MSSB increased their fees without clear notice in a manner that most investors would understand. There were also disappearances of small amounts from my account, with codes nobody seemed to understand. Then suddenly, without clear notice, they started selling securities to cover a new "low balance" fee. Nobody explained that I could combine my accounts to have what they now consider a suitable balance. They have lost money for me and charged me more to do so. They do not answer my questions about where my money is going.