Fidelity Investments complaint: Traditional and Roth 401 k rollover …Nightmare

Called to do a simple Rollover of my 401k to a bank IRA with the market volatility and I am retired no time to wait for a recovering market. I started the call explaining what I wanted to do with my money and why. Told the agent that I wanted the Roth money to be sent directly to me but I would need the remaining amount to be sent to my back for my benefit so that it would be a rollover and taxed later. I gave the agent the bank name FBO myself as the bank had instructed and the agent asked if I verified that they would accept it in kind. I said yes that is how they told me to have the check made out. I was baffled but figured that was how they had to ask if I wanted my money payable to my back with myself as the beneficiary.

A few days later I got an email saying the transactions were complete and when I looked half the money I was getting was not being sent so I called Fidelity and found out they had sent part of my money to a transfer agent as stock. I asked why and they said that I had asked for it to be sent in kind. I needed someone to explain what that meant and then how can it be fixed. Well Fidelity will not help me fix this and said they listened to the tapes and I agreed to in kind. They are slick and fast talking agents that are just causing me more headache than I need in my retirement years.