<prompt> Human: I have a family member with a retirement account Traditional 401k that, upon deeper inspection, charges a ton of fees somewhere between 1-2 cumulative. After convincing them why this is such a problem, I started working with them to fix the situation. First, I had them open a Traditional IRA with Vanguard. Then I walked them through Vanguards process for transferring their holdings from the old company to Vanguard.After several days, Vanguard came back and said that some of the holdings would transfer in-kind, but some would not. They informed us of the process to go through the incumbent company, which we initiated. The incumbent company informed us to send a letter detailing the specific holdings we wanted to liquidate and they would transfer the proceeds from the sale to Vanguard directly, which we do.More time passed and Vanguard still did not receive anything from this company. After making some phone calls, the incumbent company is requesting more paperwork that is identical to the paperwork we already sent them. This runaround has been going on for about 2 months now. I think theyre just stonewalling my family member for as long as they can to get them to give up and just keep the account with them.What should our next move be? Can we threaten legal action? Is filing a complaint with the CFPB worth it? What recourse do we have?Assistant: I am curious as to why you cant just enter the trade to liquidate yourself either online or through the trade desk and then resubmit the transfer?Human: According to my family member, they dont have any online access and have to go through a broker for everything. Its fishy as hell.  <response>: Sounds kinda normal for managed funds 