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Business Profile

Employee Benefit Consultants

Flores & Associates

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Employee Benefit Consultants.

Complaints

This profile includes complaints for Flores & Associates's headquarters and its corporate-owned locations. To view all corporate locations, see

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Flores & Associates has 3 locations, listed below.

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    Customer Complaints Summary

    • 60 total complaints in the last 3 years.
    • 39 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/26/2025

      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 been trying to access over 7000 from my HSA - Flores Account and after several calls over 6 weeks, they told me today its my past employers fault. I have not had access to my money since October, and I have gotten a different story from them each time. They are completely incompetent. I still do not have access to money that is MINE that I very much need to pay medical expenses.

      Business Response

      Date: 03/03/2025

      We sincerely apologize for any frustration and inconvenience you have experienced while trying to access your HSA funds. We understand how important it is for you to have timely access to your account, especially for medical expenses.

      After reviewing your account, we can confirm that the funds have been transferred and are now available to you in the amount of $7,181.70. 

      We apologize for any difficulties you have experienced in reaching us. Our customer service team is available and ready to assist you. The best time to contact us is between 5:30 PM and 8:00 PM ET at ************. Please feel free to reach out during this timeframe, and we would be happy to address any concerns you may have.

      We appreciate your patience and the opportunity to assist you.
    • Initial Complaint

      Date:02/26/2025

      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.
      I have submitted multiple reimbursements they always deny. I resubmitted them got one email saying they were approved but now they dont answer emails. Cannot get anyone on there phones and it shows nothing on there customer portal. There customer service is so bad

      Business Response

      Date: 03/03/2025

      Thank you for reaching out and sharing your concerns. We understand how important it is for you to receive timely responses regarding your reimbursements.

      Based on our records, your plan under the Preferred Blue PPO requires you to first meet a $1,250 deductible before the *** begins reimbursing expenses. Currently, our documentation shows that you have paid $712.76 toward your deductible for the current plan year. Until the full $1,250 is met, reimbursements cannot be processed under the ***.

      We apologize for any difficulties you have experienced in reaching us. Our customer service team is available and ready to assist you. The best time to contact us is between 5:30 PM and 8:00 PM ET at ************. Please feel free to reach out during this timeframe, and we would be happy to address any concerns you may have.

      We appreciate your patience and the opportunity to assist you.

    • Initial Complaint

      Date:02/18/2025

      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.
      As of 11/2024, I enrolled in the commuter contribution benefit with my employer ConnectiveRX to have an amount of $25 be deducted from each pay to pay for public transportation (weekly bus pass) After 2 deductions I activated the card and attempted to use it on my transportation app and it was declined. I attempted to use it at the grocery store where passes were sold and it was declined. when I leave out for work ************** is closed as well as when I get home so I could not go there directly . The following day I attempted to reach out to the company but it was hold times would take up my entire break so I reached out to the company per email as 12/24. in the meantime in mid Jan I was finally able to get a *** on the phone and I explained my frustration and requested to have the funds deposited back into my account ( 2 payments of $25 was deducted from my bank account but taxes were taken out different amounts each deposit of $24.38 12/06 and one for $24.38 on 12/20 ) I was informed that i needed to submit receipts, and that was the only way that I could be reimbursed. I stressed that I was not able to use the card and could not provide any. I was told that if I paid out of pocket than that can be used . I explained that I have the transactions per my cash app card but it did not state the name of the transportation company. 2/2025 I finally got a response from my email from 12/24 and was told to fill out an affidavit and upload to the the site a check would be mailed. I completed the form and uploaded. updated my information as I am no longer employed with the company . 48 hours later I went to check the status per the website and there is no record of the form being uploaded I attempted to reach out to the company again and was hung up on twice after being on hold for almost ********************************************** it its not expressed that taxes will be taken out . weekly bus passes are $25 so I would have still been short on my transportation .

      Business Response

      Date: 02/23/2025

      Thank you for reaching out and sharing your concerns. We understand how frustrating this experience has been for you, and we appreciate the opportunity to address the matter.

      After reviewing your account, we have verified with the card vendor that there have been no recorded attempts where your card was swiped and declined. Additionally, we received your reimbursement request (document # ********), but it was initially rejected because it did not include the required documentation, such as an itemized bill or receipt for the expense.

      To assist you in resolving this matter, you may sign the bottom of the Transportation Claim form in place of an itemized bill or receipt. This will allow us to process your request without the need for additional documentation. Please submit the signed form at your earliest convenience, and we will work to expedite the processing of your reimbursement.

      If you need any further assistance, please do not hesitate to reach out to our customer support team at ************. We appreciate your patience and look forward to resolving this matter to your satisfaction.

    • Initial Complaint

      Date:02/13/2025

      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 have a *** card with the this company. My wallet was recently stolen and I need to order a replacement. The self service website doesnt work. No one answers their customer service line - Ive waited over 4 hours on hold. Ive emailed employees of the company asking to be connected with customer service. No response. I have money remaining on my card that is mine to use, and they are not responding. I just want my card reissued so I can use my **********: ********* ruddell **** Company: *************************** (***)

      Business Response

      Date: 02/14/2025

      Dear *******,

      We sincerely apologize for any frustration and inconvenience youve experienced while trying to obtain a replacement for your FSA card. Please know that a new debit card was issued and mailed to the address you provided in this complaint on October 23, 2024. A new debit card has been reissued, and you should receive it within the next two weeks. Please be on the lookout for a plain white envelope containing your card.

      We understand how important it is for you to access your funds, and we regret any difficulty you encountered in reaching our customer service team. For future assistance, our team is available at ************, Monday through Friday from 8:30 AM to 8:00 PM ET. To reduce wait times, we recommend calling after 5:30 PM ET.

      If you do not receive your replacement card within the expected timeframe or need any further assistance, please dont hesitate to reach out.
    • Initial Complaint

      Date:02/12/2025

      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 been paying for an *** since January 1st, I never received the card to be able to use the account, when I reached out to HR to ask about it, they told me to call the number for Flores. The automated system has since placed me on hold for the past hour and a half with no indication that they will be answering the call. This feels very much like a scam on their part to get the biweekly payment, not send the card, and not have to provide the service that I am paying for.

      Business Response

      Date: 02/13/2025

      Dear ****,

      Thank you for reaching out and bringing this matter to our attention. We sincerely apologize for any frustration or inconvenience you have experienced regarding your FSA payment card.

      According to our records, the initial payment card was mailed on December 12, 2024. After speaking with a customer service representative, a replacement card was mailed to the address provided in this complaint on February 12, 2025. Please allow up to 15 business days for delivery, and note that it will arrive in a plain white envelope.

      If you require further assistance, please do not hesitate to contact us at ************. Our customer service team is available Monday - Friday, 8:30 AM to 8:00 PM ET, and we are happy to help resolve any concerns you may have.

      We appreciate your patience and the opportunity to address this matter.
    • Initial Complaint

      Date:02/12/2025

      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.
      Flores has received over $500 from my paychecks for a dependent care FSA. When I filed for a reimbursement, it was denied because I did not give the provider's Tax ID #. According to the *** regulations in Publication 503 (2024) provided to me by Flores247, a Tax ID # does not need to be provided for tax-exempt organizations; the requester only needs to write "tax-exempt" in the appropriate blank on Form 2441, which I did. Flores has not responded to my emails or calls. I refiled my request, but given that Flores proven non-compliant with IRS-published regulations, I have concerns about whether they will provide the reimbursement.

      Business Response

      Date: 02/13/2025

      Dear *******,

      Thank you for bringing this matter to our attention. We sincerely apologize for the inconvenience and frustration this situation has caused. After reviewing your claim with our claims department, we determined that your reimbursement request was mistakenly denied. We have corrected this error, and the status of your claim has been updated to Approved. The reimbursement will be directly deposited into your bank account within 24 to 48 business hours.

      To prevent this from happening again, we have provided coaching to our team to ensure proper handling of similar cases in the future. We appreciate your patience and understanding.

      If you have any further questions or need additional assistance, our customer service team is available at ************, Monday through Friday, 8:30 AM 8:00 PM ET. For the quickest response, we recommend calling after 5:30 PM ET.

      Thank you for allowing us the opportunity to resolve this matter.

      Customer Answer

      Date: 02/13/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.

      Thank you. 
    • Initial Complaint

      Date:02/12/2025

      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.
      My previous employer, ClaimLogiq, used this company for benefits management. When I left the company, my *** card was changed to an individual HSA card. I am unable to use it to pay any medical bills onlineit says there are insufficient funds. This is not accurate. My account on their site says my account is closed but it is the old aHSA card. There is NO WAY to reach anyone with the company - check Yelp reviews. ON HOLD at least 45 minutes every time I call - I never get through to a person. Unable to resolve on line due to issue noted above, emails not **************** needs to call me, fix the problem and give me access to the money in my ***.

      Business Response

      Date: 02/13/2025

      Dear ********,

      Thank you for reaching out regarding your ************** Account (HSA). We understand your frustration and appreciate the opportunity to clarify and assist.

      Your current balance on your Flores & Associates debit card is $393.24. On February 6, 2025, there were two declined transactions for $1,000 and $1,296.60, which exceeded the available balance. To successfully use the remaining funds, we recommend asking your provider to process a charge for the exact amount left in your account.

      We sincerely apologize for any difficulty youve experienced in reaching us. Our customer service team is available at ************, Monday - Friday, 8:30 AM to 8:00 PM ET, with the best time to reach a representative being after 5:30 PM ET.

      If you need further assistance, please dont hesitate to contact us. We appreciate your patience and the opportunity to resolve this matter.

      Customer Answer

      Date: 02/13/2025

       
      I am rejecting this response because: I had put this card away as a used another *** account first. Please account for all charges made on this ***. I know of 2 at CVS and together they are less than $50. Please note I am unable to use the cphone number to check my balance or not what it was used for.

       

      ***** ******


      Business Response

      Date: 02/13/2025

      Dear ********,

      Thank you for your response. We understand your concerns regarding the charges on your ************** Account (HSA) and appreciate the opportunity to clarify.

      This HSA had an opening balance of $1,347.25 and has been subject to standard monthly $3.50 administration fees, which are outlined in your account terms. To date, there have been nineteen administration fees since 08/01/2023. Additionally, we have identified the following transactions:
           * ************* charge of $849.89 on 12/05/2024
           * Target charge of $25.45 on 02/01/2025
           * Target charge of $15.00 on 02/12/2025

      To ensure full transparency, we recommend reviewing your detailed transaction history via your online account portal. 

      Our customer service team is available at ************, Monday - Friday, 8:30 AM to 8:00 PM ET, with the best time to reach a representative being after 5:30 PM ET

      Customer Answer

      Date: 02/13/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me. But I remain unable to review this on their website, I would have to register the card with the new PID provided to me this morning. 

      Thank you. 
    • Initial Complaint

      Date:02/05/2025

      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.
      and inefficiency of Flores 247 FSA. Despite providing all necessary documentation for my dependent care reimbursement, my claim has been repeatedly denied without a clear explanation. My employer has been trying to reach them for over a month to resolve the issue, yet we still have no answers. The customer service is unresponsive, and the delays are unacceptable. Employees rely on these reimbursements, and the lack of communication and transparency makes the process unnecessarily frustrating. I strongly urge Flores 247 FSA to improve their customer service and claims processing system to better serve their clients.

      Business Response

      Date: 02/06/2025

      Thank you for reaching out and sharing your concerns. We sincerely apologize for any frustration or inconvenience you have experienced.

      Upon reviewing your account, we confirm that the documentation you provided for your dependent care reimbursement was sufficient. However, there are no remaining funds from your 2024 plan year (01/01/2024 12/31/2024), and there is no active dependent care account for 2025. This appears to be the reason your claims were denied.

      We understand the importance of these reimbursements and regret any confusion regarding your account status. If you believe there is an error or need further clarification, we encourage you to review your account details on ***************************** or reach out to our customer support team for assistance at ************.

      We appreciate your feedback and will continue working to enhance our service and communication. Please let us know how we can further assist you.

    • Initial Complaint

      Date:02/01/2025

      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 have been with Flores for going on 5 years and they have always been responsive and helpful. Starting November 2024, they had an "upgrade" to their system, and it has completely changed, and service has gone downhill. For the past 10 days I have emailed them 5 times with no response and called every day and chosen the proper options to get the correct department and no one ever answers the phone. On a monthly basis I get my $500 deposit on the card, they normally deposit it on or about the 26th of each month. It is now Feb 1st and no deposit has been made. I even contacted my former employer to see if it was an overall problem or just my account. They did tell me they do not see that anyone has received a deposit. Of course, today is a Saturday so I am unable to call anyone. I have a few auto reimbursements set up that will not process as well as a few prescriptions that I will be unable to fill due to the deposit not being in my account. Someone needs to resolve this quickly.

      Business Response

      Date: 02/06/2025

      Thank you for your feedback and for being a valued customer of ********************** for the past 5 years. We sincerely apologize for the challenges youve experienced since our system upgrade in November 2024.

      We understand how important it is for you to have your deposits processed and accessible on time, and we regret that this situation has caused you inconvenience.

      Upon reviewing your account, we can confirm that monthly deposits of $500.00 were successfully made on the following dates for the current plan year (10/01/2024 09/30/2025):
           10/28/2024
           11/28/2024
           12/27/2024
           01/28/2025

      To review the details of your account, including credits and debits, please log into ***************************** and click on View Participant Statement.

      If youre still unable to locate your deposit or have further concerns, we strongly encourage you to reach out to our customer support team at ************.

      Again, we apologize for any inconvenience, and we appreciate your patience as we continue to improve our system.

    • Initial Complaint

      Date:01/30/2025

      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 a *** account with the company and submitted a claim 12/14/24 which is still not reimbursed 46 days later. I contacted the company on 1/24/25 and they are still sitting on my money. This is not actually refund related, just trying to get the money that was withdrawn from my paycheck and they are illegally withholding.

      Business Response

      Date: 02/06/2025

      Thank you for reaching out and sharing your concerns. We apologize for any delays and understand how important it is to receive your reimbursement in a timely manner.


      We would like to confirm that a payment of $184 for the Transportation claim in question was issued via direct deposit on February 3, 2025, under document number ********. If you have not yet received the funds, we recommend checking with your financial institution, as processing times may vary.


      We appreciate your patience and value the opportunity to resolve this matter. If you have any further questions or need additional assistance, please contact our customer support team at ************.

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