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

  PO Box 940287 Plano, TX 75094-0287

• 

  Millennium Trust Company

  8 Penn Ctr West Suite 101 Pittsburgh, PA 15276

• 

  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: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

• Initial Complaint

  Date:04/10/2025

  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.

  Mellinium Trust had my *** account in which is now Inspira. I cannot access my account on-line. Website is always down. Phone number states the business is closed even though I am calling during operating business hours. This company does not operate as a legitimate business. They have taken my 401k ********* have no access to it. All I seek now is to transfer my funds to my own personal *** account.

  

  Business Response

  Date: 04/25/2025

  Hi *******,
  

  We would be happy to assist you in accessing your account and submitting the necessary transfer direction paperwork. One of our client service representatives attempted to contact you; however, we were unable to reach you. Please contact our client service representative directly at your earliest convenience via the contact information provided to you. We can also schedule a date and time for a call if that would work best for your calendar. Once we receive your transfer paperwork, you transaction will be expedited.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/09/2025

  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.

  Inspira Financial has had my information to release my funds to me from a role over account from my prior employer and refuse to do so

  

  Business Response

  Date: 04/25/2025

  Hi *****,

  Were glad we were able to connect with you and resolve your issues. Thank you for taking the time to discuss your account with us today and complete the online process to submit your distribution direction. We have expedited your paperwork for processing. We will inform you once the distribution has been completed; however, please feel free to contact us directly if you have any questions or if we can be of further assistance.

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/05/2025

  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 used my Inspira card for for verified purchases. I uses it at my chiropractors office and my optometry and my physical therapists office. And they come up on my transactions and such. I also bought ************** to use for safety and their prescription. How did they get approved the year before but not this yr. This was for 2024 year election. Now I have $1600 for 2025 year election. I cant use Inspire card because they suspended my account and theyre still taking money out of my paycheck. Im not going to pay for something that clearly falls under fsa. My account is suspended *** submitted all receipts and still they wont clear my account.

  

  Business Response

  Date: 04/07/2025

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

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand your concerns about substantiating debit card transactions in your Flexible Spending Account (FSA). We apologize for any frustration this experience has brought you. 

  In review of your account, we see nine debit card transactions from your 2024 plan year that we requested documentation for. The 01/29/2024 $260.52, 01/30/2024 $547.13, and 01/30/2024 $197.18 transactions have been cleared with the documentation submitted to us on 02/24/2025.
  

  The documentation we received for the transaction of $168.09 from 01/31/2024 shows this was for sunglasses. However, sunglasses are only eligible if they have prescription lenses. If you can provide documentation showing this, we will be able to approve the amount. Otherwise, you will have to refund the account for $168.09.
  

  The documents submitted on 04/05/2025 for the $45.00 debit card transaction from 03/01/2024 only shows that a payment happened. The documentation will need to include the below criteria and cover an eligible expense for us to approve the transaction.Please resubmit the correct documentation for this transaction.
  

  We have not received any documentation for the other four transactions. Please submit documentation with the below information for the following transactions:01/29/2024 for $65.00, 02/01/2024 for $25.00, 02/06/2024 for $110.00, and 02/15/2024 for $30.00.
  

  Once the above transactions have been approved with the required information, your debit card will be reactivated. Although, the debit card being inactive does not stop you from accessing your 2025 FSA balance.
  

  You have the option to file claims for reimbursement from your 2025 balance by accessing your online profile at ****************************** and selecting File a Claim under your 2025 plan year. Similar to when you use your debit card, you will be required to provide supporting documentation that contains the information below when filing a claim.
  
  Below is more information about why we need documentation and the criteria that must be included.
  

  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 and the next steps to resolve your overpayment. If you have any further questions or concerns, please dont hesitate to contact us.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/03/2025

  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.

  This company manages our *** account. There are massive billing errors. They have attempted to correct them over the last 6 months but they continue. The management team has no interest in correcting the issues. This company should not be allowed to operate given it's tracking, reporting, and reconciliation deficiencies.

  

  Business Response

  Date: 04/03/2025

  Hi ******,
  

  Inspira Financial is in receipt of the complaint submitted to the Better Business Bureau. We understand you have concerns regarding your ************** Account (HSA). Thank you for bringing this to our attention and allowing us the opportunity to assist you.
  

  Wed love to address your ongoing issues, but unfortunately,we are unable to locate an account with the provided information.
  

  For personal assistance, please email us at ***************************************** with the accountholder's name, along with the name of the employer who sponsors the plan. A member of our team will be in contact.
  

  Thank you for your time and efforts!
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:04/02/2025

  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.

  Not paying claims. Very difficult to work with customer service. Website not not working as instructions state.

  

  Business Response

  Date: 04/14/2025

  Hi *******,

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns your experience with claims, contacting our customer service, and utilizing the website for your Flexible Spending Account (FSA).
  

  We appreciate you taking the time to provide us with your feedback. It's certainly not our intention for the reimbursement process to be difficult. We'd like to ensure that you are able to access your funds.
  

  Also, we will be reviewing your recent interactions with us and provide aligning feedback. 
  

  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 don't hesitate in bringing them to our attention.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:03/31/2025

  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 am writing to formally express my frustration and dissatisfaction with the handling of two claims I submitted through your serviceone medical and one dental. Medical Claim (Dermatology Visit) Denial #1: I submitted a medical claim for a dermatology visit, where the provider performed a skin check and identified 14 lesions that required treatment. After the claim was processed by my insurance, I received a statement for $88.69 from the dermatology office, which I paid in full. However, the claim was denied by your company on two separate occasions without an explanation, despite providing all necessary documentation. The most recent denial mentioned that I could not resubmit the information, which I find unacceptable. This was a valid medical visit, and I expect the claim to be processed ************* Claim (Crown Reattachment) Denial #2: The second issue concerns a dental claim for $75.00 related to my crown, which came off and needed to be reseated. I submitted the claim online, I reached out to my dental office before booking the appt, they confirmed that the insurance would not cover this particular issue. However, your denial stated that insurance should have covered it. The purpose of my *** is to assist with expenses like these, yet I am being penalized for following the process as outlined.If this issue is not resolved promptly, I will be forced to escalate this matter to the **** the Consumer Financial ***************** (****), Department of Insurance and DOGE to ensure a full investigation is conducted. I trust this will not be necessary, but I would appreciate a swift and accurate response to these claims.Thank you for your immediate attention to this matter.

  

  Business Response

  Date: 04/01/2025

  Hi Nirmala,
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns two denied claims from your Flexible Spending Account (FSA).
  

  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 claims are denied and that is certainly not the type of experience we want our accountholders to have.
  

  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 don't hesitate in bringing them to our attention.
  

  Sincerely,
  Inspira Financial

  Customer Answer

  Date: 04/02/2025

   
  Complaint: 23137308
  
  I am rejecting this response because:

  I would like to clarify the details regarding the initial documentation request, which TexFlex received on 11/25/2024 for the amount of $88.69. Please see the attached receipt for reference. Since your systems were experiencing issues, I faxed the required documentation on 12/09/2024 (fax confirmation is also attached). Additionally, Ive included the encounter invoice from ********************** showing the payment made on 09/03/2024. Please note that the fact this proof was processed by your office in 2025 does not impact the documentation I originally submitted. After contacting your customer service representatives in November and December 2024, I was advised to resubmit the claim, which I did. I assure you that there was no overpayment on this ********** clarify, the visit took place on 7/31, and I paid a $60.00 copay at the office. In August, I received an additional statement from the office stating I had a balance due of $88.69, which I paid on 09/03/2024 (the relevant statement is starred for your convenience). If you review your system, youll find a history of my calls regarding this matter, as I have made several attempts to resolve it. There have been over 3 different claims regarding this medical visit with me either faxing in documentation or submitting the required documentation. There is no reason this claim should have been denied, as all requested documentation was submitted promptly. I can provide call logs to your office showing the number of times I attempted to resolve this matter in 2024 without success. 

  Attachments included 

  
  Thank you for your assistance with the dental claim; I will print out the necessary information and include it in this email.
  
  Sincerely,
  
  ******* *******

  

  Business Response

  Date: 04/03/2025

  Hi *******,
  

  Thank you for providing additional information that allows us to better understand your concerns and assist you.
  

  Weve responded to your email with the resolution of the denied claims.
  

  Now that you have our email, please feel free to reach out to us if you have any questions or issues in the future.
  

  Sincerely,
  Inspira Financial

• Initial Complaint

  Date:03/30/2025

  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 have purchased *** approved items from **********************************. I have submitted receipts, and website links. They have frozen my account in attempt of stealing my money. The fact that my *** was an investment to me. Yet this *** my money is stolen from me at the end of the year, as well as the bullying of freezing my account for trying to spend down on approved items.

  

  Business Response

  Date: 04/02/2025

  Hi *****,
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns a card purchase that requires further documentation. Thank you for bringing your concerns to our attention and for giving us the opportunity to review and assist you.
  We understand how frustrating it can be when having to obtain and send additional documents after the initial submission, and that is certainly not the type of experience we want our members to have.
  

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

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

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

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

  Substantiation for the transaction in question, a 03/11/2025 purchase for $675.34, was sent via mail on 03/12/******** were then able to send a screenshot of the summary of the purchase, which detailed the items purchased and how much they cost.
  

  Unfortunately, this screenshot does not confirm the date this was paid on. It is imperative that we verify this date to ensure it was made within the eligible period of coverage.
  

  You were able to upload another submission on 03/31/2025, but this seems to be the exact same screenshot that was denied for not displaying the date of purchase.
  

  If we were to obtain an updated itemized receipt or EOB that displays the 5 items we use to confirm eligibility, then we would be happy to substantiate this service for you.
  

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

  Sincerely,
  Inspira Financial

  
  

• Initial Complaint

  Date:03/27/2025

  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.

  Inspira Financial is serving my company for our health benefits plan, in particular the *** and FSA accounts. Currently, I'm only able to access funds in my *** and not ***. My paycheck is being deducted every 2 weeks with a specific amount that I cannot access due to Inspira financial errors online. The company cannot provide access to MY VERY OWN FUNDS that is allocated in my *** account. Nor do they allow me to access this account. This has been going on since January 1, 2025.I'm requesting to either have my funds allocated back to my employer which can reimburse me the amount I have contributed to *** account being that almost 4 months has passed now that I wasn't able to access my funds and had to use out of pocket, taxed dollars to pay for health out of pocket medical expenses.

  

  Business Response

  Date: 03/28/2025

  Hi *******
  

  Inspira is in receipt of the complaint you submitted to Better Business Bureau. We understand your complaint concerns accessing the debit card for your Limited Purpose Flexible Spending Account (LPFSA).
  

  Wed like to thank you for bringing your concerns to our attention and for giving us the opportunity to review and assist you. Weve been able to isolate to origin of this confusion, and a representative from ourExecutive 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

• Initial Complaint

  Date:03/27/2025

  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.

  On 1/21/25 my son who is covered by my health insurance, vision, as well as dental insurance used the Payflex debit card to purchase prescription contact lenses. Inspira requested additional information to validate the transaction. My son was initially charged $550 and then refunded $130 because the insurance covers that amount. All of this is shown on my the transactions for the card. I submitted the *** on 2/18/25 and it was never reviewed. I received a second request for verification of the purchase on 3/19/25 that threatened to suspend my account. I resubmitted the *** and called the customer service line. While they acknowledge that my February submission had never been reviewed, they told me to wait 3-5 business days from 3/19 for a review to take place. On 3/26 my purchase went from "documentation under review" back to "verification required". I called and asked to speak to someone from the review team and was told this is not an option. How am I supposed to get an answer? **************** *** confirms that they can see exactly what I submitted and the transactions, yet the reviewers don't seem to see it? There's no one to escalate the case to?

  

  Business Response

  Date: 03/28/2025

  Hi ****,
  

  Thank you for allowing us the opportunity to assist you with addressing your recent concerns. We deeply apologize for the confusion regarding the substantiation of the referenced card purchase. Weve reviewed your account and are happy to provide a recent update.
  

  Our records indicate that, as you mentioned, documentation was uploaded from you on 02/21/2025. It seems a system error occurred at this time,and that error prevented this submission from processing correctly. This was noticed upon your return call to us on 03/20/2025, but our protocol of escalating matters such as this wasnt followed, which delayed a resolution for you.
  

  We would again like to apologize for this, as it was these internal missteps on our end that prevented this card purchase from being substantiated.
  

  You then called back in on 03/25/2025 and spoke with someone who took the correct measures in getting this submitted for review at an escalated level. This was completed on 03/27/2025 and we are happy to inform you that all transactions on your account have been substantiated, and there is no further action needed.
  

  Thank you again for your time and efforts, and please dont hesitate to contact us with any further questions or concerns.
  

  Sincerely,
  Inspira Financial

  
  

  Customer Answer

  Date: 04/01/2025

   
  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,
  
  **** ****