Options Express G Bracco, Cash Manger Refusal to process an ACH withdrawal with false IRS rules required Claim Internet

This past week, I sent an ACH withdrawal request for my Roth IRA to Options Express.  I asked for $ 205.00.  I received $ 82.04.  When I asked why I had not received my full withdrawal, I received a calculation from G Bracco, the cash manager that was supposedly an IRS required calculation. She quoted a page inside the IRS information publ  590A.  page 38.  for backup for her calculation.

IRS publ 590A  page 38  states clearly that this calculation is for Traditionsl IRA's only.  I reply with that information.  It takes several emails to get a response that finally states the Roth IRA's page 44.

I look at that page.  That page is a form to assist ME in calculating my allowed contribution.  It does not state any form to calculate my withdrawals and includes items from my income tax return.  I email back that my income tax return is none of their business.

She refuses to send me the full withdrawal.  I have to do another withdrawal form.  I refuse and tell her that I will not do that and if she does not send me my full withdrawal the next day, I will close my OX account and move everything to my Schwab accounts.

I decide to go review the withdrawal process and discover the withdrawal process has been changed since I made my first withdrawal form.  It now states that if you withdraw funds that brings your account down below $ 200, that OX now requires that you take everything out and pay a $50 distribution FEE.

I regard this information to be rather significant.  Why would a large brokerage firm be so needy to keep my money in my account and try to steal $50 from me.  I knew then that something is very wrong here and I have started the process to get all of my funds OUT of OX and into Schwab.

Please take a moment to let this information sink fully in.   They blocked me from getting $205 of MY money.  The reason given is bogus and not truthful.  There are NO IRS rules on withdrawals on ROTH IRA's - there are no income tax effects here.  ROTH IRA's contributions have no income tax effects.

Sincerely,   a lady who is an accountant and works at H&R Block during tax season