FINR
FINTECH SCION LIMITED
stock OTC

since I can only speak to salesmen through NET BENEFITS I am posting here, FINR and SEC
**Subject:** Formal Complaint – Bundling of Administrative Request With Advisory Solicitation
**Date:** 2/23/2026
**Account Number:** fidelity please reply
To Whom It May Concern,
I am submitting a formal complaint regarding a phone interaction that occurred on 2/12/2026.
I contacted Fidelity solely to obtain a spousal consent / beneficiary change form. During the call, the representative initiated an unsolicited advisory discussion by stating, “I saw something in your account,” and attempted to engage me in a conversation about moving assets.
I did not request investment advice. My call was strictly administrative in nature.
While the representative ultimately provided the requested form after I repeatedly declined discussion, I object to the practice of routing mandatory administrative functions through licensed representatives who are incentivized to initiate advisory conversations.
This design creates a structural conflict of interest. When essential retirement account paperwork is only accessible through revenue-generating personnel, it increases the likelihood that less sophisticated or more deferential clients may be drawn into advisory engagements they did not intend to pursue.
Retirement account administration should be accessible without exposure to sales solicitation.
I request:
1. Written clarification as to why beneficiary change forms are not directly accessible without sales contact.
2. Confirmation that my account is coded for no proactive advisory outreach.
3. Documentation of the compensation structure applicable to representatives initiating advisory discussions during service calls.
Please confirm receipt of this complaint and provide a written response.
Sincerely,
Rob Barracano

since I can only speak to salesmen through NET BENEFITS I am posting here, FINR and SEC
**Subject:** Formal Complaint – Bundling of Administrative Request With Advisory Solicitation
**Date:** 2/23/2026
**Account Number:** fidelity please reply
To Whom It May Concern,
I am submitting a formal complaint regarding a phone interaction that occurred on 2/12/2026.
I contacted Fidelity solely to obtain a spousal consent / beneficiary change form. During the call, the representative initiated an unsolicited advisory discussion by stating, “I saw something in your account,” and attempted to engage me in a conversation about moving assets.
I did not request investment advice. My call was strictly administrative in nature.
While the representative ultimately provided the requested form after I repeatedly declined discussion, I object to the practice of routing mandatory administrative functions through licensed representatives who are incentivized to initiate advisory conversations.
This design creates a structural conflict of interest. When essential retirement account paperwork is only accessible through revenue-generating personnel, it increases the likelihood that less sophisticated or more deferential clients may be drawn into advisory engagements they did not intend to pursue.
Retirement account administration should be accessible without exposure to sales solicitation.
I request:
1. Written clarification as to why beneficiary change forms are not directly accessible without sales contact.
2. Confirmation that my account is coded for no proactive advisory outreach.
3. Documentation of the compensation structure applicable to representatives initiating advisory discussions during service calls.
Please confirm receipt of this complaint and provide a written response.
Sincerely,
Rob Barracano