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| - I have been at Schwab for almost 10 years. I few months ago I would have given them a 4 or 5 star review. But my experience over the last few months has changed that for sure and if I could I'd give them a 1/2 star. First let me start by saying I'm recently physically disabled after I was in a motorcycle accident where a car hit me at almost 50mph and threw me 20ft into pavement. Before the accident I had my own business training pro and college athletes. The accident did some serious damage I lost part of my foot and I'm unable still to wear a shoe and it's difficult for me to get around. So I began trading since it was right there and already set up from before the accident. I seemed to do it well enough and it had been a way that I found to support myself and bring in an income for the last couple of years. It's really the only thing I'm able to do without creating some at home business that I have not even looked into since my focus has been surviving and rehabilitation and continued resulting illnesses. This worked and given my situation it's really the only thing that does or did up until the end of September when the Streetsmart Edge platform froze on me and I was unable to enter my sell order. I was having a great day and was up a pretty good amount of money and was ready to sell to lock in my profits. I'm clicking on the screen and nothing. I check my computer it's working fine but the application is not responding. I force quit it and go and restart the application and by the time it comes back up not only is the profit I was going to make gone but I'm down a lot of money (to me anyway)as well. I'm very upset say the least and to add insult to injury waited 32 minutes on hold before hanging up.
I waited to see what would happen and nothing did it pretty locked in at a price and stayed there the rest of the day. I tried Schwab one more time and was on hold forever, again. I didn't really know what to do. Being on hold for another half hour was making things worse. The problem was I had used Margin to buy some of the stock. I had never had a real issue with using it and I traded very simply and relatively conservatively. I was supposed to sell out of a certain percentage of it by end of day but I didn't want to lose the money from it and figured it was their platform not working, they could check the records with the tech department to see I was telling the truth and it would be straightened out and all would be fine. That was based on the trust I had in the company prior to that day. I couldn't even begin to imagine thinking that way after experiencing the last few months of hell mostly due to a Client Services "Advocate". She was no advocate for anyone other than the Charles Schwab company. I had written an email to 2 executives at Schwab and they had responded by having her contact me a day after I had sent the email.
I have dealt with Client Advocacy before and it was a completely different experience. The exact opposite of my experience than with her.
The next day I waited anxiously and hoped for the stock price to go back up. I hadn't spoken with Schwab yet. I wasn't that worried because I had 98% of the money I owed for the Margin in umarginable stock in my account to pay for it if they required me to. Apparently, according to this Client "Advocate" or how I think of her as the "Lead Vest" unmarginable stock has no value.(??? )It's not good enough, apparently. So, 20 minutes before the close of the market the stock was liquidated at a huge loss. Even without adding it to the loss I had from not being able to sell it, it was significant to me. It basically, put me out of business and a way to earn a living. I had no other options and they did not care. Surely, they would see that none of this should have happened and make it right. Right? Why did they liquidate it? How come nobody spoke to me before doing that? I figured they probably didn't realize the stock was in my account because 2x before they had missed it and corrected the problem. Liquidating someone's account or part of their account to me is the "Nuke em from Orbit" solution. It's what you do when you have no other options to take. I guess they had run out of options and I've run out of space so I'll finish up with saying It hasn't been resolved. Well, let me correct that with to me it hasn't been resolved but according to "Lead Vest" Schwab is not going to do a thing. She hadn't returned any phone call of mine for over 2 months and in the last conversation where she pronounced her judgment she alluded to me having a gambling problem, being mentally unstable because I was still pursuing this, as well as a few very choice things that I will not repeat on here. It was the most twisted experience I've ever had with another individual in a business type situation and the most insulting. After being a client for nearly 10 years and having done 800 trades in the 6 month time period before that I..
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