Reviews

This profile includes reviews 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 has 4 locations, listed below.

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  Inspira Financial Trust, LLC

  2001 Spring Rd Ste 700 Oak Brook, IL 60523-1890

  
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  Millennium Trust Company

  PO Box 940287 Plano, TX 75094-0287

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  Inspira Financial

  Omaha, NE 68164

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  Millennium Trust Company

  8 Penn Ctr West Suite 101 Pittsburgh, PA 15276

Review Details

• Review fromHannah B

  Date: 06/09/2025

  1 star
  I'd leave 0 stars if I could. **************** chat is hardly ever available, and calling will leave you on hold for over an hour in order to connect with someone (if you ever do get connected). The claim and transaction details do not have enough information on the screen. It is practically impossible to find anything online. The website times out, and the app does as well. The app details per claim/transactions doe not match what is online. There is no customer service email - why?? Email and text notifications do not work - to the point where my card was deactivated because I didn't know claims were denied. I had to submit documentation for autism therapy, even though "autism" was in the company title - why??? I will never recommend Inspira, and I'm glad I'm moving financial institutions. There are so many inconsistencies in how and when claims/transactions are reviewed. It seems they used to be reviewed quickly, but it's like they purposely are taking more time now that I need the approval process expedited. THE WORST customer service experience I've ever had.

• Review fromBrittany B

  Date: 06/05/2025

  1 star
  After over an hour and a half waiting on the phone it picked up and I was immediately disconnected. I have gotten nothing in the mail from this company after leaving Lowes. They are just stealing everyone's money and are getting away with it.

• Review fromSherri P

  Date: 06/02/2025

  1 star
  Inspira Financial is the only choice for an *** offered by my employer, so had I known what a massive nightmare it would be to use the *** for the last 2 years, I NEVER would have signed up for this ***. Over half of my expenses are rejected and Inspira requests receipts for known providers and suspends my card. Then once I do submit the documents, it takes over 10 days and several phone calls each time to be reflected on my account. Then I was told on my last conversation with an Inspira *** that I must provide Insurance EOB (Explanation of Benefit) statements in addition to the provider receipts. Inspira has sent threatening letters even after I submitted all receipts that the rejected expenses will result in a 1099 where the rejected expense amount will be counted as income to me! I DO NOT RECOMMEND USING Inspira Financial FSA. My husband's company uses HealthEquity FSA and it is so incredibly easy to use, so I know how to deal with a good FSA Company.

• Review fromSherri P

  Date: 05/31/2025

  1 star
  Inspira Financial *** is absolutely the WORST *** company I have ever used. They consistently ask for receipts for the same type of mental health visits as well as dental visits ( which are not requested by my husband's *** using a different company ). They suspended my account until I submitted $1765 of receipts, and then are super slow at approving them. Meanwhile they have sent mutliple threatening letters that I owe them the $1765, which were all valid *** expenses! Multiple phone calls to support do not help, and I was just told in addiiton to prioviding doctor's receipts with name, date, diagnoses, payments, etc. I now have to provide an Insurance *** for all these expenses to get them cleared! THIS IS ABSOLUTELY THEFT OF MY MONEY! Unfortunately my company does not provide another choice of *** company, so I will not be renewing the *** with Inspira, EVER!

• Review fromStephen W

  Date: 05/28/2025

  1 star
  Worst financial platform I've ever interacted with. Customer support is just as bad as their UI. Forced into being a customer because they bought my 401k from an employer. Would never use this company if I had a choice.

• Review fromChristina F

  Date: 05/20/2025

  1 star
  When our *** went from ******* to Inspira I was so hopeful things would improve and they have not. The website is awful with it is threatening warnings to close down your account but little direction on why The communication is slow and lax. I received notice that I owed money back to the *** account in late 2024 from a charge in 2023. I paid the 97 $ to reactivate my account however since it was almost 2 years later I was not able to use the 97$ it still sits there as on the 2023 account. RIP OFF I have had the same HRT and Supplement Treatments for 5 years through 2 physicians, yet I have to submit new documents every time. Then the same documentation is rejected and I have to start over again and pay to have new documents created. Our company only provides one option for health insurance so I have not other options but if you do stay away from Inspira FSA

• Review fromDenise R

  Date: 05/17/2025

  1 star
  This is the worst company Ive ever had managing an ***. Ive had to jump through hoops to verify completely legitimate claimsfrom dental and vision clinics, or telehealth providers where no insurance was used. Inspira keeps asking for **** even when the claim was never submitted to insurance. Its a ridiculous and unnecessary barrier to accessing my own funds. I sincerely hope my employer switches to a different *** provider next year.

• Review fromPreston R

  Date: 05/16/2025

  1 star
  Inspira horrible company that is making no true effort to roll my retirement out of their horrible institution. I have been working on this roll over since mid-February. I thought I was done when my new company, Inspira, & I got on a conference call to determine what they truly needed since they were asking for things they already had. in the end of that conversation it clarified they didn't like the name of my new institution's transfer paperwork. Today Inspira wants a trustee to trustee doc. Reporting them to the **** since at this point they're making no effort to transfer my funds or whether they want you and the new institution to keep filling out forms until they go away

• Review fromWayne P

  Date: 05/14/2025

  1 star
  Never had a problem with my Flexible Spending Account until the ************** handed over the job to them. They denied 7 claims using the card at doctors and places like Quest Diagnostics. Didnt try to use it at ******* or ********** I told them. Didnt matter they want documentation or else you need to pay money back. What are they so worried about its my money Im trying to use.

• Review fromChris O

  Date: 05/12/2025

  1 star
  Ok, can't get anyone on the phone. The rollover to *** is horrible you can't get into your account, the page stops working when you enter your information. You call again, the automated phone system sends the same link that does not work to create an account you can access. They have your money and charge a maintenance fee without letting you access your account. Can't be ************************.