TIAA-Cref

I have a retirement account with TIAA-CREF and have been working since Nov 2023 to initiate my pension payments in Mar 2024. 3 Times I submitted paperwork provided by TIAA Agents to initiate the pension payments. Only to be told by another agent that the previous agent was wrong and something needed to be resubmitted. Their complicated contract and plans and lack of training in personnel is causing me much angst. Now a 4th agent is saying this will work now once we resubmit the request. It was because there were mutual funds in my account and they could not be annuitized. This arduous and stressful process has been fully TIAA-CREFs issues. My recommendation is to avoid them at all costs.

I am writing in response to correspondence from the Revdex.com to TIAA-CREF regarding the accounts of [redacted] The TIAA-CREF funds of Ms [redacted] are contained in two Transfer Payout Annuity (TPA) contracts which provide ten annual payments over nine years and a dayTIAA-CREF business practices permit a one-time payment advance for TPA contractsAt her request advance payments were provided for contract **35Pin March and contract **52Lin July 2013, TIAA-CREF requires a signed Authorization and Release document indicating client understanding and agreement with the terms of the TPA advanceThis release states, "This advance payment represent a one-time accommodation to the Annuitant and no similar adjustments and/or payment accelerations will be made in the future"Ms [redacted] provided signed Authorization and Release documents to TIAA-CREF for both prior advances The TPA payments from contract **52Lare currently scheduled to occur in JanuaryTIAA- CREF processes these payments on the first business day of the month and sends the payment the following business dayIn 2015, since a weekend intervened between these days, Ms [redacted] ' payment was sent by Electronic Funds Transfer on January I hope this information is helpfulPlease feel free to contact me directly if you have any additional questions concerning this matterI am available front a.mto 4:p.m(MT) at 842-2733, ext [redacted] Sincerely, Michael [redacted] SrCustomer Resolution Manager Customer Care Team

Complaint: [redacted] I am rejecting this response because: IT IS BASED ON A COMPLETE LIE!I DON'T NEED TO HAND OUT A PHONE NUMBER TO MY BANKS, SO LYING AND SAYING IT'S FOR SECURITY IF BASELESS AND FRAUD!I MADE IT VERY CLEAR I WAS LEAVING MY EMPLOYMENT AT THE UW, SO MAIL ME THE FORMS.I DID NOT NEED TO PLAY WITH THE PHONE TO LOG IN BEFORE, SO AGAIN, THEY LIE.OH EVERYONE IS ON THE PHONE SO LETS MAKE IT NECESSARY TO BE ON THE PHONE TO LOG IN ON A COMPUTER.SO IT IS NOT FOR SECURITY THAT THEY "NOW" REQUIRE USING A PHONE TO LOG IN, IT IS TO APPEAL TO THE 'LIVING ON THE PHONE ALL THE TIME' DEMOGRAPHIC Sincerely, [redacted]

I am writing in response to correspondence from the Revdex.com to TIAA-CREF regarding the accounts of *** ** ***
The TIAA-CREF funds of Ms*** are contained in two Transfer Payout Annuity (TPA) contracts which provide ten annual payments over nine years and a dayTIAA-CREF
business practices permit a one-time payment advance for TPA contractsAt her request advance payments were provided for contract **35Pin March and contract **52Lin July 2013,
TIAA-CREF requires a signed Authorization and Release document indicating client understanding and agreement with the terms of the TPA advanceThis release states, "This advance payment represent a one-time accommodation to the Annuitant and no similar adjustments and/or payment accelerations will be made in the future"Ms*** provided signed Authorization and Release documents to TIAA-CREF for both prior advances
The TPA payments from contract **52Lare currently scheduled to occur in JanuaryTIAA-
CREF processes these payments on the first business day of the month and sends the payment the following business dayIn 2015, since a weekend intervened between these days, Ms***' payment was sent by Electronic Funds Transfer on January
I hope this information is helpfulPlease feel free to contact me directly if you have any additional questions concerning this matterI am available front a.mto 4:p.m(MT) at 842-2733, ext***
Sincerely,
Michael ** ***
SrCustomer Resolution Manager Customer Care Team

I am writing in response to correspondence from the Revdex.com to TIAA-CREF regarding the accounts of [redacted]
" LETTER-SPACING: -0.6pt">The TIAA-CREF funds of Ms[redacted] are contained in two Transfer Payout Annuity (TPA) contracts which provide ten annual payments over nine years and a dayTIAA-CREF business practices permit a one-time payment advance for TPA contractsAt her request advance payments were provided for contract **35Pin March and contract **52Lin July 2013,
TIAA-CREF requires a signed Authorization and Release document indicating client understanding and agreement with the terms of the TPA advanceThis release states, "This advance payment represent a one-time accommodation to the Annuitant and no similar adjustments and/or payment accelerations will be made in the future"Ms[redacted] provided signed Authorization and Release documents to TIAA-CREF for both prior advances
The TPA payments from contract **52Lare currently scheduled to occur in JanuaryTIAA-
CREF processes these payments on the first business day of the month and sends the payment the following business dayIn 2015, since a weekend intervened between these days, Ms[redacted]' payment was sent by Electronic Funds Transfer on January
I hope this information is helpfulPlease feel free to contact me directly if you have any additional questions concerning this matterI am available front a.mto 4:p.m(MT) at 842-2733, ext[redacted]
Sincerely,
Michael [redacted]
SrCustomer Resolution Manager Customer Care Team

Dear Ms,
[redacted]:I am responding to the
complaint sent to the Revdex.com by Mr. [redacted] regarding
website access to hie TIAA AccountWe apologize for any inconvenience Mr.
[redacted] has experienced with our website authentication procedures,
Unfortunately, identity theft is one of...

the fastest growing crimes in America,
TIAA takes the security of our clients' information very seriously and has
implemented security procedures to protect their accounts.In order for
Mr. [redacted] to have access and manage his online account, we need a valid home
number or cell phone number in our records to send him a one-time
identification code, Unfortunately, the home phone number in our records and
listed on the Revdex.com complaint is a former landline number Mr. [redacted] confirmed
Is no longer valid, Additionally, Mr. [redacted] said that he did not have an
updated home or cell phone number to provide us for our records, Therefore, if
Mr. [redacted] would like, we can disable his online account. However. that would
mean he would not be able to access his account even if he did give us a valid
phone number.Since filing his complaint with the RevDex.com, I have spoken to Mr. [redacted] through a general work number
and confirmed that the email we sent through his online account May 16 was an
email confirming the address change he requested. A copy of that email will
be mailed to him along with the withdrawal forms he asked for in his complaint.Currently, the retirement
plan accumulations Mr. [redacted] has through the [redacted] are
not available to him, In accordance with the [redacted]'s plan
rules, Mr. [redacted] is not able to withdraw these funds because he is still
employed, The accumulations would be available for withdrawal or rollover once
he terminates his employment with the [redacted] or reaches age 59. Additionally, we have informed Mr. [redacted] that if withdrawn, retirement
plan accumulations are generally subject to a 10% early withdrawal penalty
unless certain conditions are met.However,
TIAA is not able to provide tax advice. Therefore, Mr. [redacted] may want to
consider speaklng with a tax advisor about hie specific situation.We again
apologize for any inconvenience this may have caused Mr. [redacted] and
appreciate the opportunity to address his concern. We value hie feedback about
our website security authentication process as It has been shared with our
management team.If Mr.
[redacted] has any additional questions, he can call me at (800) 842-2733 ext.
[redacted] or email me at [redacted]@tiaa.org. He can also contact our National Contact
Center at 800 842 2252, Representatives are available to help him Monday
through Friday from 8 a.m. to 10 p.m. ET and Saturdays from 9 a.m. to e p.m. ETSincerely,Michael
B[redacted]Sr.
Customer Resolution ManägerCc: [redacted]

Complaint: [redacted]
I am rejecting this response because:  IT IS BASED ON A COMPLETE LIE!I DON'T NEED TO HAND OUT A PHONE NUMBER TO MY BANKS, SO LYING AND SAYING IT'S FOR SECURITY IF BASELESS AND FRAUD!I MADE IT VERY CLEAR I WAS LEAVING MY EMPLOYMENT AT THE UW, SO MAIL ME THE FORMS.I DID NOT NEED TO PLAY WITH THE PHONE TO LOG IN BEFORE, SO AGAIN, THEY LIE.OH EVERYONE IS ON THE PHONE SO LETS MAKE IT NECESSARY TO BE ON THE PHONE TO LOG IN ON A COMPUTER.SO IT IS NOT FOR SECURITY THAT THEY "NOW" REQUIRE USING A PHONE TO LOG IN, IT IS TO APPEAL TO THE 'LIVING ON THE PHONE ALL THE TIME' DEMOGRAPHIC.
Sincerely,
[redacted]

I am responding to the follow up complaint you received from Mr. [redacted] regardingwebsite access to his TIM Account.At TIAA, client account security is a top priority. Therefore, as explained In our previousresponse, we require a valid home or cell phone number In our records to send clients aone-time identification code to manage their account online. We apologize for anyInconvenience this creates for Mr. [redacted]. However, there are no plans currently tochange this procedure.I spoke to Mr. [redacted] again and confirmed that I previously mailed him the withdrawalforms he requested. However, Mr. [redacted] indicated that he had not received themyet. Therefore, I will mall him another set of forms. Both sets of forms will have beenmailed to the same Bellevue, WA address that Mr. [redacted] provided to me In May.If Mr. [redacted] has any questions, he can call me at (800) 842·2733 ext. [redacted] oremail me at [redacted]@tlaa.org. He can also contact our National Contact Center at 800842 2252. Representatives are available to help him Monday through Friday from 6 a.m.to 10 p.m. ET and Saturdays from 9 a.m. to 6 p.m. ETSincerely,Michael B[redacted]Sr. Customer Resolution Manager