PayFlex Systems USA

PayFlex is the worst FSA/HSA company. I've dealt with other FSA/HSA companies and I've never had to jump through so many hoops.
First, my PayFlex card has never worked. It was always declined when trying to pay any medical, dental, or vision cost. So, I would file a claim and attach receipts. Each claim was denied and I would have to file an appeal and get my insurance company involved. Then finally, after a month(s) of back and forth, the claim would get approved.
Second, things got even worse after I was laid off from my job. I selected to continue PayFlex through COBRA. (Side note: I never had to continue a FSA with COBRA after leaving an employer. Other companies would allow the account to remain open to use any funds available until the end of the year.)
PayFlex only made things more difficult through COBRA. COBRA would have to contact PayFlex and send several letters explaining why my account should remain active. PayFlex continued to deny my claims until a letter was sent with EVERY SINGLE claim stating that my account should remain in good standing.
Lastly, please beware, if you leave or change medical insurance, PayFlex will close (read: terminate) your account so you can no longer access any money in the account.
Please read other reviews. It's very troubling and telling about PayFlex on how they chose to operate.

I trying to reset my password every time I call or try I keep transferred I’m not particularity happy I can’t see my account and know what’s going on or fix a claim if wrong info I sent by accident I just want to first get into my account first then go from there I sent numerous e-mails saying I’m probly gonna send duplicate claims in because I had a lot of back- dated claims some were paid most were not to ignore or not pay the duplicates but I’ve been locked out and a simple reset fix problem but keep getting runaround! Thank you

Payflex Systems USA should be audited by Federal trade commission as well as Security and exchange for willful dereliction of duty in mismanagement of funds as an IRS agent. Payflex Systems USA staff are incompetent and they do NOT understand their Job function nor are they educated enough to guide anyone in IRS administered fund management and disbursement. I encourage everyone to file a complaint with FTC, SEC and IRS, hoping that Payflex Systems will lose its license to operate. This company's mismanagement borderlines criminal enterprise, where by illegally delaying and denying legitimate expenses, the subscriber will not be able to consume amount set aside.
Payflex Systems USA is poorly managed where they could NOT provide me with the Debit card I requested back in December of 2019 when I signed up for HSA account for 2020. Their failure delayed my child's orthodontics and oral surgery back by Two months. So instead of seeing the orthodontist in January, we had to do it in March 2020. This unacceptable delay has been compounded with the COVID-19 shutdown of Dentists and oral surgery's offices adding to my child's pain and misery.

My HSA contribution from my paycheck was deducted on January 6th and sent to PayFlex as usual (this account has been in place for well over a year)PayFlex did not deposit this money in my HSA accountThe money is missing and for a week PayFlex has not yet responded to direct requests from myself and my company regarding what happened to the moneyI guess my next options are to contact the Revdex.com, the [redacted] and an attorneyBut I hope PayFlex will act immediately (before the next payday) to deposit this money in my HSA account, include the interest it should have accrued since January 6th, and make sure this doesn't happen againMaybe PayFlex will finally pay attention if this is posted here

Where as I have had many negative experiences with the PayFlex system, I did today finally have a positive oneAfter calling repeatedly about getting my FlexCard reactivated, fighting with Customer Service people about the EOB I submitted, I finally got a pleasant, helpful person [redacted] was my 3rd Customer Service person todayShe seemed to legitimately care and understand my situationShe was able to adequately explain what was actually missing in my EOB so that I could provide better documentation in the futureShe helped me resolve my issues and get my card reactivated Regardless if my card had been reactivated or not, I would have still been impressed with ***'s customer service skillsShe seemed to know her system better than any previous operators and was able to help ME understand her system betterShe was very helpful and very pleasant to work with It's too bad, and very telling, that the PayFlex website doesn't have a way for me to leave a commentI would like very much for [redacted] to know that people do appreciate her good work Thank you *** [redacted]

My employer began using Payflex and I was glad to have a FSA once again with the upcoming birth of my childThis company has been a nightmare to deal withThey don't communicate With doctors office, insurance, or their clients, other than to tell them their card will be deactivated and they need more documentationHow is standard pre natal care not an approved expense?! Then I call to get the issue resolved and your customer service is worthless! You tell me it will be approved once my child is born, but not until then?! so now my card will be deactivated and I won't be able to use it for the only reason I got it

I can see that I am not the only one that has negative feeling towards Payflex Systems. Not only do you lose your money at the end of the month, as noted by other reviews, but the claims process is an absolute nightmare. God forbid if you can make it through the automated system in an hour, you will get connected to a customer service representative that knows about as much a a preschooler about the interface or how the claims are processed. I legitimately was told "That is weird, I can't help you. You should try again tomorrow". It is actually comical how bad this service is. I am not one to write bad reviews, but the service just pushed me over the edge.

This company continues to create barriers in paying the claims submitted by their clientsThey are rude, poor educated about the rules for submission and continue to hold money to that they can claim it at the end of the year

I am unable to get on their websiteI never have been able toI have called and they just tell me to keep tryingI need to get on to set up payments to reimburse myself for medical bills I have paid out of pocket

Very slow to respond to requests and information imparted is not always accurate It's curious that the Revdex.com gives this company an A+ rating with 275+ complaints and the negative reviews

Claim Denied because I had no "proof of medical necessity" when the items clearly identified on the itemized receipt do not require any proof by government regulations These exact items were listed on the Payflex website as not requiring a prescription or documentation beyond receipt All this after two phone calls to customer service reps who told me that the paperwork I submitted and the way that I submitted it (online) would be the best way to handle the situation I also want to confirm the complaints of others here who state that their computer system has problems It also locked me out from logging in, and the reset password feature failed three times before I got it to work I will not be using this company in the future It is pretty obvious, they go out of their way to keep my FSA Money by hassling me at every turn I guess they just hope I'll give up and they'll make more from me This is a completely different business model than the FSA administrator companies I've used before, The other companies try to keep customers happy and requiring as little effort and thus overhead as possibleThey operate on a thin margin This company has been sending mail warning that paperwork is inadequate, then requiring me to send more documentation, then denying documentation and requiring me to submit a formal appeal, which someone will have to process They make so much work for themselves clearly they are trying to make me give up so they keep the money

My company starting using Payflex this yearFrom what I can tell, they are more interested in keeping your money and drawing interest off of it than they are about being a convenient way to pay for your medical expensesI believe my card has been deactivated more time than the time I have been able to use itIts ridiculous the burden they put on you to prove the expense was for medicalYour better off keeping your money and filing your receipts with the ***I think they are easier to deal with

Terrible customer service and telephone system Several minutes spent on an annoying computer voice response system which ended with the computer disconnecting my call without ever letting me speak to a live agent No option for live on-line chat with an agent, and no option to e-mail In order to get to customer service you either need to use snail mail or suffer through this terrible computer voice response system

I faxed a HSA Closure form 7/26/(Tue) with a follow up call on 7/28/(Thur) and was told the check was mailed on 7/I called on 8/(Tue) and then was informed my check wasn't mailed but would be by close of business that day or the next day so I called 8/and was told the check was mailedI called 8/(Fri) and was told the check was not mailed and I would have to wait until 8/(Mon)I call 8/and was told the check was mailed on 7/but didn't have a image of the check so wait another business day to confirmSo on my first call on 8/I was told check was not mailed but I could track it via [redacted] and I asked for a p/w re-set and the Rep did and said it would take an hour to get the emailAfter waiting hours and no e-mail I called to ask for another p/w re-set and that my check has not been mailedIt has been business days (days) and my check THAT IS MY MONEY has not been mailed I've only got multiple contradicting answersAll I want is MY MONEY