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Business Profile

Financial Services

HSA Bank

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Complaints

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

Find a Location

HSA Bank has 6 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.

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    • HSA Bank

      605 N 8th St Ste 320 Sheboygan, WI 53081-4525

    • HSA Bank

      PO Box 10305 Watebury Waterbury, CT 06726-0305

    • HSA Bank

      PO Box 10305 Waterbury, CT 06726-0305

    • HSA Bank

      605 N 8th St Ste 320 Sheboygan, WI 53081-4525

    • HSA Bank

      211 N Wisconsin Dr Sheboygan, WI 53083-1118

    Customer Complaints Summary

    • 116 total complaints in the last 3 years.
    • 48 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/31/2025

      Type:Customer Service Issues
      Status:
      Resolved
      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.
      HSA Bank will not update our admin portal to account for switching primary representatives of our business that handle the *** and health insurance administration. We have submitted multiple forms that they have asked for and this has been going on for two months. They are incredibly slow to respond to email requests and continue to ask us for the same form that has been submitted multiple times.

      Business Response

      Date: 04/04/2025

      A written response dated April 4, 2025 was mailed to Mr. ****** addressing his concerns.

      Customer Answer

      Date: 04/04/2025

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      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. 

      Regards,

      ***** ******

    • Initial Complaint

      Date:03/09/2025

      Type:Product Issues
      Status:
      Answered
      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 Husbands former employer, Lyondell *******, deposits $100.00 every month into my account with ********************** as a reimbursement for a ******** supplemental policy. At this time there is $175.79 in my account. After numerous phone calls and E mails, they are refusing to fix the problem. My husband, **** *******, filed a claim last week with the BBB and in 2 days the problem was solved and HSA bank released the money that was owed to him. I am asking that whoever in your office contacted HSA bank, do the same thing for me.

      Business Response

      Date: 03/18/2025

      A written response dated 3/18/2025 was mailed to the client, Ms. ******** and addressed her concerns. 

    • Initial Complaint

      Date:03/05/2025

      Type:Billing Issues
      Status:
      Answered
      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 former employer ********, reimburses me and my wife $100 each every month to cover our costs for a ******** supplemental policy. ******** sends this money $100 every month to HSA bank and they are supposed to forward this $100 to us. We only partial payment For Feb 2025 and nothing for March 2025. I have contacted their service **** on several occasions and they always promise to resolve this matter but nothing changes. Last year I contacted the BBB on the same matter and it got resolved quickly. I'm hoping you can do the same this year again.

      Business Response

      Date: 03/18/2025

      A written response dated 3/18/2025 was mailed to the clients and addressed their concerns. 

    • Initial Complaint

      Date:03/04/2025

      Type:Product Issues
      Status:
      Answered
      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.
      HSA BANK sent Rollover Check on 02/10/2025 to ****** ******. We do not have an active account with ********************** & this money belongs to ************** ******************* in *******, ***** *****. Phone #************, Fax #************. Called HSA Bank requesting $13.74 be returned to Grace ********* Sent four emails to HSA BANK with No response. THIS MONEY BELONGS TO ***** WELLNESS. For *** audit purposes, a check made payable to ****** ****** is unacceptable. HSA Bank, please return $13.74 to Grace ******** ************* *******, *****, *****.

      Business Response

      Date: 03/14/2025

      A written response addressing the client's concerns was mailed on March 14, 2025. 

    • Initial Complaint

      Date:02/28/2025

      Type:Billing Issues
      Status:
      Answered
      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 just today discovered a string of fraudulent charges in my *** account. After contacting the company (HSA Bank) they have directed me to contact the bank to dispute them, however it seems they were negligent in recognizing or alerting me to these activities. Some research online shows other people experiencing the same issue with this provider. I believe the card I was originally issued was intercepted in the mail and was activated. I also think that bad actor was using it without an online account setup so essentially there were no verifications in place other than that person calling to activate the card. I also see that the activity stopped in March of 2024. I am not sure why but the card was never used again. I would like to find out what stopped the charges and if HSA Bank detected the fraud and stopped the account, why was I never notified? Did they make any effort to reach out? I never received any physical mail from them with an alert. I am disputing the charges, but they are long past the 60 day recommended reporting period for this type of fraud. They are just washing their hands of the issue and it seems like they are a large part of the reason this fraud was able to occur.

      Business Response

      Date: 03/05/2025

      March 5, 2025

      The client has been sent a detailed response addressing his concerns via US Postal mail to the address we have on file.

    • Initial Complaint

      Date:02/24/2025

      Type:Product Issues
      Status:
      Answered
      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.
      Requested a distribution from my *** account in January 2025 for $110.06. Check for $1100.06 was sent in error. I did not cash. Sent the difference to them ($990) as an adjustment so that i might cash the check. HSA Bank listed it as a contribution for 2025. I am retired and over 65 and can no longer make contributions. I called January 30, 2025, and spoke with *** ********* a supervisor. She stated that they would stop payment on the check for $1100.06, reissue a check for $110.06 and asked me to submit an HSA contribution reversal form and tax correction form (copies enclosed). After many attempts at resolution, I was able to confirm cancelation of the check with restoration of the $1100.06 to my account (although the ledger entry states that it was a correction for a contribution, not a correction for a distribution), and reissue of a distribution for $110.06. I have since contacted them on several occasions for the tax correction and the reversal of contribution for $990, each time I was told that it was being processed and would be resolved in a matter of 2-3 days. Ultimately, I received a letter in the mail stating that there was not a contribution matching the request and the two forms, tax correction and contribution reversal, were enclosed. I was advised to fill the form out again (no other instructions were given). This is not true. The ledger clearly shows a contribution from my bank for $990, and the website clearly shows that I have made a contribution for 2025 in the amount of $990. I spoke with a supervisor last week who understood the error and stated that he would escalate it to a higher level for evaluation. If I did not hear back from him by last Friday, he said I could call him back. When I tried to reach him last week and this week, I was told he was not available. I was denied opportunity to speak with another supervisor. When i pressed the request, I was told someone would call back. I was told this before, and to date have not been called.

      Business Response

      Date: 03/03/2025

      Please note that a written response dated March 3, 2025, was mailed to Mr. ******** addressing his concerns. 

      Customer Answer

      Date: 03/03/2025

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

      The response was only a letter stating that they were looking into the matter. No information regarding how or when the matter would be resolved.

      Regards,

      ******* ********

      Business Response

      Date: 03/03/2025

      Please note that a separate letter dated March 3, 2025, was mailed to the client fully addressing his concerns. The initial letter was an acknowledgement informing the client we were in receipt of his complaint. 

      Customer Answer

      Date: 03/05/2025

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed.

      To date, only part of my complaint has been addressed. HSA Bank has returned $990 contribution made erroneously for 2025. The account still shows that I made a contribution for 2025 in the amount of $990. My concern is this will be reported at the end of this year. I am in the process of transferring my account to a different institution and would like for this error to be addressed prior to the closure of my account.



      Regards,

      ******* ********

    • Initial Complaint

      Date:02/12/2025

      Type:Product Issues
      Status:
      Answered
      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 *** account was charged a recurring monthly fee by a Cryotherapy of ************, June 27, 2024. Cryotherapy of ************ closed end of May, 2024. I reported to HSA bank the fraudulent charge, mailed printed copies of website announcing closure and mailed required documentation. Spoke with a representative at the time and received follow up written communication 7/23/2024 and 9/6/2024 that their investigation was complete and credits issued permanent. (claim #D2419700890) *** allowed my account to continue to be billed monthly, July thru December 2024. I noticed in a year end review. I immediately contacted HSA bank. I was told by ***** ******, Specialist Lead *** that I needed to complete the request form for all of the transactions even though he could see the previous claim and closed investigation. He advised me that he was going to shut off card and reissue a new card. They don't have internal controls or monitoring for investigated, proven fraud other than to shut off the card number. He was going to investigate why that had not occurred prior. My new claim #D2502200337. I submitted a request for reimbursement for July thru December. I received written confirmation of my request for all 6 months, $1,050.00 I received a 2nd written communication indicating a provisional credit for 4 of the month. I called ***** and he advised me that he did not have the ability to communicate with any of his colleagues in claims processing division. (There is no way to contact claims.) It is not clear if they will reimburse for all 6 months. (90 day look back) HSA proved that my claim was accurate, the cryotherapy business was closed. they don't have appropriate fraud, risk management controls in place and at this time will not confirm that they will reimburse for the $1,050.00 I received a letter dated 2/5/2025 advising they need more information and proof that I have engaged with the merchant first to resolve. been about 6 weeks. delay, deny, delay.

      Business Response

      Date: 02/26/2025

      February 26, 2025

      A written response addressing the client's concerns has been sent via US Postal mail to the address on file.

    • Initial Complaint

      Date:02/04/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 requested fund rollover from HSA bank to Fidelity last December. But it took over *********************************** their bank. I made several calls. Everytime they promised finishing rollover within 24 hours, but this never happened with giving me any explanations. ******** also contacted HSA bank twice, but still nothing happened. I requested HSA Bank finish rollover within 24 hours, and called me for an ********************* for delay.

      Business Response

      Date: 02/11/2025

      A written response dated February 11. 2025, addressing the client's concerns was mailed. 

    • Initial Complaint

      Date:02/03/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      HSA Bank refuses to transfer my assets to ********.

      Business Response

      Date: 02/12/2025

      A written response, dated February 12, 2025, was mailed to Mr. ****** to address his concerns. 

    • Initial Complaint

      Date:01/31/2025

      Type:Product Issues
      Status:
      Answered
      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.
      Hi, I still have not received my account cancellation reimbursement check. On 1/17 I spoke to supervisor *** ********. The center claims my check is in the mail but I never receive it after waiting the 7-10 business days multiple times. My account has been closed for almost two months. The *********************** has been unable to help me. Could you please help me or assign my case to someone competent? I already emailed the HSA Bank CEO as well.

      Business Response

      Date: 02/04/2025

      A written response with full explanation addressing the concerns outlined in the complaint has been sent to the client via US Postal mail. 

    HSA Bank is NOT a BBB Accredited Business.

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