Lost all my Gil

Time: 8-9 PM EST 2/12/16
World Name: Cactaur
Character: Raea Friel
Retainer name: Basttreoir
NPC: N/A
Monster Name: N/A
Class/Level: Rogue lv 60
In-game time: unsure
Area and coordinates: Mist ward 3
Housing: N/A
Steps:
1. I logged in on my character after waiting two days for my word transfer to go through. When finally I did I went to get the 1.4 mil out of my retainer and instead was greeted by my retainer only having 100K in his inventory. I had double checked everything before going through the world transfer and am sure I had a bit over 1.4 mil in gil stored. I saw before this that only a million gil can be transferred while it is on your character, and that is why I put it on my retainer.

I'm guessing you didn't read the part that says your retainers can only have 100k with transfers.
You are out 1.3 mil, nothing to be done.

Yep, you as a character can only have 1 mil but each retainer is only allowed 100k.