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.

close

Find a Location

Inspira Financial Trust, LLC has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  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:03/01/2023

  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.

  To Whom This May ********** ***************************** am requesting that the fees get reversed for my *** ******* ending in DA4A. Im requesting that the $10.00 Paper Fee gets reversed when I NEVER GOT THE STATEMENT!!!!! I NEVER got the fee schedule regarding what they do regarding the account which they charged me $35.00.I would like the $45.00 to be added to the distribution that Im requesting to be taken out from this bank.I never got either a piece of mail from them NOR a paper form through email either until February 13th. They show that I opened the emails, which I never did. The ONLY thing I have gotten from them is when I logged into the account ton the 13th of Feb. which is when ******* sent me the form, I needed to take the funds out. I have been on the phone with *********** trying to get the to send me a check when I finally found out that it was transferred to this bank. ******* was very nice as far as sending the request form to take out the money, but to have all the fees when I received NOTHING from them is not right. Im under the impression that there is a fee to take it out. But Id like a check to be sent to me in the amount of $365.49. I'm seeing that they are sending me a check for $295.49 which $70.00 in fees for 1 year when again I got NOTHING from them is hogwash. Its not right when I got NOTHING to be informed of anything and for me to pay these asinine fees. I had been fighting with Capitol One 360 *** side for over 2 months at this point to FINALLY get an answer from them of where my money went to which was to this bank. For them to even charge me an annual fee when it wasn't with them for a year is asinine as well. They claim they got the 01/24/2022 and in August they charged the fee of $35.00 how is that a year?????Thanks,A VERY UNHAPPY CLIENT *****************************

  

  Business Response

  Date: 03/10/2023

  Were glad we were able to connect with you and reunite you with your retirement funds. When *********** resigned and appointed Millennium Trust as the successor custodian of your funds, you should have received a communication including an explanation of the resign and appoint process as well as details regarding the fee schedule that would be applicable to your new account. This communication also would have indicated that you had the option to transfer your *** to another custodian or distribute your funds if you did not wish to transfer to Millennium Trust. In addition, we also provided a six-month grace ****** for previous *********** account holders such as yourself to transfer or distribute their funds prior to fees being charged if they did not wish to remain at Millennium Trust. Were glad that we were able to connect with you and have your funds sent to you via check. Please contact us directly if you require any further assistance. We wish you the best in your future retirement planning.

  Customer Answer

  Date: 03/14/2023

   
  Complaint: 19520383
  
  I am rejecting this response because: they clearly didn't state if they were refunding the $70 or not.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 03/24/2023

  **********************, although we feel the fees were properly notified and charged correctly, we have reviewed your case and agreed to refund the fees as a courtesy. The check representing the refunded amount was sent on Monday, March 20. Please contact us directly if you have any questions or require further assistance.

  Customer Answer

  Date: 03/28/2023

   
  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. I have received the check and deposited it yesterday. Thank you BBB for your help!
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:02/21/2023

  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.

  My wife and I both have 401k's with Millennium and have followed all the procedures to transfer our money out of this scam company, We are tired of the run around and are considering a class action suit against this company. We have been working on this process since 01/20/2023. We are through fooling around it is time to take decisive action. Please help us and all others who were cast into Millenium H***

  

  Business Response

  Date: 03/03/2023

  Were glad we were able to connect with you and reunite you with your retirement funds. When you and your wife first submitted transfer directions, the paperwork we received indicated that it was requesting a direct rollover from a qualified employer plan (such as a 401k) with us into an *** at your successor custodian. Your accounts at Millennium Trust were ***s, not qualified employer plans, which would require different tax reporting to the *** according to the initiating and receiving account types. We have processed your directions as Trustee-to-Trustee transfers (***-to-***) and have sent checks for both of your accounts to your successor custodian via overnight ****** We also included letters confirming the account types and transaction methods used to ensure your successor custodian codes the transfer correctly. Millennium Trust Company performs the duties of a directed custodian, and as such does not provide tax advice. We recommend that you consult your tax advisor if you have any questions regarding the necessary tax reporting at your successor custodian. One of our client service managers sent you an email with the ***** tracking code for you and your wifes checks, which should be delivered Monday. Please contact us directly if there are any delivery issues or if we can be of further assistance. We wish you the best in your future retirement planning.

• Initial Complaint

  Date:02/21/2023

  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.

  I have been trying to be reimbursed for approved healthcare related expenses pertaining to my FSA (Flexible Spending Account). I have placed 3 calls and, 3 emails and 4 faxes and I've gotten no where despite escalating my calls to supervisors who assured me that it would be resolved and documentation would be sent. I feel like a hamster on the wheel each call I am assured that the matter is resolved and nothing is resolved. I have provided the documentation asked for per the call on 02/01/2023, only to be told on 02/03/2023 the information was not received and to email, which I did on 02/03/2023. I followed up by phone to ensure the info was submitted to the claims department for reimbursement on 02/10/2023 to be told nothing was done and when asked for a supervisor I was told by the supervisor that I had to complete a claims form, which was not indicated in my calls on 02/01/2023 or 02/03/2023. I was told by the same supervisor that she would have the claims form sent to my attention and that I would have it in ***** hours. I waited until the 2/13/2023 and still no email with the claims form. I sent an email to the Supervisor on 02/13/2023 indicating that I have yet to receive the documentation and the supervisor is still unresponsive and it is now 5 plus business days later. Meanwhile I am still out of $400 plus dollars for expenses to which are indeed eligible and and Explanation of Benefits have been provided. This company is hellbent on keeping employees money and making the process so difficult that you give up on collecting the funds to which you are entitled to. This is my second experience with this same company the last being in 2018, that took months.

  

  Business Response

  Date: 03/03/2023

  Dear Tobetria,

  
  ************************. (PayFlex) is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns our claim verification process to access funds in your PayFlex Flexible Spending Account (FSA), along with your experience when contacting our customer service.

  
  We extend our sincerest apologizes for the experience youve brought to our attention. Thank you for giving us the opportunity to review and assist you. We understand how frustrating it can be when agents are unable to provide a proper response. That is certainly not the type of service we want our members to have.Well be evaluating the connection youve had with our agents and providing the necessary coaching to them.

  
  We have received an Explanation of Benefits from your dental insurance carrier and as itemized vision receipt. We can process these claims once we receive a claim form. A member of our Escalation Team will be reaching out to you directly to personally assist you in getting your claims processed.

  
  We appreciate your business and hope we have addressed all of your concerns.   As we continue to look for ways to improve our service levels your feedback is valuable. 

  
  Sincerely,
  ************************.

• Initial Complaint

  Date:02/20/2023

  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.

  My former employer transferred my IRA ********** to this company in about 2017. Since then, I've been unable to access those funds or withdraw them because the company requires that I setup a profile online and part of that process is to AGREE to their FEES and TERMS. I refuse to agree to their very high fees and be subjected to their terms, so I can't withdraw my money.I sent them a demand letter via certified mail that they return any fees they have withdrawn from my account and liquidate it by mailing me a check on January 19, 2023, which they signed for on January 23, 2023. To date they have completely ignored that request.I want my ********** funds returned to me. In reading the experiences of others who have dealt with Millenium Trust Company, they have a pattern of behavior for citing identity, privacy and security concerns as reasons for being uncooperative. I expect that to be their reply in this case since it seems to work for them. Additionally, I expect them to confuse the governmental requirements for managing ********** accounts with their own policies, procedures and fees by insinuating that I have to agree to them in order to move forward.

  

  Business Response

  Date: 03/01/2023

  Were glad we were able to connect with you and reunite you with your retirement funds. Millennium Trust provides an automatic rollover *** ******** to employer-sponsored retirement plan providers with missing or non-responsive participants. This feature would have been defined in your previous employers retirement plan documents and allowed your plan to direct the rollover of your funds into an *** for your benefit. Your plan, in accordance with its provisions, chose Millennium Trust as the *** ********* for these rollovers and directed the initial investment and agreed to the fees and services that would apply to your *** when they directed the rollover of your retirement funds.
  
  Were glad we were able to help you use our online process to direct your distribution, and that we completed and processed your distribution the very next day. Please allow a few days for your funds to be deposited into your account at the designated financial institution. Feel free to contact us directly if you have any questions or if we can be of further assistance. 

  Customer Answer

  Date: 03/07/2023

   
  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:02/14/2023

  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.

  This company manages my FSA spending account for which I utilize a debit Master Card to pay for out of expense charges. This company practices are unethical. It seems as if they are always trying to find ways on how NOT to honor purchases. I'm assuming in order to keep the funds for themselves (if you don't use the funds, you forfeit them). Initially my card was placed on hold for $173.61 and I have submitted several receipts totaling well over that amount. I have been calling and sending receipts since 2022 for credit for my primary care provider visit. My primary care provider is out of network with my insurance. I have spoken to supervisors to no success. They have spoken to my provider as well but yet still nothing! I am quite sure these practices are unethical and I will inquire about the legality of their practices as well. I have now been told of charges from 2020 and 2021 that MY funds will still be unavailable to me. Every time you are attempting to use your funds it's something. I am still waiting for the supposedly list of charges they are questioning. I haven't received any thing and it has been over 7 days at this point. I pray this company gets what's coming to them! As for me, I will NEVER utilize my FSA plan with my employer as long as they are using this company!

  

  Business Response

  Date: 02/23/2023

  Dear Conchota,  
  
  ************************. (PayFlex) is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint stems from your experience regarding the verification process when using your PayFlex Card to access funds in your PayFlex Flexible Spending Account.
  
  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 documentation is requested often. That is certainly not the type of experience we want our members to have.
  
  It is never our intention to make the claim verification process difficult or cause you any inconvenience. However, it is our responsibility to ensure the claim process complies with IRS regulations and your employers program guidelines.
  
  Weve explained this more below and hope this will help clarify what details are needed when documentation is requested.
  
  Your accounts from 2020 through 2022 are in overpayment totaling $2789.54. Your 01/01/2022-12/31/2022 is in a financial overpayment of $173.91 due to your repayment check not being cleared. We applied your check to your account; you were reimbursed those funds via Electronic Transfer on 10/27/22 and then your check was returned. You have now been reimbursed $173.91 over your elected amount.
  
  Below is a list of unsubstantiated card charges. We have not received documentation for any of the below charges.
  
  2021 Plan Year
  Date Amount
  11/15/2021 $98.34
  11/13/2021 $65.00
  11/25/2021 $244.15
  12/4/2021 $190.00
  1/7/2022 $120.00
  1/24/2022 $71.09
  
  2020 Plan Year
  Date Amount
  7/8/2020 $673.00
  7/9/2020 $63.80
  7/13/2020 $103.00
  7/16/2020 $160.12
  7/16/2020 $146.01
  7/16/2020 $108.36
  7/17/2020 $67.00
  7/17/2020 $293.55
  7/17/2020 $103.00
  7/20/2020 $63.60
  8/3/2020 $45.61
  
  
  About your plan
  A Flexible Spending Account (FSA) is a benefit offered through your employers cafeteria plan. Your employer established the plan according to Section 125 of the ************************ code. PayFlex is the Third-Party Administrator for the plan. 
  
  To remain compliant with IRS and plan guidelines, PayFlex requires supporting documentation that shows your expense is eligible and within the plans coverage period. The best type of document to send is the Explanation of Benefits (***) from your insurance company. If your expense was not submitted to an insurance company, we ask that the itemized receipt include the following:
  Provider Name
  Patient Name
  Description of Service
  Date of Service
  Final Amount Owed
  Note: If your receipt reflects estimated insurance, pending insurance, insurance balance owed or remaining, your claim will be denied, and you will be required to submit the *** or receipt(s) showing the final amount owed after insurance payment/denial.
  
  Claims that are identified as not qualifying for reimbursement because of lack of additional information or otherwise not eligible, are subject to correction procedures.
  
  We hope this information has been helpful and weve provided you with a better understanding of why additional documentation is requested.  If you have any further questions or concerns, please dont hesitate in bringing them to our attention.
  
  
  Sincerely,
  ************************.

• Initial Complaint

  Date:02/13/2023

  Type:Service or Repair 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.

  Millennium Trust Company has money in a roll over *** from a former company I worked for. I received the paperwork from Millennium Trust, and I go to make an online account to have access to the funds as directed at the log on page. I was not able to access funds or create a login after choosing text verification. I, as a recipient owner of this plan, called the number and was hung up on,after reading numerous reviews on account holders being lockout of the accounts unable to access funds I feel this is a violation of the securities commission. I know that the company intentionally makes customers jump through hoops so they can hold the funds longer, benefiting from extra penalties, withdrawal, and transaction fees. The solution that is acceptable to withdraw the funds from the account overnight the amount in check and close the account.

  

  Business Response

  Date: 02/23/2023

  Were glad we were able to connect with you and reunite you with your retirement funds. We received your online distribution paperwork yesterday and your request was processed today.Your funds were sent as a check via overnight shipping, and should be arriving tomorrow. One of our client service managers sent you an email to provide you with the delivery tracking code, please contact her directly if you have any issues with the delivery or if we can be of any additional assistance. We wish you the best in your future retirement planning.

  Customer Answer

  Date: 02/27/2023

   
  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:02/08/2023

  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.

  I received a letter informing me of a rollover of a *************** with instructions to create an account through the have website. The website does not work. There's no way to follow the directions of the letter to take control of the funds that have been transferred to this company. There's 404 Error message that the page is not found.

  

  Business Response

  Date: 02/18/2023

  Were sorry to hear that you are having difficulties accessing your account online. We would be happy to help assist you in taking control of your funds. One of our client service representatives attempted to contact you at the provided phone number (************), please contact us directly at your earliest convenience.

• Initial Complaint

  Date:02/08/2023

  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.

  I have requested a IRA ********** from Millennium Trust bank, received no confirmation - AND, no funds have been sent.Can't get anyone on the phone or chat! I WANT MY MONEY.IS THIS COMPANY REAL???

  

  Business Response

  Date: 02/18/2023

  Were glad we were able to reunite you with your retirement funds. When you submitted your distribution request online on February 7, your distribution was processed and funds were sent via ACH the next day. One of our client service managers attempted to contact you to confirm you have received your funds. Please contact us directly if you have any questions or if there is anything else we can do to assist you.We wish you the best in your future retirement planning.

• Initial Complaint

  Date:02/07/2023

  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.

  My previous employer rolled over my 401K to a Traditional *** account with Millenium Trust Company. This was not notified to me. Every year, the Millenium Trust Company charges me an Annual fee and a paper statement fee.On January 21, 2023, I wanted to log into their online portal to access my account. But I could not log in. Hence I spoke to Millenium Trust Company's customer service on the same day. I was sent a form to fill in. I have filled in the form, signed it, scanned it, and sent it to them along with a copy of my driver's license as instructed by them. They asked me to wait for 7 business days.I have kept reminding them that I was waiting for their reply. After 11 business days, I was asked to call them for further verification. I have spoken to their customer services again and was told it would take another 7 business days for them to process. This appears to be a delaying tactic to prevent me from accessing my funds in the account.

  

  Business Response

  Date: 02/17/2023

  Were glad we were able to connect with you and reunite you with your retirement funds. At Millennium Trust we take account security seriously, which is why we required you to provide additional documents to verify your identity prior to providing access to your funds. Our busiest season occurs in January and February, and we apologize for the longer than normal processing time it took for us to complete the review of your paperwork.Were glad that we were able to ***** you access to your account, and then process a transfer of your funds the day after we received the direction paperwork from your successor custodian. Please contact us directly if you require any additional assistance. We wish you the best in your future retirement planning.

• Initial Complaint

  Date:02/03/2023

  Type:Customer Service 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.

  This company has my *** account that was rolled over from a retirement account at ********** I have been trying to gain access to that account. I completed a form at their website and uploaded the requested information to verify my identity. I was given a tracking number at this point - that number is Tracking Code: 27THWC The only communication I received from them was a request to upload information to verify my identity. I replied to that email and again gave them that information. They have not responded to ANY of the emails I have sent.They have my money and their inaction is preventing me from accessing my account

  

  Business Response

  Date: 02/13/2023

  Were glad we were able to connect with you and reunite you with your retirement funds. At Millennium Trust we take account security seriously, which is why we require verification of your identity prior to providing access to your funds. Our volumes are higher than usual during our busiest season that occurs in January and February, which is why it took us a few days to review and process your forms after you sent in your verification documents. We appreciate your patience and are happy that once you accessed your account online and directed a distribution, we were able to process the distribution and have your funds sent to you the very next day. Please allow a few days to receive the funds and contact us directly if there is anything else we can do to assist you. We wish you the best in your future retirement planning.

  Customer Answer

  Date: 02/15/2023

   
  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,
  
  ***************************