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Glad nothing bad happened. Take that as a win!
Something has been going on at Vanguard. Last year they turned their IRA accounts over to Ascensus to manage. Ascensus charges tons of fees and has crappy customer service. They are not set up to handle individual IRAs.
My IRA was partially funded by my employer, so Ascensus made my employer the account holder!
I made a QCD to one of the charities I support, and the check they sent had my ex-employer as the payee. The charity sent my ex-employer the 1099. I only caught it because I'm on good terms with my ex-employer and she called me and asked "WTF?"
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