Morgan Stanley Bank Account Or Service Complaint

Morgan Stanley Bank account or service department,

Other bank product/service Deposits and withdrawals New York

I over the period of about 10 years basically wiped out my Rollover IRA. This was done via email through Letters of Authorization. I was never informed by the brokers at - - - and then Morgan Stanley that these early withdrawals would be subject to early withdrawal penalties. In addition, this year when I got very ill and my wife took over via a POA she discovered that the Broker never contacted her about these withdrawals even though it is a joint Financial Management Account.