Complaints
This profile includes complaints for Inspira Financial Trust, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 404 total complaints in the last 3 years.
- 286 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:02/15/2024
Type: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.
My account was transferred to Inspira from millenium trust and I can't access my acount. I have tried everything to access my account in order to roll over my money and nothing works. I am seeking prompt help to get access to mt account which ultimately is my money that I can't access.
Business Response
Date: 03/01/2024
Were glad we were able to connect with you and help you complete the process to take control of your account online. One of our client service representatives attempted to contact you to see if you were still having technical difficulties or have any questions regarding the distribution paperwork we sent to you. Once we receive your completed paperwork, we will expedite your request. Please contact us directly if you have any questions or if we can assist you further.Initial Complaint
Date:02/15/2024
Type: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 have a FSA through my employer that is managed by Inspira Financial. I had a doctor's visit on January 2, 2024 & a surgery on January 18, 2024. I have primary insurance (Cigna) that is attached to my FSA and secondary insurance (Tricare) through my husband's employer. My secondary insurance covered all of the doctor's visit and most of the surgery, with the exception of about $200. Inspira pulled $2839.00 out of my FSA to pay the bills that had already been paid through Tricare. I tried to send the EOB's from Tricare to them & called, and all three representatives were incredibly rude and condescending and basically said they were not sending my $2,839.00, or IF they did, it will take around ******************************************************************* and kept saying there is no way for me to know if I will get my money back. They have essentially stolen $2,839 and are refusing to give it back to me.Business Response
Date: 06/24/2024
Please see attached.Initial Complaint
Date:02/13/2024
Type: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 have an HSA with Inspira Financial/ PayFlex and have been trying to get a replacement card since November 2023. I have called 3 times and each time they say they sent me a new card, and I never receive it. When I called last week they acknolwedged there was an issue sending me my card, and stated they would overnight it to me. As of today, 5 days later, I have not received my card.Without this card, I am unable to pay my medical bills. I have begun to receive past due notices and collection notices. I am not paying out of pocket for these expenses when I have over 1k in may HSA at PayFlex. As resolution, I need PayFlex to overnight me my card that I can use ASAP. Also, if I receive any late charges for my outstanding medical bills, I will be looking for PayFlex to reimburse me those amounts along with credit monitoring in the event they report me delinquent to the credit bureau's.Business Response
Date: 06/24/2024
Please see attached.Initial Complaint
Date:02/12/2024
Type: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.
My 401K from my previous employer rolled over to Millennium Trust Company. I have been trying to claim my account to rollover the balance to my current employer, but their online system keeps saying "Registration Failed." Their agent was able to access the account with the same details and look up the balance for me. But they will not help me with the roll over or set up an account for me. This sounds very fishy that the only way to claim my account is through their online system that does not work. This feels like fraud to drain the account with Fees.Business Response
Date: 02/27/2024
Were glad we were able to connect with you and reunite you with your retirement funds. As our client service representative mentioned when we reached out to you, your rollover has been processed and your check has been sent via the provided delivery instructions. Please contact us directly if you have any questions or if we can be of further assistance.Initial Complaint
Date:02/10/2024
Type: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 received information that millennium trust retirement package rolled over to Inspira financial. I called Wednesday February 7th at 4:30 Eastern time and was listening to a recording for over an hour. Which was ridiculous due to the fact that the hold time was 40 minutes. I was on hold for an hour and 30 minutes! While Im working as your business hours should have been convenient for me to resolve my issue. I even submitted an email through the website as they refer you too with ************ day response which I did not receive. I also did not receive a confirmation email that I sent one to you guys. I am unable to claim my account online. Every time I try, it tells me that it failed and I need to contact assistance. I would appreciate a phone call with a representative to get this matter addressed as soon as possible!Business Response
Date: 06/24/2024
Please see attached.Initial Complaint
Date:02/08/2024
Type: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 have just received a statement for the calendar year of 2023, with no explanation and a litany of unexpected fees. The fees include $10 for a "paper statement fee," though I never requested paper statements. The fees also include an annual maintenance fee of $30, though the total value of my account is barely more than the sum of these two fees. For an Individual Retirement Account, apparently rolled over from Millennium Trust, this is outrageous.I attempted to call, and have now been on hold for over an hour. There is no sign that anyone will ever answer.I have then completed the "onboarding" process on line, which mostly feels like a scam. At the conclusion, I receive only a message that indicates that processing may take several days. This is either an enormous scam, or an incredibly lucrative way for Inspira to draw funds from small investors. A disgrace.Business Response
Date: 06/24/2024
Please see attached.Initial Complaint
Date:02/06/2024
Type: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 have spent dozens of hours on the phone with *******/Inspira, and each time their "fix" works for a month then fails. I have to then contact them again, and they tell me I'm "missing documents" for the 2nd month when they were fine for the first month. I request a supervisor, and was disconnected after a very long wait. They cannot seem to communicate their requirements for retiree medical reimbursement, which seem to change every month.Business Response
Date: 06/24/2024
Please see attached.Initial Complaint
Date:02/05/2024
Type: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 was going through my tax documents to prepare for this year taxes, and I found a document that showed how much money was still in my HSA account I called the company once, and since my address was old, I had to update it with the company. At that time I called back to close the account to pay for some medical bills from last year. They then gave me a hard time about a debit card that I had years ago. They were also trying to get me to fill out a form, which Im not going to do. Then I couldnt even setup an online account to login and get the debit card information. This company is holding my ******* dollars hostage and refuses to work with me to give it to me. They have created roadblocks to my own money, didnt report to me the money was there, and now dont have a process for me to recover it.Business Response
Date: 06/24/2024
Please see attached.Customer Answer
Date: 06/24/2024
Complaint: 21250084
I am rejecting this response because: They did not detail the fact they werent sending me tax documents for almost 3 or 4 years... In which I believe they were hoping I would forget about the money. Plus, they need to put a process in place to remind customers this money is available to them. Like a monthly statement for example. This is a great example of a company committing fraudulent type behavior.
Sincerely,
*****************************Business Response
Date: 07/29/2024
Please see attached.Initial Complaint
Date:02/05/2024
Type: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 have a rollover traditional *** serviced by Inspira FInancial that I would like to close. I have called the business multiple times and been put on 1hr+ long waits with nobody picking up multiple times. I need to speak to an agent in order to close my account and receive my funds; I cannot get in touch with anyone there so I cannot access my funds.Business Response
Date: 06/24/2024
Please see attached.Initial Complaint
Date:02/05/2024
Type: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.
Nov 2023, I was notified a retirement account of mine from a former employer had been bounced around from holding company to holding company , I finally came to find Inspira was holding $5481.38 of my money without my consent or contract with , even after I filed all required forms online they have not responded .all Ive ever received from them in response are a generic responce which says nothing I call only to be hold h*** for eternity no one ever answersBusiness Response
Date: 06/24/2024
Please see attached.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.