DO NOT DEAL WITH MORGAN STANLEY. It took me OVER 7 months to cash out an old 401k, they refused to change my name or address or tell me how much was in the account until I involved the Department of Labor. Here is my problem, when I finally got the statements the disbursement was minus $3,000, because of a fictitious loan I took out in April of 2009, now here is where it gets more interesting, the funds were added to my account under “Other” Contributions in March of 2009. I just received both statement, Morgan Stanley claims only the account administrator can do that and the administrator says he never did that. So I guess my question is, how do I find out why/hhow that happened, who is responsible, will I have to pay taxes on that money? Is this some kind of fraud?