Complaints

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

close

Find a Location

Flores & Associates has 3 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Flores & Associates

  2013 W Morehead St Ste B Charlotte, NC 28208-5139

• 

  Flores & Associates

  PO Box 31397 Charlotte, NC 28231-1397

• 

  Flores & Associates

  227 W Trade St Ste 2000 Charlotte, NC 28202-1699

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:04/10/2025

  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.

  Nobody will answer the phone or any emails at this business! I need to be able to access my *** account for tax information because I was never sent the proper forms and need to be able to properly report my distributions/contributions. I cannot access my account because the multi-factor identification is linked to my former work email which I no longer have access to. I have been trying and trying to contact this business via phone and email and have not been able to get ahold of any one to assist. All I want is to login to my online account.

  Business Response

  Date: 04/14/2025

  Thank you for reaching out and bringing your concerns to our attention. We sincerely apologize for the difficulty you experienced in trying to contact us and for any frustration this may have caused.

  
  We understand the importance of accessing your HSA account and the necessary tax forms for accurate reporting. Were pleased to confirm that one of our representatives reached out to you on April 11, 2024, at 10:23 AM and provided the assistance needed to regain access to your account and retrieve your tax documents.

  
  If you have any further questions or need additional support, please dont hesitate to reach back out to us at ************. We're here to help and want to ensure you have everything you need.

• 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.

  A monthly debit at the start of the month from my *********** Account ending in 4013 for unknown charges going back many months. Impossible to reach company with a non-responsive telephone directory that automatically disconnects the caller at *************

  Business Response

  Date: 04/16/2025

  Thank you for bringing this matter to our attention.
  
  We understand the concern regarding the recurring monthly charges. A COBRA representative contacted tyou on April 15, 2025, to review the dental coverage in question. During this conversation, it was clarified that recurring payments had been previously elected for ongoing COBRA dental coverage.
  To discontinue future charges, the recurring payment option can be cancelled by logging into ********************************* and updating the payment preferences accordingly.
  
  We sincerely apologize for any inconvenience experienced when attempting to contact us. For direct assistance, we encourage the complainant to call us at ************, select option 2 for "Participant," and then option 2 again for "COBRA." Our team is available to provide further support as needed.

• Initial Complaint

  Date:03/31/2025

  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 have a commuter benefits account with **********************. I left my employment at the company with whom I have this account linked to, and my employer mentioned that I will access to my funds until the end of the month. However, the card stopped working immediately! I had ~$400 in that account that ********************** just simply took away from me and refuses to let me transfer it out of their account. It took several emails and waiting on the phone for an hour to access any support. I would like my full commuter balance to be returned to me so that I can transfer the balance to my public transit card.

  Business Response

  Date: 04/04/2025

  Thank you for reaching out to us, and we apologize for any frustration you've experienced regarding your commuter benefits account. We understand the importance of accessing your funds, and we want to clarify the details of your situation.

  As per the plan design, the benefit end date is tied to your employment termination date. This means that your access to the funds on the account ends on the date your employment ended. However, you are still eligible to submit reimbursement requests for any eligible transit or parking expenses incurred between February 26, 2025, and March 21, 2025. These are the eligible dates of service for which you can request reimbursement.
  
  Please note that the funds in your account are not portable and must be used by March 31, 2026, for eligible expenses related to parking, as per *** regulations. Any remaining funds that are not used by this date will be forfeited. The funds may be accessed through ************ by creating a reimbursement request. 
  
  If you need assistance in submitting reimbursement requests or have any further questions, please don't hesitate to reach out to our customer support team at ************, Monday through Friday, from 8:00 AM ET to 8:00 PM ET. We are here to help.
  
  Thank you for your understanding, and we apologize again for the inconvenience.

• Initial Complaint

  Date:03/27/2025

  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 elected the *** benefits offered by my employer. I contributed $2500.00 in 2024 towards child care but only $300 has been approved. The company has repeatedly (and in violation of *** Pub 503) denied my claim for reimbursement, without providing explanation. They do not answer their phone/the ** mailbox is full/hey do not respond to email. I provided all the necessary paperwork/receipts/tax ID. I have attached the receipts with the tax ID.

  Business Response

  Date: 03/31/2025

  Thank you for reaching out to us, and we sincerely apologize for the delay in processing your claim. Upon reviewing the issue, we found that the delay was caused by the claim processor using payment dates to substantiate the claim, rather than the service dates. After further review of your documentation, we can confirm that the service dates for the 2024 plan year are included, which has allowed us to move forward with the reimbursement process.
  
  You have already been reimbursed $400 on 03/21/2025 and $300 on 03/27/2025 via check. The remaining $1,800 has been approved, and a check will be mailed on 04/01/2025.
  
  We apologize for any confusion or frustration this may have caused and appreciate your patience as we worked to resolve the issue.
  
  If you have any further questions or concerns, please don't hesitate to reach out to us at ************. The best time to call is between 5:30pm and 7:30pm ET.
  
  Thank you for your understanding.

• Initial Complaint

  Date:03/26/2025

  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.

  Our health insurance under my husbands name ******* ***** with Deltal Dental (*********) ended Feb 17th and we. Paid for *************** thru Flores on March 5, 2025 retroactive Feb 18-March 31 2025. We were told our insurance would be activated within 7-10 business days max- we have called everyday since the 10th business day & still not activated and Flores keeps telling us theyve emailed Urgent & to activate our insurance- ************* says only Flores has to send information that weve paid & they say havent received anything from them. This has been the worst experience with an *********************** we have ever had-

  Business Response

  Date: 03/31/2025

  Thank you for reaching out to us regarding your *************** activation. We sincerely apologize for any inconvenience and frustration this delay has caused.
  
  After reviewing your case, we have confirmed that your COBRA coverage with ************ is currently active. We understand the importance of timely activation, and we appreciate your patience throughout this process.
  
  If you have any further concerns or need additional assistance, please do not hesitate to contact us. We are here to help and will continue to monitor the situation closely to ensure that your coverage remains fully active without further delay.
  
  Thank you again for bringing this to our attention, and we appreciate your understanding.

  Customer Answer

  Date: 03/31/2025

   
  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:03/13/2025

  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 filed a complaint a month ago. I lost my FSA card and need a replacement. I cannot login because I dont work for the employer anymore. No one answers the phone at this company. Ive sat on hold for 7+ hours. In my previous BBB complaint they responded that I would receive my card within 2 weeks. It has now been 4 weeks. They are holding my money hostage and this is unacceptable. Ive even tried to reach out via social media and NO ONE responds. Please send my new card to ***************************************.

  Business Response

  Date: 03/14/2025

  Thank you for reaching out, and I apologize for the frustration you've experienced. I want to assure you that your new FSA card has been reissued as of March 13, 2025. We have confirmed the address you provided (****************************************) with our vendor, and it matches their system.

  
  Tomorrow, you will be able to track the status of your card being mailed out on our website, ************. You should expect to receive the card by March 21, 2025. Please note that the card will be sent in a plain white envelope, so be sure to check carefully, as it can sometimes be mistaken for junk mail.

  
  We sincerely apologize for the delays and the difficulties you've encountered while trying to get in touch with us. We're working hard to improve our customer service, and we truly appreciate your patience.
  

  If you have any further questions or need assistance, please don't hesitate to reach out.

• Initial Complaint

  Date:03/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **********************************: *********** for which I worked was incorporated into a larger corporation, which resulted in a change to the *************** provider (AKA Flores247). I contacted Flores247 and setup a new account for our COBRA Medical and ***************** This change occurred in early February 2025. Flores247 requires members to pay for services three-months in advance, which we did. It has been one-month and we still have no proof of medical or dental insurance from Flores247. Now, Flores requested we provide another $6,781.65 for ****** *** and June 2025. My wife and I should have Cigna medical and Cigna dental insurance, which we cannot use, as we are still without proof of insurance from Cigna or Flores247. Please, please help us!

  Business Response

  Date: 03/07/2025

  We understand how important access to your medical and dental insurance is, and we sincerely regret any frustration this situation has caused.

  To clarify, you enrolled in ***** coverage through Flores247 following the transition of your previous employer into a larger corporation. Your payment of $6,781.65 on February 20, 2025, covered premiums for January, February, and March at the rate of $2,260.55 per month. As part of the ***** process, all necessary payments must be received to bring the account current and active.
  

  Regarding proof of coverage, we reached out to you on March 6, 2025, and confirmed that you were able to obtain your Cigna ID number. Additionally, an invoice for the next coverage period April 1, 2025 to April 30, 2025 in the amount of $2,235.55 per month. 
  

  If you are still experiencing any issues with accessing your benefits, we encourage you to reach out to ***** directly for assistance with ID cards or provider verification. Our team is also happy to assist with any further clarification regarding your ***** coverage and payments.
  

  Please let us know how we can support you further. You can contact our customer service team at ************.

  
  

• 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.