I started my new job on April 1, 2019 and at the first meeting with my manager I asked my new manager how I could dis-enroll or un-enroll from the 401K plan rather than be auto-enrolled @ 4%. He didn't know and he would get back to me. Through the entire month of April, I repeated my request several times and received the same response.
In May, I decided to be proactive and I contacted Merrill-Lynch (the administrator of the plan) and the CSR assured me that I would not be enrolled and that no money would be deducted from my paychecks.
Despite all of this my last paycheck showed a deduction of 4% that I was not expecting. So I contacted Merrill-Lynch CSR again and told them that I want to reduce my contribution to zero and to have my contribution refunded.
He mentioned that, since I'm over age 59-1/2, I can withdraw the amount deducted with no tax penalty and get it deposited to my bank account, but I am not sure I can trust that.
Today I called Merrill-Lynch again to check on it and the CSR today told me that he shows a zero balance in my account and he doesn't know where my money went or how I can go about getting my money back.
I'm getting no help from Human Resources at my employer.
Any advice on how I can proceed?