Complaints

This profile includes complaints for Inspira Financial Trust, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Inspira Financial Trust, LLC

  2001 Spring Rd Ste 700 Oak Brook, IL 60523-1890

  
• 

  Millennium Trust Company

  8 Penn Ctr West Suite 101 Pittsburgh, PA 15276

• 

  Millennium Trust Company

  PO Box 940287 Plano, TX 75094-0287

• 

  Inspira Financial

  Omaha, NE 68164

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  have been trying to close out my *** account since 2020 and keep getting a run a round. Tried of the **** want my money plus 4 years of phone calls, writing letters, postage etc. For a total of $5,000

  

  Business Response

  Date: 06/20/2025

  Hi Dustin,
  Inspira Financial is in receipt of the complaint submitted
  to the Better Business Bureau. We understand your concerns are around taking a
  distribution. We apologize for any inconvenience you have experienced, we
  understand how important it is to have access to your funds. We are happy to
  help you with this process, a representative from our Executive Response Team
  will be reaching out to you for further assistance.
  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:06/19/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Inspira took over Payflex, my *** account approximately 2 years ago. I have had claims denied regularly since. In January 2025 I requested to close the account to pay off medical debt. After 3 months of communication and never received the check I asked that they cancel and reissue. The check was canceled and never reissued. Again I contact them on May 1st to inquire about the check reissue. Finally get a response back in early June that the check was mailed out on 05/21/2025 and that I need to allow 15 business days for it to arrive. They sent this email on 06/10/2025, 20 days after it was sent. At this point I dont think they have any intention of giving me my money.

  

  Business Response

  Date: 07/01/2025

  Hello ********,

  We apologize for the delay in receiving your final disbursement payment from your HSA.

  A representative from our Executive Response Team has been in contact with you, and will continue assisting moving forward.

  Thank you for your time and efforts.

  Sincerely,

  Inspira Financial

• Initial Complaint

  Date:06/17/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **** switched to inspria Financial Fsa, Every transaction with their debit card requires explanation of benefits(eob) for every charge. Submitted the statements, they locked my fsa debit card. I called talked to an agent again, submitted and almost had yo draw pic of the info on statement. That was last week. The charge is still pending review. Cant use fsa debit card.I submitted a selfpay fsa expense it was approved april 22. Its may 17 and i havent been paid. They are taking money out of my check and blocking me from using for legit fsa purchases

  

  Business Response

  Date: 07/10/2025

  Hi ******,
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns a card purchase that requires further documentation. Thank you for bringing your concerns to our attention and for giving us the opportunity to review and assist you.
  

  We understand how frustrating it can be when having to obtain and send additional documents after the initial submission,and that is certainly not the type of experience we want our members to have.
  

  Though these are your funds to use for health expenses, and the card may have been used for an eligible service, it is our responsibility to ensure we all remain in compliance with *** regulations and your employers program guidelines. Failure to adhere to these guidelines could potentially place you, Inspira, and the plan sponsor at risk of facing tax liabilities. Therefore, it is imperative for us to verify every transaction or reimbursement is eligible. It isnt an indication that we are doubting the funds are being used correctly.
  

  This is usually completed electronically behind the scenes, but in instances in which it doesnt, we must take further action to confirm its eligibility. We do this by requesting for our members to submit an itemized receipt or Explanation of Benefits (EOB) from their insurance company to substantiate the card use. Whichever document an accountholder chooses, it must contain the 5 items listed below as it is this criteria that we use to verify whether a transaction is eligible.
  

  1.          Date of the service ******** the service was rendered and within the plan year
  2.          Cost of the service, including the portion insurance paid ******** there was a financial responsibility for amount in question
  3.          Type of service ******** the service or expense was eligible under IRS guidelines
  4.          Name of the provider ******** services were rendered by qualified healthcare provider
  5.          Name of the patient ******** the patient is the member or a qualified dependent
  

  Further information and reading on this can be found directly in IRS memorandum *********. - ******************************************
  

  Regarding your referenced claim that was approved on 04/22/2025, our records indicate this reimbursement was initially issued as an EFT on 04/28/2025. On 05/01/2025, we received notification from your bank that there was no active account to deposit the funds. This prompted us to issue the payment as a check. We received word on 06/17/2025 that this check wasnt received either, and since an active bank account was linked by that time, we issued the payment again as an EFT on 06/17/2025.
  

  We hope this explanation provides further insight on what transpired with your account.
  

  If you have any further questions or issues,please dont hesitate in bringing them to our attention.
  

  Sincerely,
  Inspira Financial
  

  
  

• Initial Complaint

  Date:06/17/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a 401(K) with *. **** Price from a previous employer that rolled over to Inspira Financial. I got a letter in the mail explaining this, and ever since have been trying to even open an account with ******************** to view my funds. It has denied me access every single time. So naturally I emailed them, and they said to call them but I havent been able to get anyone on the phone. I do not want my funds resting with Inspira and I want to withdraw them, but theyre making it far harder than it needs to be.

  

  Business Response

  Date: 06/18/2025

  Dear ********,

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns are around accessing your account online and taking a distribution. We apologize for any inconvenience you have experienced, we understand how important it is to have access to your account. We are happy to help you with this process, a representative from our Executive Response Team will be reaching out to you for further assistance.

  
  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 06/20/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** *****

• Initial Complaint

  Date:06/14/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2024 I was notified that Inspira Financial has my 403b funds. On multiple occasions I have called and been placed on hold and tried to access the account online multiple times to no avail. I cannot access the account to withdrawn my funds and close the account. This seems to be a common practice with the organization.

  

  Business Response

  Date: 06/16/2025

  Hi *****,
  

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns are around accessing your account online and taking a distribution.
  

  We apologize that you had difficulty accessing your account.We understand how important it is to have access to your Individual Retirement Account ***** and are happy to help you.
  

  Your account has been reviewed to ensure that everything is in order, and we see that you were able to take a distribution online.
  

  Please do not hesitate to reach out to us if you have any questions or concerns.

   

  Sincerely,
  
  Inspira Financial 

  Customer Answer

  Date: 06/17/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:06/14/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company has refused to communicate with me, log in credentials do not work, website is riddled with error messages. Will not help facilitate the transfer of my funds

  

  Business Response

  Date: 06/16/2025

  Hi Derrick,
  

  Inspira Financial is in receipt of the complaint submitted
  to the Better Business Bureau. We understand your concerns are around accessing
  your accounts online and taking a distribution or transferring your funds.
  

  We apologize that you had difficulty accessing your accounts.
  We understand how important it is to have access to your Individual Retirement
  Account (IRA) and are happy to help you with your next steps in this process.
  

  Your account will be reviewed to ensure that everything is
  in order, and we will be in touch with you to offer further assistance.
  
  

  Sincerely,
  
  Inspira Financial 

• Initial Complaint

  Date:06/13/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dealing with this company is beyond extremely frustrating. I don't know how many times I have to tell them that I'm trying to resolve an urgent matter and it's already the end of the 2nd week in my 1 month deadline. I have already sent the information that was required and the website has been down for maintenance. They seem to have non-functional email addresses that either aren't monitored at all or have correspondence unassigned to a particular account. At this point, I need a manager or executive. I tried to search the site before maintenance and only got 2 email addresses which send communication that has me going in loops between calling and talking to a different person everytime and being told to email again. There isn't even a form on the site for what I need which is why I started emailing in the first place. I do not have time to waste on this incompetency. I have been patient. My home is at risk of foreclosure and no one there seems to understand that. I told them where to send the money and how immediately I needed it sent. I do not have an employer thus there is no employer account to rollover to. There is a mortgage company expecting payment from this institution. They are making this time harder for me than it already is.

  

  Business Response

  Date: 06/16/2025

  Hi Kristin,
  

  Inspira Financial is in
  receipt of the complaint you submitted to the Better Business Bureau. We
  understand your complaint is around trouble taking a distribution.
  

  We are happy to help you
  with this important process and apologize for any inconvenience this has
  caused. A representative from our Executive Response team will be reaching out
  to you to further assist with this process and any other questions you may
  have.
  
  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:06/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Checked my 401K balance with Fidelity account this morning and it showed zero. Spoke with their customer service and they said ******************** (never heard of them before) had taken it. Called Inspira and they say they don't have any account for me and if it is a new rollover (that I did not request or agree to) it might take weeks and then they will eventually snail mail a letter to me IF they decide to do so. They can neither confirm nor deny they have my money, but Fidelity says Inspira took it as a "rollover." Then I am going to be charged monthly for them to have my money. This is my life savings for retirement.

  

  Business Response

  Date: 06/16/2025

  Hi Howard,
  

  Inspira Financial is in
  receipt of the complaint you submitted to the Better Business Bureau. We
  apologize for any inconvenience with your 401(k)-transfer experience.

  There are a few reasons your account may have been
  transferred to Inspira Financial. You previously contributed to your former
  employer’s retirement plan program, but there were no instructions for where to
  direct those funds upon your departure. So, to protect the tax status of your
  funds, your plan chose to roll over your plan funds to an Individual Retirement
  Account (IRA) with Inspira Financial. The reason your funds were automatically
  rolled over could include a balance below $5,000, an outdated address on
  record, an uncashed check, or because the plan had terminated. Our goal is to
  reconnect you with your retirement funds as soon as possible.

  Given that the transfer was initiated by your former
  employer, you will need to contact Fidelity to confirm the date sent. The
  entire process of setting up your account can take up to 3 weeks. The timeline
  for this process can vary depending on when we receive an account agreement
  from Fidelity, documentation of your plan participant information and the
  401(k) account’s records. After we receive these three documents, a welcome
  letter will be mailed to you, and we can discuss your account details.
  

  If you have any further questions or concerns about your account, please do not hesitate to bring them to
  our attention.
  
  Thank you for taking
  the time to provide us with feedback.
  
  Sincerely,
  
  Inspira Financial 

  Customer Answer

  Date: 06/24/2025

   
  
  Complaint: 23461512
  
  
  
  I am rejecting this response because:
  
  This is a form letter, similar to the scripted response received when I called.

  I need some sort of statement from "Inspira" that they have my retirement account valued at $xxx.

  Currently, my money disappeared from my previous plan over a night with no notification and third parties tell me verbally it went to some company calling. themselves "Inspira," but there is no confirmation from "Inspira" that they have my money and how much they took.

  When I found a number for this company and called, they said they may or may not have taken my money, couldn't tell me for a month, and would only notify me by postal mail if and when they decided to admit they had my retirement funds. I need to know whether I need to contact the federal authorities for theft of my retirement account and don't want to wait a month or longer only for "Inspira" to deny they have my money.

  
  Sincerely,
  
  
  
  Howard Thompson

  

  Business Response

  Date: 06/25/2025

  Hi Howard,
  

  Thank you for the additional information and allowing us another opportunity to assist you.
  

  We apologize for
  any frustration this process is causing. We understand how important it is to
  have access to your Individual Retirement Account (IRA) and are happy to help
  you.
  

  A member of
  our Executive Response team will be in touch with you.
  
  Sincerely,
  

  Inspira
  Financial 

• Initial Complaint

  Date:06/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 6/10 I contacted Inspira via chat. A few days prior I had initiated a sell of a portion of my *** investments in order to use the funds to pay medical bills. The investment was sold the same day, and removed from my investment account the same day. However, the funds have not appeared in my deposit account and they are not available to use for medical expenses. The chat representative informed me that it will take at least 5 days before the funds become available. This is unacceptable. Inspira sold the investments and has the funds, and they are just holding them in limbo for 5 days. It is not the 1970's. Electronic fund transfers and processing happens very quickly, usually instantly in today's world. I don't know the reason for the 5 day delay. If it's administrative, it needs to be corrected. If it's a technology or systems issue, then get better systems and speed it up. The funds should be available in the deposit account one business day after the investments are sold.

  

  Business Response

  Date: 06/16/2025

  Hi Steven,
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau regarding your Health Savings Account (HSA). We understand your complaint concerns your experience while attempting to transfer funds from your Investment account to your HSA.
  

  We do apologize for the confusion and frustrations that have resulted from being advised that this process could take up to 5 business days. Though this is atypical, it is always a possibility that any electronic fund transfer could take this long.
  

  However, our records indicate the transfers you initiated on 06/09/2025 had been completed the following business day, 06/10/2025. This brought your HSA balance from $116.98 to $1,116.98 at the close of that day.
  

  We’d like to thank you for taking the time to express your concerns and allowing us to address them. 
  

  If there are any further outstanding issues regarding your account or experience, please don’t hesitate to bring them to our attention. We are always here and happy to help.
  

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 06/17/2025

   
  
  Complaint: 23449597
  
  
  
  I am rejecting this response because:

   

  It's simply not true. I contacted Inspira customer service two days after I initiated the transfer because the funds were not available yet, and that is when I was told it would take 5 days. 

   

  Incidentally, the support rep absolutely refused to even pass along my feedback about this. 
  
  
  
  Sincerely,
  
  
  
  Steven Smith

  

  Business Response

  Date: 06/30/2025

  Hi Steven,
  

  We’re sorry there continues to be confusion regarding this
  ordeal. Unfortunately, your recollection of events does not align with our records.
  

  We can confirm that your chat with us was the morning of
  06/10/2025, not 06/11/2025. During this chat, you mentioned that you were
  attempting to speed up the time it takes for funds to deposit back into your
  account, stating that you expect within a month that the timeframe to be
  shortened to a day at the most. It was in response to this that our specialist
  responded, advising that all transactions could take up to 5 business days.
  

  This wasn’t an explanation saying that the transfer will take
  that long, only that it could take that long.
  

  Our records of your transactions indicate the funds had
  settled into your HSA later that day after you chatted with us, which was the day
  following the initiation of the transfer. This will also be confirmed within
  your HSA statement for June once it becomes available 07/05/2025.
  

  Thank you again for your time and efforts!
  

  Sincerely,
  Inspira Financial
  

  
  

  Customer Answer

  Date: 07/01/2025

   
  
  Complaint: 23449597
  
  
  
  I am rejecting this response because:

  It's very disheartening to see the spin, or in other words lies, Inspira is putting on this situation.  It would have been great if Inspira could have committed to an enhancement of their internal processes to speed up these types of transactions, but instead they just want to shunt me aside with platitudes and spin. 
  
  The transfer from my investment account to my deposit account absolutely did not occur in one day as you claim.  The rep I spoke with did not say "up to" 5 days, they repeatedly and insistently said it will take 5 days.  They said "That's the process, that's how long it takes."
  
  Inspira also fails to even acknowledge, let alone address the fact that their rep completely refused to even make an attempt to pass on my feedback to anyone who might take note of it and review their processes, even after I specifically asked them to.  I had to turn to BBB to make my voice heard, but unfortunately it still seems like Inspira would rather ignore the problem instead of even attempting to address it.  
  
  It seems there will be no resolution to this complaint, which is a shame, since it would have been so easy and simple for Inspira to just, try.  

  
  
  
  
  Sincerely,
  
  
  
  Steven Smith

• Initial Complaint

  Date:06/08/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Without my knowledge or permission, my past employer sent my retirement money to this organization. I claimed my transfer and registered; however, every time I tried to log in, the verification system asked for my number, and I was supposed to receive a code, which I never received, no matter how many times I tried. Meanwhile, I'm not able to see my account and take any necessary actions.

  

  Business Response

  Date: 06/12/2025

  Hi *****,
  

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns are around accessing your account online.
  

  We apologize that you had difficulty with this process. We understand how important it is to have access to your **** and we are happy to help you with your next steps in this process.
  

  There are a few reasons your account may have been transferred to Inspira Financial. You previously contributed to your former employers retirement plan program, but there were no instructions for where to direct those funds upon your departure. So, to protect the tax status of your funds, your plan chose to roll over your plan funds to an Individual Retirement Account ***** with **********************. The reason your funds were automatically rolled over could include a balance below $5,000, an outdated address on record, an uncashed check, or because the plan had terminated. Our goal is to reconnect you with your retirement funds as soon as possible.
  

  We hope this clarifies what happened with your account. Someone from our Executive Response team will reach out to you to assist with online access.
  
  Sincerely,
  Inspira Financial