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:05/08/2025

  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.

  I am filing a formal complaint against Inspira Financial regarding an unauthorized card purchase and the subsequent freezing of my current year's funds.Unauthorized $82.12 charge on 6/7/2024 from Unclouded Mind Behavior, a company now permanently closed and unresponsive to my contact attempts (calls and emails since last year) for a receipt.**My attempts to reach them via phone and email have been ************* a result of this unauthorized $82.12 charge, Inspira Financial has restricted my access to my current year's funds. I did not authorize this transaction and believe it is unjust for my funds to be withheld due to a charge from a defunct and unresponsive merchant.I have contacted Inspira Financial multiple times regarding this issue and have been informed that I must pay the $82.12 to have my funds reinstated. However, I maintain that I should not be held responsible for an unauthorized charge, especially given the merchant's closure and lack of response. My efforts to resolve this directly with the merchant have been futile. I believe Inspira Financial should recognize the unusual circumstances.Furthermore, Inspira Financial is also holding over $800 in unused funds from previous years within my account, which I am currently unable to access. Considering this significant amount of inaccessible funds, I believe a reasonable resolution would be for Inspira Financial to make an exception and enable my current year's funds without requiring me to pay the disputed $82.12, particularly as recovering this amount from the closed merchant is impossible.I am seeking the Better Business Bureau's assistance in resolving this matter. I request that Inspira Financial investigate the unauthorized transaction and reinstate my access to my current year's funds without requiring payment of the disputed $82.12. I have attempted to resolve this directly with Inspira Financial for an extended period without a satisfactory outcome.

  

  Business Response

  Date: 05/15/2025

  Hi *******,  
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns a transaction under your Flexible Spending Account (FSA).
  

  Wed like to help you resolve this transaction and ensure you have access to your 2025 balance. We understand how frustrating it can be when youre unable to use your debit card and additional action is needed for transactions.
  

  A representative from our Executive Response team will be reaching out to you to further assist with this issue. 
  

  Thank you for bringing your concerns to our attention and for giving us the opportunity to review and assist you.
  

  Sincerely, 
  Inspira Financial 

  Customer Answer

  Date: 05/23/2025

   
  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:05/07/2025

  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.

  We have a *** account through my employer with Inspira. They have continuously harassed us for receipts from our doctors office and when they are given the information they still refuse to unlock our fsa card. They are rude, lazy, and not helpful in any way. They make demands in an untimely manner. I am unable to use the card, but they continue to take money from my paychecks. They told me that they suspect that an eye doctor overcharged us, but when asked why didnt they bring this to us earlier, when they first noticed it, they told me that it was our problem not theirs. Still refuse to unlock my card because they think I went on a shopping spree at an eye doctor. There was no fraud on the eye doctors, we gave them the receipts to prove that the numbers were correct and that the company Inspira was at fault. Ridiculous and unprofessional!

  

  Business Response

  Date: 05/13/2025

  Hi ***********,
  

  Inspira is in receipt of the complaint you submitted to the Better Business Bureau. We understand your complaint concerns your experience and difficulties you encountered substantiating debit card purchases under your Healthcare Flexible Spending Account (HCFSA).
  

  We appreciate you taking the time to provide us with your feedback, and we do apologize for the confusion this has caused on your behalf.
  

  A representative from our Executive Response team will be in contact with you and will continue to work with you personally moving forward regarding the matter.
  

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

  Sincerely,
  Inspira Financial

  
  

• Initial Complaint

  Date:05/02/2025

  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.

  This company is so imcompetent and they should NOT recieve their BBB accredidation. I mean just look at all of the complaints. This company does NOT care about their customers, just their bottom line. ***** *. in customer service has been horrible to work with. She keeps saying I am wrong (in what world is a customer treated this way) and I guess they never make mistakes and couldn't possibly be wrong even though they have thousands of complaints and horrible reviews. They lost my HSA card, shut my card with my money off without contacting me about it, and yet they refuse to expedite a new one for me?? So I have to wait another ********************************************************************* the wrong. But ***** F refuses to do anything or make this right. Worst company and I mean worst I have ever encountered or done business with. I have never been treated so horribly. No one will even listen to me they just cut me off and say what I am saying is lie? and wrong? Why would I call and be on hold for multiple hours just to lie and make stuff up?

  

  Business Response

  Date: 05/07/2025

  Hi Sydney,
  

  Inspira is in receipt of the complaint you submitted to the Better Business Bureau. We understand your complaint concerns your experience and difficulties you encountered obtaining your debit card and your experience with customer service.
  

  We appreciate you taking the time to provide us with your feedback, and we do apologize for the confusion this has caused on your behalf.
  

  A representative from our Executive Response team has been in contact with you and will continue to work with you personally moving forward regarding the matter.
  

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

  Sincerely,
  Inspira Financial

  
  

• Initial Complaint

  Date:05/01/2025

  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.

  Inspira Financial makes it unnecessarily difficult to transfer money out of their account. The online forms do not work. The trustee to trustee paperwork is unnecessarily complicated and they look for any reason to deny the transfer. I have just under $5,000 in an *** that was opened without my consent and now they wont let me transfer it to another ***.

  

  Business Response

  Date: 05/02/2025

  Hi ******,
  
  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns are around transferring your ***. 
  

  We apologize that you had difficulty with requesting a transfer.  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.
  

  In review of your account, we noticed that the form submitted was for an employer rollover to a 401k instead of a transfer request. If you'd like your funds to rollover to a 401k, that would the correct documentation, but based on the submission, you included the account type as an ***. You can respond to the email we sent you on 05/01/2025 with the subject line Inspira Financial Trust,LLC - Action Required' if you'd like the account to rollover to a 401k. 
  

  If you would like to transfer your *** to another **** you need to complete the *** to *** transfer form from the receiving custodian. Please reach out to ********* Securities for their form. You have a few options to send this form back to us. By fax, mail, or email at *************************************************************.  The transfer process may take up to 10 business days, provided that the paperwork is in good order.
  

  We hope this clarifies what happened with your account and your next steps. 
  
  If you have any further questions or concerns, please dont hesitate to contact us.
  

  Sincerely,
  Inspira Financial
  

  
  

  Customer Answer

  Date: 05/19/2025

   
  Complaint: 23273589
  
  I am rejecting this response because:
  I wish to reopen this complaint. ********* does not have the paperwork available that Inspira financial is requesting. On May 1st, 2025 a representative named ****** emailed me the form to request a distribution for a 60 day indirect rollover. I submitted the forms on May 14th, but on May 16th I was emailed saying my request was denied because I need to do a trustee to trustee transfer. I emailed them back saying I requested a distribution for a 60 day indirect rollover but was given the same response to submit trustee to trustee paperwork. I have attached a screenshot of the email from Inspira Financial from May 1st with the instructions for the indirect rollover. 
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 05/20/2025

  Hi ******,
  

  Thank you for bringing your unresolved request to our attention. We have reviewed your account, and your distribution request has been processed.
  

  The form sent to us on 05/14/2025 had unclear instructions since the distribution request was marked and there was a handwritten note for a rollover check. Our processing team sent you the communication for the trustee transfer paperwork to complete the rollover. However, once you confirmed the action you wanted to take via email, our processing team was able to process the distribution. 
  

  Your check was mailed to the address on record and your account is closed as of 05/20/25.  Please allow up to 10 business days for the check to arrive.
  

  We hope this explanation clarifies what happened with your account. If you need anything else, please reach out to us.
  
  Sincerely,
  Inspira Financial 

  Customer Answer

  Date: 05/21/2025

   
  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 on the condition that the check is received and clears. Should I not receive the check by 6/4/25 I will attempt to reopen the complaint.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:04/30/2025

  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.

  I filed a reimbursement claim on my ************** account, and ******************** has not processed the claim. I have called multiple times since the early March and the representatives on the phone said they cannot access my account due to technical issues and try to call back later. Everytime I submitted the claim online, it continues to state no claims being processed. I attempted to process the claim via email over 2 weeks ago, however, the representative that received the email, called and left a message on 4/29, that they are still having technical issues.

  

  Business Response

  Date: 05/02/2025

  Hi ****,
  

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns are around a claim that has not been processed under your ************** Flexible Spending Account (DCFSA) and your experience with our call center. We apologize for any delay caused by the technical issues, and we appreciate you reaching out for assistance.
  

  We are researching the technical issues that impacted your account and working to prevent this issue in the future.
  

  In review of your DCFSA, we located the $4,374.93 claim that was submitted on 04/30/2025 for dates of service in 2024. This claim was submitted past your claim filing date of 04/01/2025, however, due to your location and the disaster relief guidelines,we have approved this claim.
  

  A reimbursement payment of $4,374.93 will be made to your linked bank account on 05/05/2025. This will utilize your full 2024 balance. Please allow up to 5 business days for the payment to be posted, depending on your bank.
  

  We hope this provides insight into the claim youve mentioned in your complaint. Thank you for allowing us this opportunity to assist you and for being a valued part of Inspira.
  

  If you have any further questions or concerns, please dont hesitate to contact us.
  

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 05/13/2025

   
  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. Dear *** or Madam,
  
  I would like to update this complaint to state that Inspira's response was accepted and the issue is resolved.
  
  Thank you for your assistance in getting this resolved.
  
  **** ******
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:04/30/2025

  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.

  I closed my account with this ********************** with a balance of around 1900 dollars and it's been over a month and I have still not received my money.

  

  Business Response

  Date: 05/14/2025

  Hi *****,
  

  Were glad we were able to connect with you and reunite you with your retirement funds. When you first submitted your distribution direction in March, a check was issued to your previous address on record as indicated in your distribution paperwork. Were sorry to hear that you did not receive that check. After you contacted us and provided verification for an updated address, a stop payment was processed on the original check and a new check was issued on May 6. Our records indicate that this check cleared on May 12. Please contact us directly if you have any questions or if we can provide further assistance.
  

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 05/16/2025

   
  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:04/29/2025

  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.

  I am trying to get my withdrawal out within a week but the process is taking longer that expected they are being slow

  

  Business Response

  Date: 05/14/2025

  Hi *********,
  

  Were glad we were able to reunite you with your retirement funds. When you contacted us on April 28, one of our client service representatives discussed the account claim and distribution process with you,including the expected timeframe. Although we aim for a quick turnaround, some distributions may take longer in order to verify an accountholders identity and banking information. We received your distribution direction that same day,and your distribution was processed later that week and an ACH representing your funds was issued on May 2. Please contact us directly if you have any questions or if we can provide further assistance.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/28/2025

  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.

  My former employer sent my 401k plan to them instead of sending the money to me(1099 for it already) and I have emailed and talked to a representative multiple times,they have given me nothing but a run around everytime I tell them I want my money,their website produces errors on purpose so you can't even try and access the money either.

  

  Business Response

  Date: 05/09/2025

  Hi *******,
  

  Thank you for taking the time to connect with our client service representative and discuss your account. We received your distribution direction paperwork and necessary verification documents yesterday and have begun processing your request. Our client service representative will reach out to you once your distribution is complete. Please feel free to contact us directly if you have any other questions or if we can provide further assistance.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/26/2025

  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.

  I cannot get my money transferred to another brokerage account

  

  Business Response

  Date: 05/09/2025

  Hi ******,
  

  Thank you for taking the time to connect with our client service representative and discuss your account. As we discussed, the distribution paperwork you submitted is intended for a rollover from your *** into a current employers qualified retirement plan. In order to transfer your *** into an *** of the same type at another custodian, you would need to submit your request to the successor custodian on their paperwork and they in turn would countersign and submit to us on your behalf if they agree to accept the transfer and funds. Please contact us directly if you have any questions regarding the transfer instructions we sent to you. Once we receive the completed transfer paperwork from your successor custodian, we will expedite the processing of your transfer.
  

  Sincerely,
  Inspira Financial 

  Customer Answer

  Date: 05/15/2025

   
  Complaint: 23254362
  
  I am rejecting this response because: the issue has not been resolved 
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 05/22/2025

  Hi ******,
  

  Thank you for letting us know your concerns about your transfer. During your call on 05/21 we confirmed that you submitted your transfer request to ******* ******. Once they have approved your request it may take several days for us to receive it. We will expedite your request and waive the closing fee.
  

  We apologize that this has taken longer than expected. The Support Specialist you have been working with will contact you on Wednesday, 05/28.
  
  Sincerely,
  Inspira Financial 

  Customer Answer

  Date: 05/27/2025

   
  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:04/23/2025

  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.

  I had elected to fund my medical spending account with $2,000 this year. On 2/14/25 I had a medical proceedure that well exceeded that amount. I filed a claim and was denied dispite providing documentation of billing and my out of pocket payment. Inspira ( much like last year ) denied receipt of doc.

  

  Business Response

  Date: 04/25/2025

  Hi *****,
  

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns are around a claim that was denied under your Flexible Spending Account (FSA). We apologize for any frustration youve experienced as youve filed claims for reimbursement.
  

  The claim submitted on 04/03/2025 for $2,000.00 from date of service 01/29/2025 was denied asking for more documentation. The documents submitted with the claim on 04/03/2025 did not include the type of service which influences the eligibility of an expense. Without being able to confirm the service, we cannot approve the claim.
  

  However, you submitted many other claims through Health Plan Claims this month that have been reimbursed to you. These claims do not require additional documentation for reimbursement since these are files sent to us by your insurance carrier.
  

  A reimbursement payment of $2,000.00 was paid to the linked bank account on file on 04/21/2025. This payment has depleted your 2025 FSA balance.
  

  To understand the above claim denial, weve included more information on how we verify a claim is eligible to approve claims.
  

  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 Inspira Financial, the plan sponsor, as well as you in risk of facing tax liabilities. Therefore, it is imperative for us to verify every transaction or reimbursement is *********** 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 accountholders to submit an itemized receipt or Explanation of Benefits (EOB) from their insurance company. 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
  

  Claims that are identified as not qualifying for reimbursement because of lack of additional information or otherwise not eligible, are subject to correction procedures.
  

  To offer more information on why substantiation is required to use the funds, weve included the *** regulations, which stipulate that we must substantiate the health expense before it is reimbursed and clarifies how improper payments should be handled. This information can be found directly in *** memorandum *********. -******************************************
  

  We hope this clarifies what occurred with your account. Thank you for allowing us this opportunity to provide more information.
  

  If you have any further questions or concerns, please dont hesitate to contact us.
  

  Sincerely,
  Inspira Financial