Flores & Associates

My company unfortunately uses Flores. I’ve called 6-7 times and can never actually get through to someone who will help. They say I’ll get a call back “in about 48 hours”. I’ve been battling this for 6 weeks. Do everything in your power to not use them. Flores won’t even respond to reviews for a reason.

I can't think of a worst user experience on a platform. You would think they built this platform in the 1990s. It is actually insane how poor their user experience is submitting reimbursement claims. Not to mention their customer service hotline is non-existent. As if they intentionally make it as hard as humanly possible to submit a reimbursement....crazy right

I have used COBRA at various times during my working career. This had to be the most complicated transfer that I have experienced. Flores is a third party administrator for our company. I had retired and was going to continue with COBRA until at least the end of year. It took a minute before my employer sent the information to Flores, but as soon as they did I acted. I had medications in que and was eager to have them filled. Flores sent the info to my insurance company promptly. The problem was they were slowly reinstating through their system. They had done the medical but the prescription part was still showing expired. Susan from Flores patiently listened to my predicament and offered to contact my carrier through the back channels for faster service and able to help rectify the situation. Of note I had called my carrier and they were clueless as to what was going on.

My job was eliminated in March of this year. I immediately called Flores to inquire about my flexible spending account. I specifically asked for information about starting a COBRA account. I was told there was nothing to be done until my company had officially notified them of my separation. I called back twice more within the next two weeks for an update and was told "Our system is still not showing you as separated. Just sit tight. When we receive that notification, we will contact you about the COBRA." I asked about the remaining funds in my account and was told "Those funds are all showing as roll-over funds from your paychecks. Those are your funds. We will contact you." I called back today because my benefits card was declined at my son's pediatrician. My balance, which was approximately $500, is now $0.00. I called the company and was told "Those funds were forfeited for administrative purposes after you separated from your former company." I explained what I had been told by numerous employees previously and was then told "I don't know why you were told that. Unused funds are forfeited." No amount of begging these people, pleading with them, arguing that they stole MY MONEY that had been drawn from MY PAYCHECKS did any good. This company stole $500 from me, after telling me to "sit tight" and that I would not lose access to my money. Absolute scam. They are thieves, and I will continue to shout it from the rooftops.

This company is awful!! They make it so difficult to get your HSA funds. They only accept the transfer request by mail or fax. I have almost $500 in my account and they won't let me access it. I want to transfer the fund to my new HSA account, and I am getting the run around! Don't trust this company!

They steal your money! Company never sent a new card when they were purchased and changed names. I did exactly what the customer service represeative asked for purching item on personal card and submitting reimbursement. I was never informed about a deadline. Claim was denied and no one ever sent follow up. They admitted the customer service rep was in the wrong and still denied claim.

I have a Flores 247 FSA account through my employer. There are zero resources on their website to explain how to submit a claim and the forms are not straightforward. Of the claims I have submitted, all of them are stuck on "pending" since May and it's currently August 2025. On their "flowchart" it shows claims being processed in 48 hours. I've done the math and they're not worth the $90 I've saved in pre-tax dollars, as it's taken me more than 1 hour to navigate their processes and I'm still left wondering whether I've done it right. I have only paid for prescriptions and copays, so they'd have no legitimate reason to deny any of my claims. FSAs/HSAs used to be simple-- you document your purchases with receipts. If this is the new normal, I'm definitely not participating in another year.

If you are an employer, please do not use this company. I’ve been trying to transfer my HSA for the last 90 days and they can’t even liquidate my investments so I can transfer them. I’m starting to think the money isn’t even in the account. I’m reaching out to the BBB and staring a lawsuit.

Flores manages my FSA and my Life Balance Account. I submitted an LBA claim for yoga books, but they reimbursed it from my FSA instead. When I asked them to fix it by crediting my FSA and deducting the difference from my LBA, they basically accused me of submitting my claim to the wrong account. They said if I wanted it fixed, I would have to send them a check or money order for the the money they mistakenly took from my FSA. But legally, yoga books cannot be reimbursed through an FSA without a letter of medical necessity, so they are out of compliance. And I know they have the ability to fix it because they mistakenly deposited a duplicate reimbursement in my bank account several months ago. When they were alerted to their mistake, they promptly withdrew it from my account. When it's their own money at stake, they're suddenly pro-active.

Completely unresponsive therefore non compliant and I plan to report them. Four emails, one call and a fax and still no response!

I have had several HSA and FSA accounts over the years and Flores seems to be the worst. I went through cancer treatment with a different company - absolutely zero issue. Flores requests proof of about 1/4 of my bills, most of which are from the actual hospital so clearly are medical. It is difficult to submit the bills they want, they are difficult to reach and not responsive to issues. At this point, I am considering if the tax savings justify the stress of dealing with them and thinking likely it is not worth it.

Flores247 - Zero Response, Urgent Issues Unresolved I've sent three emails and spent countless hours on hold (1-3 hours per call!) trying to reach someone at Flores247. I need urgent help with my account (email change and over contribution removal), but have received absolutely no response. This is completely unacceptable. If anyone from Flores247 is reading this, please contact me immediately!

I have gotten two new cards and still neither work, every transaction I have to front the money and then reimburse myself. Absolutely terrible service, no value, and of the three HSA companies I've worked with it's not even close - Flores is terrible.

They suck, never respond to emails, endless "customer service" bs others have mentioned. Impossible to get hold of a human. They want your PID and the last four digits of your debit card (if you are on COBRA, you likely don't have one). Their two-factor authorization rarely works, so you can't log in (likely ON PURPOSE). What are they good at? Sending "past due" notices. If the bill isn't paid by the end of the month for the next (coverage) month's premium, out goes the letter DESPITE being told by them that the 2nd of the coverage month is just fine. What are they doing in the Charlotte offices? Seems to be nothing!

Worst experience ever. Waste of time. People have a 5th grade mentality and are the most inefficient organization. Don't know how to run a business, hence the poor reviews. GET A CLUE PEOPLE!

Absolutely awful! My employer has used Flores for several years. I was excited originally when I received a card to pay for medical services and products. Unfortunately, there is typically a problem when I use the card. Today, I went on to check my balance, and it showed that the card had several thousand dollars available. I entered my $20 copay for some bloodwork, and it was denied. So this card has become an extreme frustration. It simply creates an opportunity to waste my time while trying to access my flexible spending account (money that is taken out of my paycheck). I have scored this a 1-star because of all the times in the recent past that it has been a problem. Today's payment reply was - We did not receive approval to process your payment. Please use a different account, card, or payment method. This is not really a service, it is a time waster and a frustration generator. If you need work on your patience or controlling your anger, Flores \ will work well.

Complete SCAM. Lock you out of the website for over 5 days due to their own maintenance. What do you need for maintain for 5 days. And you website sucks badly.

Too bad no stars is not an option. TOTALLY HORRIBLE service. Multiple calls were not picked up for over 45 min. I have tried multiple times a day at different times. I have also emailed twice and not had any luck. The HSA card provided does not work since it is not properly tied to my account. I will send a certified letter today or tomorrow and then get Better Business Bureau and Legal involved. They are holding my money hostage!!!

Abolutely HORRIBLE customer service. i was on hold 3 times over the last 2 days for a total of 98 minutes and nobody ever picked up their phone. The video "chat" is even worse. Run from working with these fools

Completely unresponsiive to users as well as administrtors. Shame on my company for llowing these peolple to handle their employyees reimbursement distributions.

This company is horrible. They are continually withdrawing funds from my paycheck and then failing to credit my pre-tax transportation account. Contacting customer service does absolutely nothing.

Flores & Associates purchased Group Dynamics in Q4 2024 and promised to move funds from old HSA accounts/debit cards to the new Flores HSA accounts/debit cards. They missed the deadline, then told me funds would not be transferred, so I have two HSA accounts managed by two apps. My employer is changing to a new company because Flores is so terrible and I will be charged a fee to move each of the two accounts, instead of just one account. It's 12/5/24 and the Flores247 site has been down since at least 11/30/24. Flores cannot or will not say when the site will work again. I cannot use the site or app to see what my HSA balance is, I have money being taken out of my paycheck and not deposited, and Flores is not processing HRA payments. Stay away from this Flores & Associates. They are poorly run and horrible communicators. No state or federal agency has been able to help me. I hope I have not lost my HSA funds!

Do not select this as your provider! I completely agree with other people who left very low rating for this company. It has been many weeks that I try to receive an answer on my account transfer, and I have tried both emailing and calling. Emails never got answered and after a long hold on the phone each time a representative assures me that someone will look into my issue within the next 24-48 hours but weeks go by and no result. Do not select this as your provider!

Horrible customer service! Today I have been on hold a total of 1 hour 52 minutes and counting (two separate calls) and both times I just needed to ask a simple question. Now it's almost 5 ET, so I'll probably just have to try again Monday. Email is not an option either, I've sent two now that have gone unanswered. Incredibly frustrating. They at minimum should have a callback option so you don't have to be stuck on hold the entire time.

Can't even get anyone on the phone to answer your questions. Need people to just answer the phone. They get you to join and will answer your calls then after that you are place on hold for 45 minutes to an hour. if i could give a 0 rating that would be it

I am receiving insurance benefits through COBRA, and Flores is the COBRA administrator. Three separate times over the last eight months I've been receiving COBRA, the company has failed to report my automatic payments for the COBRA to my insurance companies, resulting in them canceling my insurance three separate times, causing all kinds of problems for me. As I said, these are automatic payments that come out of my checking account every single month and pay the cobra premiums on time. Each time there was absolutely no reason for cobra to be discontinued. And every time I called upon discovering that my insurance coverage was canceled I was given the runaround on the phone by various customer service representatives at Flores, who told me that the issue was being straightened out, but it would take weeks for them to resolve it almost to the time the next month insurance was supposed to begin. This company is a disaster.

Worse than one star. Unable to contact them for a week because of their computer problems during the last part of December about a claim. Spent hours on the phone and computer trying to see why they are challenging a claim sent by a hospital. The person I spoke with this morning was rude and unhelpful and told me I could pay back the costs of blood tests. This was an FSA account I had fully funded.

The worst FSA customer service I've ever dealt with. Multi-factor authorization keeps losing the ability to send to my phone number and I can't log in to fix that because I can't get the code! Multiple emails to get updates on rejected claims have been unanswered. Calling customer service--don't plan to do anything else for quite a while, because you'll be on hold forever. No option for a callback. The AI assistant can 1) change your password or 2) check your balance. That's it. And, yes, as another reviewer mentioned: Their site was down for days near the end of this year--exactly when it was most needed.

My company switched to them for 2024 and it was an awful first impression, serious lag in getting funds into my account. It evened out, but they are SO SLOW to reimburse FSA. And now, at the end of the year they performed some "routine maintenance" that has crashed their site for going on 5 days now with ZERO communication or updates. FSA is use or lose and the deadline is fast approaching! They only just updated the messaging on their site today and there is still no end in sight to being able to access my account.

If I could give no stars I would, and after reading other reviews, I believe they would as well. I've used Flores for many years but the past 4 years they've gone downhill SIGNIFICANTLY! I've recently had to use them for COBRA and unfortunately missed my December payment by a few days. I thought I had a 30 day grace period, which they tell you that you do, but that is in the month that it is due, so truly no grace period and they don't send a reminder either. Nothing like losing your job and then losing your insurance because you were just a few days past the date sending your payment at the holidays. And don't get me started on the inability to reach anyone and the lack of empathy and service. Thanks for nothing Flores!

This is my 3rd HSA provider in 13 years. This company is the worst. No support and I am having to jump through hoops for the most basic things. The website is way below average. The information provided on the account page is trash. They have you backed against a wall with YOUR Money! If possible get a personal HSA with a local bank and have your employer deduct the money and direct deposit.

Horrible company, customer service is nice but they have no access to real information only supervisors can. I have a FSA card and child care spending account. FSA card has been fine, but child spending reimbursement account is always out of date (in excess of two months). If you live paycheck to paycheck the hassle of this is not worth the value you save on taxes. Wish I could give them a zero.

Our Company has been with Group Dynamic for years. Flores bought the Company and it's been a nightmare ever since. They stopped the HSA cards on 9/20/24 that my employees had with Group Dynamic, and there is no way to fund the new accounts with Flores. My employees haven't even received their new HSA/FSA cards. No one will return my calls. Employees that have asked to set-up their new account online with them, have tried, but keep getting error messages. We may need to take legal action against them very soon if it doesn't get immediately corrected.

My employer uses this company for our dependent care in which I have participated for 10 years. I had never had any issues until recent. Prior I would submit a claim and about 2-3 days later I would receive the reimbursement direct deposit. Now the end of November their website and company systems were down so funds still came out of my check but could not access the website or over the phone they couldn't access my account for me to submit a claim. Once it finally was back up and I submitted a claim it took almost 2 weeks for the direct deposit to be issued on their end. That is about 3 weeks if not more that they had my money that I couldn't get. I just submitted another reimbursement on 12/31 (1/1 was a holiday so I understand that) but here we are going on a week later and my claim hasn't even been reviewed. I have canceled my 2025 enrollment with them because it is not worth the stress from such a terrible company. I hope my employer uses another company in the future. I hope others cancel as well and that this company can eventually close because they have caused me so much stress in the last 6 months that I cannot wait to wash my hands of them. I do not recommend them to anyone. Stay far away.

The FSA company that I had ever. They mess me up with $280.00 in my card. And I wasn't able to a claim because my work company switched to carrier and the time limit they gave me was not accurate. I call twice customer service and they didn't do nothing about it. Do NOT get a FSA account with this people.

Had them for HSA services at my last employment! Horrible service and slow as could be to reimburse you. Customer service is slow to respond and often need to be reached out to several times for just 1 claim.

Unbelievable incompetence. COBRA was to start September 2021. All my medical claims were denied as BC/BS stated they had NO information on my coverage ( despite me paying the premiums for Sept to Dec 2021 to Flores as COBRA administrator) Had to get VERY insistent with Flores in December to straighten it out. SAME bul$$hit in May 2022. BC/BS denied all claims after December 31, 2021 as they stated they had NOT received any premiums from Flores since December 2021. WASTED 2 hours of my time trying to get this resolved with BC/BS and Flores. Their ho-hum attitude is infuriating. The American health insurance system is a travesty. NO OTHER civilized country has to deal with this crap. Too many fingers in the pot and too many players that do not do their job. An incredible waste of time.

Extremely bad service. I was a Flores customer and deposited over $900 to my Flores Card for commuter benefits. The Flores Team showed little to no efforts to reimburse my money. I eventually lost all of it. I strongly discourage anyone to use there service.

Incompetent staff who cannot read information in the claim. Claim was denied multiple times although all the appropriate information was provided. I'm really confused how they stay in business.

Called to verify hearing aids would be covered. I was told yes.I wouldn't have spent thousands of dollars on them without getting approval. I didn't document the persons name. And naturally they don't have a record of me calling. Now I have 2500.00 I'm having to use before end of year. When I called to question denial, I was told I had limited plan ( I knew this, that's why I called to verify ). Bad freaking deal. Should have documented my call. Always document. Use it or lose it !!!! Shame on Flores & Associates !!!

I've had them for flex spending at my current firm for about 3 years and they are fabulous. I was concerned initially because I had never heard of the firm and thought good lord, now what? but they do a great job. I submit my information online once and it is turned around and processed immediately. I have never had a problem with them which is a 180 degree change from Payflex which was appallingly bad. If I have a question, go figure, they answer it.