappy with Vanguard and I am a very undemanding type of customer. I do simple things with my 401k.

I like Vanguard. It's been a good company to deal with. I've been pleased with the funds and fees. Vanguard began using HSA Administrators as a major custodian for their HSA business which in my opinion and experience was a very big mistake for clients. I have had nothing but bad experiences with HSA Administrators. HSA Administrators gets a lot of business by claiming to be an arm of Vanguard. Many other top notch HSA custodians deal with Vanguard as well as other funds.

Vanguard is too big. While their customer service reps are very nice and very friendly, expect wait times of 30 minutes if you want to talk to a live person and, unfortunately, if there is a problem to resolve, it likely will not be resolved through only one call.

This has ranked very high among the most moronic experiences I have ever had (and I'm nearly 73). I called your client service for one simple question. I had tried to enter an order for BRESV and got an error message with the advice to phone an (800) number. I did so, with the simple question: "What does the error mean?"

VANGUARD'S RETIREMENT ACCOUNT SERVICE IS DISMAL. A year or two ago I had a negative experience with Vanguard regarding IRA transfers. Because Vanguard was then engaged implementing new procedures and I had contributed to the confusion I called it a wash and got on with my life. On June 10, 2016, acting on a need to re-balance allocations, I completed Vanguard's on-line form requesting a partial transfer of appreciated assets from an IRA in custody of one of my brokers, Wasatch Funds, to an IRA in custody of Vanguard. After printing it out, attaching a recent Wasatch account statement, signing the form in the presence of my bank's representative and obtaining the bank's Medallion Signature Guarantee, I walked the mailing to a USPS station.

I have recently tried to take out a hardship withdrawal to pay off medical expenses. I have contacted them at least seven times within the last month faxing papers, talking to people on the phone, faxing more papers because the first "weren't accurate", mailing papers, etc... This company is 50 times worse than dealing with your local DMV! I would not recommend Vanguard to anyone out there. They are next to impossible to deal with, even when it's your money that you're talking about. If I didn't have to give them one star I wouldn't give them any at all. Grrr.

In trying to create an account, I ran into a problem and had to call Vanguard for clarification. My questions were met with exasperation and impatience. The representative treated me as if I were wasting her time, and even tried to hang up on me before I was done asking about the account creation process. She made no attempt to address my concerns. The most frustrating part was that, after hanging up with the Vanguard representative, I discovered a solution to my problem. So my problem was solvable, the representative just had no interest in trying to work with me. Even though I did find a solution to the problem, I will not be completing the account creation process, as I was so put off by this whole experience. Furthermore, the website is a disaster, with every fifth click or so leading me to an error that would then require me to sign back in. Overall, my experience with this company has been frustrating and discouraging. Do not recommend!

Trying to buy a home and I need to withdraw the money from my 401K. Send everything they needed. They stated additional info, needing MISSING pages. There are NO missing pages. When I call the people that answer the phones can CLEARLY see in their system the info they need from me IS THERE but for some reason the person actually processing my request can't. I spoke with 2 people last week who stated that they can see the info and they will send an email for my request to be re reviewed. I was told if I do NOT get a call back within 3 business days then my paperwork is moving forward, but if I do get a call back they will let me know what is still missing.

I was a Vanguard fan for many years. In the last 12 months I have become extremely disappointed with them. I try to do something which should be very simple, like transfer funds from one account to another both of which I have full authorization. The transactions should take seconds. Instead they have to send me a form that needs to be notarized (a change of address). I do that and FedEx the form back. Days to process on their side. I complete that hurdle and then they say, "you need to have check writing authorization." Again, another form another notarization not discussed when I originally asked to transfer funds. Again back to the notary and again FedEx. They inform me a standard 10 day queue. This is just one of about a dozen similar examples with them over the past 12 months. Very very disappointed.

The company my husband works for recently sold, requiring us to roll his previous 401k from Fidelity to Vanguard. We needed to do this quickly, as we wanted to borrow against his 401k to purchase a property for my disabled father. We contacted Vanguard to see what was required and we reassured that if we overnights our check to them they would get it into his current 401k and that after the check was processed, we could have it into our personal account by the next business day. I thankfully overnights a very large sum of money to them this past Tuesday (costing us $71), and did it through UPS to assure I'd have a tracking number.

They have terrible customer service. I have been hung up on, lied to, and subjected to very condescending remarks. I have had problems with them in the past but this recent issue trumps them all. I am even more motivated to find another job just to be rid of them. They don't even know their own formulas and policies. As a result they are costing me more money waiting for them to provide information on my loan availability. I am so frustrated at this point I would prefer using a loan shark. At least I know what's involved (you either pay the loan back or we break your legs). It's beyond painful when you are requesting a loan on your own money in which you yourself should have a right to.

I had taken most of my RMD back in July but still needed to take the remainder before December 31. On December 29 I called Vanguard and requested the remainder of my RMD to be sent to the IRS. In other words 100% to the IRS. I was shocked when I received a paper check that indicated 10% had gone to the IRS and 90% to me despite that my account is set up so that all money sent to me is electronically deposited in one of my checking accounts and aside from the fact that my order was that 100% was to be sent to the IRS. Then on top of that "mistake" on December 31st shares totaling the identical amount were again withdrawn from my account.

I called Vanguard to get some initial information about setting up an account with them. I am retired and looking to invest in a low-cost, reputable institution. I had a prepared list of questions which the initial rep felt should be answered by one of their investment advisors. The rep scheduled a call between me and the advisor for the following week and asked that I send to Vanguard a list of my current investments in order that they could tailor their advice to my specific needs. I was told that I qualified for this investment advice because I have a million plus portfolio. Now I know that a million ain't what it used to be, but still, I was very surprised to have a "no show" for the scheduled call. I sent an email to the original rep and left him a voice mail that I was still waiting for the scheduled call.

I received a letter from Vanguard regarding money in a retirement savings plan distribution options from the company I worked for 17 years. Since I was unsure how to proceed in this matter, I spoke with a Vanguard rep to find out how much money I would received monthly from the annuity I wanted to set up. First he asked was I married (yes) then do I want to go with Vanguard for my annuity. I told him I would make a decision about who would handle the annuity later, I wanted to know how much I would receive.

April 14, 2016. I just received another 2015 corrected Year-End income tax statements today via mail after my income tax returns was sent out to IRS. Those statements were dated April 8, 2016 and was the 3rd received. Aren't they supposed to send the statements by March the latest according to the rulings??? Why didn't they send via express or send alert email??? The 1099-Div shown corrected ordinary dividends, Qualified dividend & foreign tax paid; all were more than before. That means I was under filed. Don't know what IRS would do. If they fine me, I would want Vanguard to pay all charges and pay for the amendment tax returns. They made similar mistakes in 2014. I have to worry about my investments in Vanguard.

We are at a loss... My husband has been with his company for over 20 years and their 401(k) plan is administered by Vanguard. Several years back he had taken out a loan which he paid in full in June 2015. Vanguard's plan rules do not allow another loan for 12 months after payoff of any previous loan. We recently moved and are in a crummy apartment, so when we were approved for and found a home, we were ecstatic! My husband called Vanguard who initially told him he had $31,000 available for a hardship, but later told him he could only take out the money for cost related to purchase and we needed to submit supporting documents. So, we did everything they told us: faxed documents, mailed documents, promptly followed up to every message on the account...

I have been with Vanguard for nearly 10 years. When I first went with them, they were very good, they had true professionals who can properly handle an investment account and provide very good service. However as you can see with the mounting complaints on ConsumerAffairs, I am observing what many others are observing and that the service I have experience is horrendous. Hold times are very very long, when I complained about being on hold forever, a representative hung up on the phone on me. This I have no doubt in my mind was intentional as when I expressed with my dissatisfaction with a very frustrated voice, he said "Don't talk to me like that". Then next thing I know, he click the phone shut.

Tried to get the Vanguard funds transferred to my account. It's been three months, have gotten nothing but cold response and no remedy. I gave up but believe they have to be reported to NASD for not responding to my questions in a matter that's satisfactory. All the other brokerage firms are so much better, E-trade puts them to shame. Hate Vanguard.

I am so disappointed in my recent experience with Vanguard customer service. I feel that I submitted all paperwork correctly for my withdrawal according to the information on Vanguard's website and on the form that I filled out. Customer service person was rude and sarcastic and just kept repeating that what I had submitted was not acceptable and that I should resubmit it via FAX. When I tried to get more information about what was wrong with what I had already submitted, I was told he could "read the statement to me again" as if I am not intelligent enough to have heard him the first time.

I thought I was alone in my experience of rude and inept Vanguard reps until I came across more complaints. We've been getting the run-around just terminating our 401K and rolling the money over into an IRA account. It's taken over 6 weeks. We've called 4 times and finally were sent some papers but they weren't all the papers that were needed. Just got off the phone with a rep named Maria. She started out by saying "let me educate you..." and then laughed in a strange way. I'm thinking we should just pull the money out completely and go somewhere else.

It's hard to believe that it takes 20 business days to update the new address in the account. I have a rollover account and employer-sponsored account with Vanguard, the employer-sponsored account receives the current address from payroll and is up-to-date. Unfortunately my rollover account does not reflect the new address. I was under the impression it will be easy for them to look at the feed from employer, verify the information and update, so I called them and explained, I was told it does not work that way. I had to go through the paper-based address change form, get it notarized and send to them - I even did that.

Trying to get money out of 401K for down payment of house. They say you can only fax the request (very archaic way of doing things these days) so we fax and then 3 days later, they call to say they can't read it. The copy is so poor (or their fax machine is old and inefficient) so I fax a new, very legible copy and now they say have to wait another 3 days. I ask questions on how they determine how much I can take out and NOBODY CAN ANSWER THE QUESTION. So I ask, "Can I speak to someone that can answer the question?" and I am told NO, that department does not talk to anyone.

As a financial institution, Vanguard has the worst customer service - it is slow and inefficient. I was requesting to rollover my 401(k) to another institution, and it didn't allow me to do it online. Then I called the customer service 4 or 5 times just to figure out how - none of the calls managed to process the transaction and each time there was a different error. I was told that I didn't have my PIN activated. So I had it activated and the system still wouldn't let it through so they said "Oh it has nothing to do with the PIN." Finally someone said he could do it over the phone (because guess what? You can't request a paper form but you can't do it online either) and apparently I needed to have the address of the other institution ready.

Vanguard does not care about its customers at all and make it exceedingly difficult to do anything. I just needed to change my last name due to marriage and have been able to do this with SSN, driver's license, passport, and all my banks and other investment firms. I cannot at Vanguard. They are not helpful at all and act condescending on the phone. I have given all that I should have to document the change but they cannot put two and two together. IT is ridiculous to me how they treat their customers. DO NOT invest with Vanguard - they don't care about you at all.

Vanguard customer service takes weeks to process simple account forms, if they receive them at all. They also don't respond to Client contact us submissions forms within their "please allow 48 hours" response time; it usually takes a week or more. They also are behind the times technologically, relying solely on snail mail to get anything done. Does anyone at Vanguard management read these postings???

My employer resolved the issue with Vanguard.

I recently requested a hardship withdrawal to pay for my son's braces. I requested the hardship in Nov. Didn't hear back from Vanguard until 12/8/15, requesting more paperwork. After submitting all the necessary paperwork, I still didn't hear back from Vanguard. I finally called them after waiting another week and they told me they couldn't give the amount I asked for but can only give me half. I sent them the paperwork showing how much is needed to start procedure, but they don't care. I'm just so fed up with this company.

The people who answer the phone to assist and answer important questions appear to be from a work study program. While the fees may be low, it is expensive in time & frustration to the customer. No less the costly mistakes. I've been on the phone with them for 2.5 hours this afternoon, much of it on hold.

I tried to open an account. According to their website it should be a breeze. Well, this breeze took over 4 weeks and in the end I decided to take my business elsewhere. After 4 phone calls, 2 faxes in and multiple emails, I concluded the following: the people at Vanguard are totally incompetent and don't know what they're talking about even though they might sound like they do. For instance, they told me I couldn't link my bank account because the name is wrong. I checked my application, they were right. I get a mail from them and I found that not only did they misspelled my name, but they also misspelled my husband's. So between me filling out the form online to them entering into their systems, someone at Vanguard (maybe they hire high school students) made a mistake, causing me the headaches of faxing them forms that I had to notarize.

We paid for a blazer to be shipped next day air and paid almost $55/00 on Thursday morning. The blazer will not arrive until Monday which is useless to us as we needed it for Saturday. Will find another place to give my business to. Their customer service is the worst!!!

My mother recently changed her POA to be me, her daughter. This was all done at great expense through an attorney who specializes in estates and elder care. Several years ago, I set up a user profile for her to have access to her Vanguard accounts, as well as her other bank accounts. When she wanted me to assist her with her finances because she was becoming confused by it all, I thought the proper way to do it would be to let Vanguard know of her new POA designation. When I contacted Vanguard to properly correct her account info (rather than just use her online login info and pretend I was her), they advised me of the forms I would have to complete, have notarized, and submit to them. I wanted to do everything "on the up and up" so I complied with their instructions.

Well, we need to take over our grandmother's account. We have a court order and the client services supervisor, Jamal **, just gives us the runaround. We have sent in the form only to be told it's the wrong form to be sent, the exact same form in the mail. We notarized both forms and overnighted both forms ($50.00 cost so far). When we called this morning, we were put on hold over and over for 1 1/2 hours!!! Now they say we need a letter from her Dr. on original paper. They should of said that originally. I think they try to not help you by creating roadblocks over and over. We only have 60 days to complete this. Also, a letter from her Dr. was taken to get the court order!!! Meanwhile, my Grandmother can't pay her rent and may be evicted, and THEY DON"T CARE!!!

It took four tries, and 3 trips to the notary public, to get an account transferred and online. Even the agents were not clear on which forms I needed (not to mention what the forms were requesting). When there was a problem, they didn't contact me - I had to call and see why the account was not opened. I never had this problem at Fidelity.

I literally just had a trust set up days before mailing Vanguard my check for proceeds from house sale, which must be done through snail mail because you have to mail the legal paperwork. Afterward, I was notified I have to fill out a W-9 and send that snail mail too. Check was mailed 7/22; W-9 was mailed within 7 days of that. On 8/17 I was informed my check was mailed back to me because I didn't fill out the W-9 with the same "Name" as the trust. No phone message, no email and nothing in the mail (since that seems to be their preferred method of contact) to notify me of the need for yet another W-9. Of course the lady on the phone was apologetic, but apparently they are not there to help anyone open an account. If you open an account here, don't expect to ever get an email and be sure to sit by your phone all day in case they call because they won't leave a message!

I call them to report that I got an email that appeared to be a phishing email which I simply deleted. They thanked me by freezing my accounts and notifying me of that 2 weeks later by mail. No explanation in the letter as to why or directions as to what to do. 6 phone calls later over the course of 2 days, I was unable to get my accounts unfrozen. I was lied to, made to hold for inordinate amounts of time, told I couldn't talk to the "fraud unit" and basically told a bunch of other nonsense. However, it turns out my accounts weren't frozen via the phone and I was able to just simply orally sell my accounts. Pretty poor way of doing business.

No longer an issue because I plan to move it.

They seemed good while I was working and adding to the account -- but after I retired and tried to draw on my money, there has been nothing but problems. Customer service is useless; all they can say is "NO." It's been eight months of back and forth and I'm yet to receive a penny of my money from them. They demand forms, then ask again for the same forms over and over again. Their policies and procedures are designed to make it as hard as possible to satisfy them -- and then they'll just deny you for the fun of it.

Won't provide account number or any information on my money. Won't provide updates on QDRO account being moved/"processed". Told it will take one day after being processed - we are now at weeks. No information. Refuse to provide redemption paperwork despite asking more than once. Every time I reach out to **, they respond back with "For further questions please contact 1-800" but in order to speak to a person on that 800 number you need an account number. Their titles are senior client service people and yet I'm receiving no customer service.

When I opened my accounts it took me 20 calls, hours on the phone and two months to open my ira, roth, 401k. They kept making mistakes like crazy. For the last year I keep getting mail from them. I keep returning the mail and call them to set me for electronic delivery and they say it is done and a month later I get paper mail again. I talked to 20 different people about not getting paper mail and they are TOTALLY INCOMPETENT. And when I return the mail they block my account and then an idiotic message on my screen says "You are seeing this alert because your account may be turned over to the state as unclaimed property unless you contact us immediately at 1-877-662-7447." It is the year 2015, they should stop wasting paper for statement delivery. Every time they send me paper ANYTHING they should pay me $50 for my time to open the thing, read it and shred it.

I have been trying to open a 401K at Vanguard for the last 3-4 weeks. I initially called Vanguard in early January to see what I need to do to open a 401K pooled account. After having to go to various departments since no one seemed to know if they did individual 401K, I got the correct department. I then spoke to someone, asking all the steps that need to be done and all the correct paper work. I filled out the forms and had our administrator of the 401K program at work send in the forms. After 10 days when I had not heard from them, I called. At first, they were unable to locate my paper work, stating that they were behind in opening the mail since they were overwhelmed at the beginning of the year. Then they found my paperwork, but I found out a few days later when I called to check the status of the account that they had overlooked the attached check and no one processed it.

This company has failed to process my sell transaction for close to a week now. Back on September 12, 2014, I made a sales transaction online and the company was previously told to update my account to reflect the proper bank account. They failed to do so. I called on 9/11 to have the sell deposited to the correct bank account and they do not want to admit it was their fault.

I've been trying to get a hardship withdrawal from Vanguard to purchase a home. I've adhered to all of their requirements and they keep giving me excuses and nothing concrete of why my money can't be withdrawn.

I called Vanguard to sell my mutual fund. I asked 3 times what the price I would receive and was told 3 times it would be 15,057.50. Based upon that information I told them to sell. Two days later I received a deposit for 14,732.42. When I called I was told that the person told me the wrong number. The call was recorded conf# **.

I went online on Vanguard Website and did 3 transfers within Vanguard problems. I had no problem with two transactions. But the third transactions was transfer of funds from Vanguard European Index Fund to Vanguard Healthcare Fund. I got an error saying the Vanguard Healthcare Fund was closed. I had an existing Vanguard Healthcare Fund account. I knew the fund was closed to new investors but not to existing account holders.