I don't think this is a legal question, it's more of a customer relations issue. If you had a broker at Morgan Stanley, contact them. If not, contact their customer service department and get your questions answered.
Before contacting them, review the agreements you signed when you opened your account. Those are your contracts and they spell out the parties rights and remedies. Once you're familiar with your rights, contact them. When dealing with them, take good notes, or tape the calls, like they do, and make sure to keep track of the full name, title and direct phone number of everyone you speak with. Ask for copies of all documents that relate to your questions so you can see for yourself who did what and when.
Avvo doesn't pay us for these responses, and I'm not your lawyer just because I answer this question or respond to any follow-up comments. If you want to hire me, please contact me. Otherwise, please don't expect a further response. We need an actual written agreement to form an attorney-client relationship. I'm only licensed in CA and you shouldn't rely on this answer, since each state has different laws, each situation is fact specific, and it's impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue.
It sounds like they may have violated some FINRA rules. If they have and it cost you some money you may be able to get it back.
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if money was going in and out of your account, it sounds like your administrator may have screwed something up (loan, address, etc) and told MS to wait while the matter was rectified. I don't think the delay is on the shoulders of MS either, as the administrator would necessarily have to honor instructions coming from your brokerage firm. You need to make a demand on the administrator for your losses, which for something like this may be covered under a bond. The wire instrcutions for the $3,000 should tell you want you need to know.
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