BMS, LLC

*** [redacted] *** [redacted] [redacted] *** Hello,This letter is in response to the complaint issued by [redacted] , dated 3/2/2016, pertaining to forfeited monies remaining in her Flexible Spending Account (FSA) with her previous employer, [redacted] .BMS spoke to Ms [redacted] on multiple occasions on the dates she lists in her complaint, both via telephone and email regarding why BMS was unable to reimburse her funds that were contributed to her FSABMS promptly responded to all inquiries and explained thoroughly why we were unable to satisfy her request.FSAs are IRS mandated plans that have rules and regulations pertaining to how and when tax free FSA dollars can be used and accessedIt was explained to the customer that we were unable to reimburse her monies due to timely filing guidelinesBased upon her termination date with [redacted] , she had days from her termination date to file reimbursement claims with our office for services incurred while she was actively employedHer termination date was 7/28/2015; therefore she would have had to have filed her reimbursement claims towards her FSA no later than 10/28/for reimbursement consideration.This information is outlined and fully disclosed in the Summary Plan Description for the FSA, which BMS provided to her employerBMS has confirmed with her former employer that she was in fact provided with a copy of the Summary Plan Description in an email dated 5/20/2015, which is well before her termination date with [redacted] and the FSA (attachment included)BMS cannot simply reimburse her for the funds remaining in her account due to the guidelines outlined in the Summary Plan Description as well per as IRS guidelines pertaining to FSAs, which can be reviewed in IRS Publication 969, which can be accessed by visiting https://www.irs.gov/pub/irs-pdf/p969.pdf [redacted] has also confirmed that they will not make an exception to the rules for Ms [redacted] , as this would set a precedence and additional liability that they are not willing to expose themselves to.BMS has fully complied with IRS regulations, as has her former employer, and fully disclosed all outlined information to Ms [redacted] Thank you [redacted] *** :: President and OwnerBenefit Marketing Solutions LLC (BMS LLC) :: Independently owned and operated since [redacted] [redacted] [redacted] ** ***

That is the line she continues to repeat as a way to deflect her firm's incompetence in providing their serviceThere has been no pressure on me or anyone else other than our many unhappy employees who can't get access to their flexible spending balances and are for the first time being asked to provide receipts for medical expenses incurred a year or more agoI don't expect the Revdex.com or the member to do anything about this matter, but I want a complaint lodged regardless of the company's use of smoke and mirrors to deflect attention away from the issue at hand I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]

***? [redacted] ***? [redacted] ? [redacted] ? ***? Hello,This letter is in response to the complaint issued by [redacted] , dated 3/2/2016, pertaining to forfeited monies remaining in her Flexible Spending Account (FSA) with her previous employer, [redacted] .BMS spoke to Ms [redacted] on multiple occasions on the dates she lists in her complaint, both via telephone and email regarding why BMS was unable to reimburse her funds that were contributed to her FSABMS promptly responded to all inquiries and explained thoroughly why we were unable to satisfy her request.FSAs are IRS mandated plans that have rules and regulations pertaining to how and when tax free FSA dollars can be used and accessedIt was explained to the customer that we were unable to reimburse her monies due to timely filing guidelinesBased upon her termination date with [redacted] , she had days from her termination date to file reimbursement claims with our office for services incurred while she was actively employedHer termination date was 7/28/2015; therefore she would have had to have filed her reimbursement claims towards her FSA no later than 10/28/for reimbursement consideration.This information is outlined and fully disclosed in the Summary Plan Description for the FSA, which BMS provided to her employerBMS has confirmed with her former employer that she was in fact provided with a copy of the Summary Plan Description in an email dated 5/20/2015, which is well before her termination date with [redacted] and the FSA (attachment included).? BMS cannot simply reimburse her for the funds remaining in her account due to the guidelines outlined in the Summary Plan Description as well per as IRS guidelines pertaining to FSAs, which can be reviewed in IRS Publication 969, which can be accessed by visiting? https://www.irs.gov/pub/irs-pdf/p969.pdf.? [redacted] has also confirmed that they will not make an exception to the rules for Ms [redacted] , as this would set a precedence and additional liability that they are not willing to expose themselves to.BMS has fully complied with IRS regulations, as has her former employer, and fully disclosed all outlined information to Ms [redacted] .? Thank you.? [redacted] ***? :: President and OwnerBenefit Marketing Solutions LLC (BMS LLC)? :: Independently owned and operated since [redacted] ? [redacted] ? [redacted] **? ***

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BMS LLC has issued multiple emails in response to the attached complaint from this former client representative who has failed to comply with Section
of the IRS Code. We will be happy to share this information with you if necessary, similar to what was provided to the Kentucky Department of Insurance, but many of the items contain propriety information.
We feel he is personally concerned about potential IRS audit for his employer plans and his failure to adhere to IRS guidelines may have him concerned about potential pre-tax ramifications for his employees. We are awaiting his full compliance in order to finalize our administration as detailed specifically in signed and executed contracts on file. As a certified Revdex.com Member for many years with an A+ rating and no complaints on file, we feel at this point he is grasping at straws in an effort to answer to new ownership of his company who may possibly be pressuring him for resolution
Once we have received the requested information from him to certify full compliance, we will most certainly finalize our administration and close out all items, including any funds remaining on account as detailed in said executed contracts and agreements.
Please do not hesitate to contact me directly for additional details if necessary. Thank you!
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***? ***? Hello,This letter is in response to the complaint issued by *** ***, dated 3/2/2016, pertaining to forfeited monies remaining in her Flexible Spending Account
(FSA) with her previous employer, *** *** ***.BMS spoke to Ms*** on multiple occasions on the dates she lists in her complaint, both via telephone and email regarding why BMS was unable to reimburse her funds that were contributed to her FSABMS promptly responded to all inquiries and explained thoroughly why we were unable to satisfy her request.FSAs are IRS mandated plans that have rules and regulations pertaining to how and when tax free FSA dollars can be used and accessedIt was explained to the customer that we were unable to reimburse her monies due to timely filing guidelinesBased upon her termination date with *** *** ***, she had days from her termination date to file reimbursement claims with our office for services incurred while she was actively employedHer termination date was 7/28/2015; therefore she would have had to have filed her reimbursement claims towards her FSA no later than 10/28/for reimbursement consideration.This information is outlined and fully disclosed in the Summary Plan Description for the FSA, which BMS provided to her employerBMS has confirmed with her former employer that she was in fact provided with a copy of the Summary Plan Description in an email dated 5/20/2015, which is well before her termination date with *** *** *** and the FSA (attachment included).? BMS cannot simply reimburse her for the funds remaining in her account due to the guidelines outlined in the Summary Plan Description as well per as IRS guidelines pertaining to FSAs, which can be reviewed in IRS Publication 969, which can be accessed by visiting? https://www.irs.gov/pub/irs-pdf/p969.pdf.? *** *** *** has also confirmed that they will not make an exception to the rules for Ms***, as this would set a precedence and additional liability that they are not willing to expose themselves to.BMS has fully complied with IRS regulations, as has her former employer, and fully disclosed all outlined information to Ms***.? Thank you.? *** ** *** ***? :: President and OwnerBenefit Marketing Solutions LLC (BMS LLC)? :: Independently owned and operated since 1995.*** ***? *** *** *** *** ** ***
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That is the line she continues to repeat as a way to deflect her firm's incompetence in providing their service. There has been no pressure on me or anyone else other than our many unhappy employees who can't get access to their flexible spending balances and are for the first time being asked to provide receipts for medical expenses incurred a year or more ago. I don't expect the Revdex.com or the member to do anything about this matter, but I want a complaint lodged regardless of the company's use of smoke and mirrors to deflect attention away from the issue at hand
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

[redacted]
[redacted] Hello,This letter is in response to the complaint issued by [redacted], dated 3/2/2016, pertaining to forfeited monies remaining in her Flexible Spending Account...

(FSA) with her previous employer, [redacted].BMS spoke to Ms. [redacted] on multiple occasions on the dates she lists in her complaint, both via telephone and email regarding why BMS was unable to reimburse her funds that were contributed to her FSA. BMS promptly responded to all inquiries and explained thoroughly why we were unable to satisfy her request.FSAs are IRS mandated plans that have rules and regulations pertaining to how and when tax free FSA dollars can be used and accessed. It was explained to the customer that we were unable to reimburse her monies due to timely filing guidelines. Based upon her termination date with [redacted], she had 90 days from her termination date to file reimbursement claims with our office for services incurred while she was actively employed. Her termination date was 7/28/2015; therefore she would have had to have filed her reimbursement claims towards her FSA no later than 10/28/2015 for reimbursement consideration.This information is outlined and fully disclosed in the Summary Plan Description for the FSA, which BMS provided to her employer. BMS has confirmed with her former employer that she was in fact provided with a copy of the Summary Plan Description in an email dated 5/20/2015, which is well before her termination date with [redacted] and the FSA (attachment included). BMS cannot simply reimburse her for the funds remaining in her account due to the guidelines outlined in the Summary Plan Description as well per as IRS guidelines pertaining to FSAs, which can be reviewed in IRS Publication 969, which can be accessed by visiting https://www.irs.gov/pub/irs-pdf/p969.pdf. [redacted] has also confirmed that they will not make an exception to the rules for Ms. [redacted], as this would set a precedence and additional liability that they are not willing to expose themselves to.BMS has fully complied with IRS regulations, as has her former employer, and fully disclosed all outlined information to Ms. [redacted].  Thank you. [redacted] :: President and OwnerBenefit Marketing Solutions LLC (BMS LLC) :: Independently owned and operated since 1995.[redacted]