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

• 

  Inspira Financial

  Omaha, NE 68164

• 

  Millennium Trust Company

  PO Box 940287 Plano, TX 75094-0287

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:04/22/2025

  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 had an *** acct with you due to my employer ********* having a partnership with you as part of their benefit offerings. I resigned from ********* due to landing another job with another company. I was told I could transfer by *** balance to the new HSA company offered thru the new employer. Inspira charged me a maintenance fee and a closing fee which is ridiculous as this was not communicated to or necessary as I no longer am employed by ********* and the benefits are no longer valid. Additionally Inspira is saying after the 10 settlement period I have to WAIT 6 to 9 WEEKS!!! to get my $ into the new HSA acct. So in that time I HAVE NO ACCESS to A my OWN MONEY!!! It does not take that long to transfer funds anywhere with real time data processing. THAT IS RIDICULOUS! No one at the company wants to help or expedite the process. I need access to my fund by May 2nd the latest - I started the process on April 14th

  

  Business Response

  Date: 04/24/2025

  Hi Zaeena,
  

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns about the ************** Account (***) fees and the time it takes for a transfer. We appreciate your feedback and allowing us to provide you with more information.
  

  First, wed like to provide you with an explanation of the account fees. When your account is active with your employer, by contributing or being active in a High-Deductible Health Plan, your employer is responsible for maintenance of the account and for any fees on the account. When your account is no longer part of your employer plan, the individual becomes responsible for maintenance of the account and any associated fees.
  

  We sent you a Termination Letter on 03/29/2025 explaining the maintenance fees on your account. This information is also available under Fee Schedule when you access your account at **************************.
  

  With your *** transfer, the fee is listed within your fee schedule on the website, and the *** Transfer Request Form explains there is a fee associated with the transfer.
  

  We received your transfer form on 04/14/2025. The full timeframe of 4-6 weeks includes the 10-day settlement period. Your account is currently in this settlement period. Once the settlement period is complete, we will send the funds to your new administrator.
  

  We understand the importance of accessing your funds and it certainly isnt our intention to make this process time-consuming. This 46-week timeframe includes the settlement of all transactions, completion of required protocols and procedures to remain in compliance with tax laws,verification of identity and bank accounts, and any other requirements of the financial institution receiving the transfer. However, it may be completed before the full timeframe.
  

  We are sorry for any frustrations youve experienced while transferring your ************** Account (***). We hope that this information clarifies what occurred with your account. Thank you for taking the time to provide us with your feedback.
  

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23236273
  
  I am rejecting this response because the fees were assessed immediately. My previous employment ended March 31st and you assessed $5 transaction fee on 04/05 and closing fee of $25 04/15. If I no longer have benefits with my previous employer why would I keep the account open with you and pay the crazy fees??? The closing fee is unjustified. You want me to allow you guys 4-6 weeks to settle my account and get my $ but you will not allow the same respect and procedure to allow me to set up a new HSA custodian and then assess fees to close the account?? Seems completely unfair to me as the consumer. Its like you are penalizing me for leaving my previous employer and the benefits ending. Makes no sense!!!! I would like a check in the amount of $25 (refund the closing fee) for this very reason and for all the inconvenience - ESPECIALLY WHEN I CAN'T get my fund in a timely manner!!! 
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 05/01/2025

  Hi Zaeena,
  

  Thank you for your additional feedback. We understand how important this is to you, and we appreciate the opportunity to make things right.
  

  At the time of your response, the ************** Account (HSA) completed the 10-day settlement period for the initial transfer and closed. A disbursement payment of $1,626.41 has been sent to your new HSA administrator on 04/29/2025.
  

  Upon further review of your account and the associated fees,we have reversed both the April monthly maintenance fee of $5.00 and the transfer fee of $25.00. Your account had to be opened for this reversal. The *** is back in a 10-day settlement period to reclose the account and transfer the funds to your new administrator. This $30.00 payment will be sent once the settlement period is complete.
  

  We hope that this action is a satisfactory result. Please reach out in the future if we can be of further assistance.
  

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 05/01/2025

   
  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:04/21/2025

  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.

  A former employer rolled over my retirement account to ********************. Since then, they have taken out more in fees than the account gained in interest. When I try to access my account, I get a bunch of invalid links and 2-factor verifications. The customer support form is stuck in permanent processing. I contacted them by email, was sent a link, but when I try to fill out the required information, it says the information is invalid. I believe this is a total scam company who just continues to take out fees while denying access for their own profit.

  

  Business Response

  Date: 05/05/2025

  Hi ********,
  

  Were sorry to hear you are experiencing technical difficulties when attempting to access and take control of your account on our online platform. We would be happy to assist you. One of our client service representatives attempted to reach out to you. Please contact us directly at your earliest convenience. We can also schedule a date and time for a call if that would work best for your calendar.
  

  Sincerely,
  Inspira Financial 

• Initial Complaint

  Date:04/18/2025

  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.

  Millennium trust became Inspira Financial, which an old 401k I had rolled over to. I am trying to take a distribution. I don't know this company, nor do I want my money with them.I have called them several times over the past few days and no one gives me.clear instructions. I can't even log into my account online. I should NOT have an account with them, since I didn't even know they existed. when I try to set up a new loging, it says there is already an account.set up for my email, and a reset password link will be sent. I have not gotten any emails with password resets. I have called them about this issue, and they told me to wait 24 hours so they can change to the correct email address, and an email will be sent with further instructions. The email that was sent said I needed to enter the code sent in my welcome email, but I never go one!!I am going in circles with this company, and this definitely feels like a scam. I have thousands of dollars sitting in their possession. This isn't right. Something needs to be done.

  

  Business Response

  Date: 05/02/2025

  Hi *******,
  

  Were glad we were able to connect with you and reunite you with your retirement funds. You originally took control of your account in June 2023, which is why a username already existed for your account. Thank you for contacting us earlier this month to discuss your account and inform us that you could no longer access the old email address. Your old username was deactivated,and we are glad to see that you were able to create a new username and submit an online distribution direction on April 28. Your distribution has been processed, and a check representing your funds was issued on April 29. Please allow standard mailing times to receive the check and contact us directly if we can provide any further assistance.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/17/2025

  Type:Customer Service 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 401 k was rolledover to Inspira without my consent because I left a job and I did not get to rollover my 401k in time. I am now trying to rollover my money to my ******* ****** account online, and it has been impossible. I would like someone to contact me to make this happen. It took many tries to create my login to get to my account. Then I try to authenticate my information, and it continues to say the information is wrong. It feels like they make it extra hard so you won't rolloever your money. It should not be this hard. It's MY money! The online platform does not even provide my full account number. No other online ******************** institution that I work with is this hard to get into.

  

  Business Response

  Date: 05/02/2025

  Hi ****,
  

  We would be happy to assist you in transferring your funds to another custodian. Thank you for completing our online process to take control of your accounts on April 15. At that time, we also provided you with transfer instructions indicating how you could transfer your funds into another *** at your chosen custodian, as well as a link to our online distribution process if you instead wished to withdraw your funds directly or roll them over into a current employers qualified plan.
  

  We received your distribution paperwork on April 28;however, although you selected the option to rollover your funds into a current employer plan, you indicated that the funds would be going into an *** at a successor custodian. Transfers from one *** to another *** of the same type at a different custodian are required to be submitted on the receiving custodians paperwork along with a letter confirming they will accept the funds and account. As one of our representatives discussed with you today, you will need to submit the transfer direction to your successor custodian (******) on their paperwork who will then countersign and submit the completed forms to us on your behalf.
  

  One of our client service managers attempted to reach out to you to discuss the process in more detail and help you submit the necessary paperwork. Please contact us directly if you have any questions regarding the instructions we sent to you. We can also schedule a date and time for a call and/or participate in a conference call with your successor custodian if that would work best for you. Once we receive the completed paperwork, we will expedite your transfers.
  

  Sincerely,
  Inspira Financial 

• Initial Complaint

  Date:04/17/2025

  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.

  In Dec 2024, ********* transferred my $3,800 to Inspira Financial. This amount is what I have left to help pay my health insurance premium. I have emailed Inspira since January to set up premium reimbursement from my $3,800. I get different information from each email I send to them. I am at my wits end in trying to set up monthly reimbursements. I retired from Spire in 2017 and it was fine when Spire ran the program but they outsourced this task. I need this set up before I turn 65 otherwise I lose my money.

  

  Business Response

  Date: 04/21/2025

  Hi *******,
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns your experience and difficulties you encountered regarding reimbursements from your Retiree Reimbursement Account.
  

  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:04/15/2025

  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.

  My wife and I are forced to use Inspira as our *** administrator through her employer. We have submitted multiple claims over the past several months which have been denied unjustly. One was for gym expenses for a personal trainer, and one was for a body composition scale. We provided documentation of the purchases which contained purchase totals, dates, and eventually a letter of medical necessity written by my doctor, explaining that these are valid medical expenses for a treatment plan for my underlying health conditions. Every time we submit a new document, Inspira takes one to two weeks to get back to us, and all they provide is a denial and a denial reason, with no avenue for dialogue. This is money that we have paid into our account throughout 2024 and we are being barred from using it for legitimate medical expenses. I am requesting that this situation be escalated and Im simply looking for our claims to be approved so we can use our own money from the account.

  

  Business Response

  Date: 04/17/2025

  Hi *****,
  

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

  We appreciate you taking the time to provide us with your feedback, and we apologize for any frustration this experience caused. It certainly isnt our intention for the claim process to be difficult or time-consuming.
  

  We would like to assist you with these concerns. However, we are unable to locate an account with the information provided. If the account is under your spouses name, we will need her information to locate the account, and depending on how the account is set up, we may only be able to provide the account information to your spouse, the primary accountholder.  
  

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

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 04/18/2025

   
  Complaint: 23208897
  
  I am rejecting this response because: additional information was requested by the business.

  The account in question is under my wife's name, ***** ***********, under her employer (#*****) - Cleveland Clinic. It is for plan year 2024 - Flexible Spending Account.

  
  Sincerely,
  
  ***** ***********

  

  Business Response

  Date: 04/22/2025

  Hi *****,
  

  Thank you for providing additional information that allowed us to locate the account.
  

  In review of the documentation submitted for the $199.00 debit card transaction from 01/20/2025, we found that the first document submitted on 03/10/2025 was missing the amount of the item. The document submitted on 03/18/2025 provided that amount. Then, we requested a Letter of Medical Necessity (LOMN) for the expense.
  

  This letter would allow us to confirm these services were rendered to treat an underlying medical condition, as they are not eligible when treating general health. This is further detailed on our website, ******************************, by selecting *********** FSA within the Health & Benefits dropdown then selecting View eligible Expenses. 
  

  We found the letter submitted on 04/07/2025 which allowed us to approve the $199.00 transaction. There is no further action required for this transaction.
  

  Wed like to provide more information on why we request documentation for debit card transactions.
  

  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 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 accountholders to submit an itemized receipt or Explanation of Benefits (EOB) from their insurance company.
  

  Wed like to explain the $794.09 claim denial. The documentation submitted on 02/04/2025 and 04/07/2025 has most of the information we need. However, we will need documentation showing each date of service for the personal training sessions. This is because the date of service helps determine eligibility.
  

  The *** regulations Prop. *****. Reg. 1.125-6(a)(2),provides the following: expenses are incurred when the employee (or the employee's spouse or dependents) is provided with the care, and not when the employee is formally billed, charged for, or pays for the care. The *** Publication 969, Distributions from an *** explains that distributions from an FSA must be paid only to reimburse you for qualified expenses you incurred during the period of coverage.
  

  If you are able to provide documents showing all dates of service within 2024, we will be able to approve this claim. Once the documentation is provided, please allow 3-5 business days for our team to process.
  

  We hope this explanation has been helpful and provides clarity on what is needed. Please feel free to reach out if you have any questions.
  

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 05/12/2025

   
  Complaint: 23208897
  
  I am rejecting this response because: 

  
  This complaint was closed a little too soon. After Inspira Financial requested in their last reply that I send them a list of the dates in 2024 that I met with my personal trainer, I did so using their online portal. However, they have rejected my claim once again (see attached documentation). I have provided all documentation they have asked for (in 4 rounds of back and forth submissions and denials), and they continue to deny my claim to reimburse me for the money my wife and I paid into the *** account. They provide no way to reply to their denials so there is no written avenue of communication with them. I would request that you please re-open this case against them.
  

  
  

  Sincerely,
  
  ***** ***********

  

  Business Response

  Date: 05/14/2025

  Hi *****,  
  

  We apologize that your claim was denied after submitting the requested information. Thank you for taking the time to provide the necessary documentation for your claim.  
  

  The documentation submitted on 05/08/2025, showing the date of service for all sessions, with the original documentation submitted on 02/04/2025, showing your financial responsibility, allowed us to approve the claim of $794.09.  
  

  This claim will reimburse your remaining 2024 Flexible Spending Account (FSA) balance of $565.34 on 05/15/2025 to the bank account on file. Please allow 3-5 business days for the payment to post, depending on your bank.  
  

  If you have any additional questions or concerns, please let us know and we are happy to further help.  
  

  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:04/15/2025

  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.

  The Inspira financial took over my **** *** and traditional *** from prior employer, however they are not releasing to my new brockeage.I've tried email, tons of phone calls and only got misc excuses not transfer out my asset, which they hold forever. I looked up BBB and there are so many cases like this, it's almost certain a one star company's business practice need BBB downgrade their ratings.This is not a one case thing, it was like this since called Mellinium, I tried to move out my asset years ago and they made it almost too diffecult to do so. This business is not ethical and need a closer investigation from financial regulations if not crimial.

  

  Business Response

  Date: 04/30/2025

  Hi Su,
  

  Were glad we were able to connect with you and reunite you with your retirement funds. Thank you for taking the time to discuss your accounts with us. Transfers for both of your accounts were processed on April 16 and April 22. As we discussed, we will be providing you with closing statements. Please contact us directly if you have any questions or if we can provide any further assistance.
  

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 05/02/2025

   
  Complaint: 23207274
  
  I am rejecting this response because: the statement issued to me is not accounted CLOSURE statement, especially the second statement still showing a balance. EVEN I've tried several times explaining I need a CLOSURE CONFIRMATION statement from inspira, they are making it almost impossible to close out account and issuing me a formal statement. 

  I need a formal CLOSURE statement of BOTH accounts. Thanks

   

  
  Sincerely,
  
  ** ***

  

  Business Response

  Date: 05/15/2025

  Hi Su,
  

  Thank you for connecting with us again today. When we originally responded to you, one of your accounts still had a pending dividend transaction from one of your investments which prevented it from closing after the transfer. That dividend posted at the start of this month, and your funds were then transferred out and your account was closed. We will be providing you with closing statements to reflect the closure of both of your accounts. Please contact our client service representative directly if you have any questions or require additional assistance.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/14/2025

  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.

  I am filing this complaint regarding my Flexible Spending Account (FSA), administered through Inspira Financial via my employer. In 2024, I submitted ten (10) claims for roundtrip transportation services to and from school. All were submitted with adequate receipts totaling $1, ****** Only three claims were approved and paid. The remaining seven were denied without clear or consistent explanation. I made multiple phone calls over several months and was given different reasons each time. The explanations provided on the online portal also conflicted with what was told to me by representatives.Each time I was advised of a reason for denial, I updated and resubmitted the claims accordingly. Still, the March 31, 2025 deadline passed due to the repeated back-and-forth. During one call, a supervisor said the claims were denied because the drop-off location (school name) was missing. I revised the receipts to include that and submitted them through the claims dispute process.Then I was informed that all claimsincluding the four that were already approved and paidwere now denied because transportation services by a provider were not an eligible FSA expense. If this had been communicated clearly from the beginning, I could have submitted eligible claims and avoided forfeiting my funds.Further, the services and documentation I submitted in 2024 were the same (aside from service dates) as those submitted in 2023, all of which were approved and paid without issue. If there was a change in eligible expenses between 2023 and 2024, I received no **************** Inspira is trying to reclaim the funds previously paid, despite their error. This situation has caused unnecessary financial loss and frustration due to inconsistent communication and lack of transparency.I respectfully request approval of all claims, cancellation of repayment demands, explanation of changes in 2023 to 2024 eligible expenses, and a review of their communication/claim processing practices.

  

  Business Response

  Date: 04/21/2025

  Hello Dacia,
  

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns about several ************** Flexible Spending Account (DCFSA) claims that have been denied. Thank you for bringing your concerns to our attention and allowing us the opportunity to assist you.
  

  We extend our sincerest apologies for the experience youve brought to our attention. We understand how frustrating it can be when claims are denied. That is certainly not the type of service we want our accountholders to have. Well be evaluating the connection youve had with our support specialist and providing the necessary coaching to them.
  

  The $2,170.00 filed on 01/06/2025 and $3,220.00 claim filed on 03/04/2025 were denied asking for additional documentation to show the cost.However, additional documentation would still have resulted in denial as the transportation expense is not eligible under this account.
  

  This also applies to the 12 claims for $155.00 that have been denied.
  

  More information about eligible expenses under your DCFSA can be found on our website at: **************************************************************************************************
  

  As found on this resource, transportation expenses are only eligible if they are provided by the caregiver. Our claim processing team determined that the provider shown in your documentation only provides transportation services and no other eligible care for the dependent which makes it ineligible.
  

  There were three claims of the $155.00 claims that were incorrectly approved when they were submitted in March. The claims for 02/26/2024,03/04/2024, and 3/18/2024.

  From your call on 03/26/2025 and the case submitted about your claims, our claim team discovered this error and had to correct the account by denying the claims.
  

  Since these claims had been paid out to you on 03/21/2025 before the correction, the $465.00 amount has been moved into an overpayment status because of this. You can correct this by returning the funds by check or money order to the address below. Please include a note with your full name,employer name, last 4 digits of your social security number, and that the payment is for the 2024 ************** Flexible Spending Account.
  

  **********************
  PO Box 8396
  *****, NE 68108-0396
  

  Your plan allowed until 03/31/2025 to file claims for your 2024 DCFSA balance, the remaining balance will be forfeited due to IRS Publication 969. Your employer, not Inspira, determines what to do with the forfeited funds in compliance with ***** and *** guidelines. To offer more information on how the plan structure, weve included a link that further explains which can be found on page 17. ****************************************
  

  Again, we apologize for the frustrations youve experienced,and we hope that this information clarifies what occurred with your account.Thank you for taking the time to provide us with your feedback.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/14/2025

  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 have an HSA with Inspira through my former employer (****************** which I retired). On 2/24/2025 I used $4,000 from my *** to purchase two investment funds. However, while my account shows the transaction moving the money for purchase, the two investment funds have never showed up in my investment portfolio. Yet, my *** cash account has been reduced by $4,000. I have called their customer service multiple times and they have opened two cases but, to date, it is very clear they have no idea how to correct the issue. They will not connect me to anyone in a tech support capacity nor will they give me any US-based contact to call. I have told them over and over if they cant figure out how to complete the transaction then I want the $4,000 credited back to my cash account. To date nothing has changed and no one will contact me with a resolution.

  

  Business Response

  Date: 04/17/2025

  Hi ******,
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns your experience the confusion regarding the investments within your ************** Account.
  

  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

  
  

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23200496
  
  I am rejecting this response because:
  In response to your follow-up email, I have been contacted by a member of Inspira's Executive Response Team.  While we have reviewed the issue, the team member was having system issues and could not move forward on a resolution.  He is continuing to track the problem in the background and I anticipate I will hear back from him next week.  However, I do have a direct contact email so, if I don't hear from him, I can reach out to the team for an update.
  
  Long story short, the issue is not resolved, but I do feel I have finally found someone at the company who can help move things along and, hopefully, find a resolution soon.
  
  Thank you,
  
  ******* ******
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 05/01/2025

  Thank you for the further information *******.

  We in the Executive Response Team at Inspira can confirm that we are still working on a resolution for you. The specialist who reached out to you previously will do so again soon to provide an update on the matter.
  

  Thank you again for allowing us to assist you with your HSA investments,and please dont hesitate to bring any other concerns you may have to our attention.
  

  We are always here and happy to help.
  

  Sincerely,
  Inspira Financial
  

  
  

  Customer Answer

  Date: 05/07/2025

  Complaint: 23200496
  
  I am rejecting this response because: This is in response to the most recent communication from Inspira. I have been in touch with the individual on their team who is working to resolve the issue. We thought we had a resolution but, unfortunately, that was not the case. He was going to go back and connect with other team members in hopes of finding an answer. To date I have not heard back from him and the issue is still ongoing. Please note, while I appreciate the work being done to try and come to a resolution, I still do not wish to close this complaint until further notice. Thank you. 
  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 05/19/2025

  Hello *******,

  Thank you again for taking our call and continuing to work with us regarding your ************** Account.

  We're happy to confirm that the specialist you were working with was able to contact you and properly assist with transferring investement options.

  If you are to encounter any further difficulties, please don't hesitate to reach out let us know.

  We are always here and happy to assist!

• Initial Complaint

  Date:04/11/2025

  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.

  I am trying unsuccessfully to submit claims to my *** fund managed by Inspira Financial. I linked my bank account and verified the deposit/withdrawl from Inspira.I then submitted 3 claims for qualifying healthcare expenses.On 4/1 I got an email saying there was a fraud flag on my account, and I would need to call in to speak with an agent. I did so the following day and spent ONE HOUR on the phone with various Inspira agents, getting nowhere!Looking at my account today, it still says "Pending on hold" for all 3 of my claims. Inspira needs to pay out these claims immediately!

  

  Business Response

  Date: 04/15/2025

  Hi *********,
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns your experience with obtaining your HSA withdrawals, and the poor experience you had speaking with customer service.
  

  We appreciate you taking the time to provide us with your feedback. Its certainly not our intention for the reimbursement process to be difficult. We will be sure to review your recent interactions with us and take action internally, as we aim to provide the highest level of service with every call.
  

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

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

  Sincerely,
  Inspira Financial