ADP
reviews and complaints

Ex employee calls to report his SS# on W2 is wrong. These were done by ADP. I check a copy of his/her pay stub processed by ADP. Same thing. So I check my records of information submitted to ADP on start up and mine is correct. I call and after being on hold for 35 minutes (my phone has timer) they answer. The guy I explain my issue to puts me on hold and comes back and says they will straighten it out. And then he proceeds to tell me I will have to pay for that, normally it is $100 but he will give me break! What! Whoa! It is YOUR mistake I say. He says, yah, but you need to accept some responsibility for it. Really? So despite your advertising about how I can leave my payroll worries up to them and they will handle everything I have to pay? I proceed to read the part in my contract to him that says they will accept responsibility for ANY and ALL errors made by them. Period. Nope, he says, I should have checked everything. So let me get this straight I say...I need to double check YOUR work? Yes, he says. Ridiculous! I also tell him he is adding words to my contract that are not there. I give him this scenario...we perform service work for a customer and don't fix it right. The customer comes back and says hey this still doesn't work or is broken whatever the case may be. If I do business ADP's way I can just tell him too bad, you should have checked our work before you paid for it or took the vehicle. Does this not sound utterly stupid? I can't believe he could even speak those words without laughing at how crazy that sounds. That is not the only issue I have had with them but that is probably the dumbest thing yet they have done to my company. We are a small business so I guess they can just railroad us with their big corporate attitudes. NOT! My advice to you is find another company that will actually honor their guarantee and contract. If I was at the office still I would scan the paragraph and add it to this complaint. I am home now so you will just have to trust me on this. Read the contract they will ask you to sign and you will see it for yourself. Needless to say I have switched payroll companies and so glad I did now after today's call to them. Goodbye ADP!

Your security guards have no common sense. I have a UHaul trailer parked in front of my house for ONE night because I'm moving and my truck is on the grass which by the way belongs to me. There are no signs posted as there supposed to be by FLOrida state statue and he wants to sticker my truck. I have pictures of the owner of this company parked on the grass. But they want to selectively enforce the rules. Ridiculous!

I AM THE OWNER OF ADP IN WHAT ACCOUNT OR POST LIKE YOU MENTION YOU WORK FOR 3 MONTHS SO I CAN PROVIDE ACCOUNT MANGER INFORMATIO, SO THAT ANUBODY CAN CALL AND VERIFIED THAT A PERSON BY NAME MICHAEL DELGADO NEVER HAS WORK THERE ANYBODY CAN CALL ME AT [protected] AND I WILL PROVIDE WITH MY 16 ACCOUNT MANGEMENT NUMBERS AND YOU CAN VERIFIED THAT NOBODY WHITH THAT N AME WORK FOR ME EVER THANK YOU.

We are going through the same thing. We had to keep calling for the invoice. The calls were sent overseas. We could not even understand the reps. Then my husband had one month left so he went for a procedure. Next thing you know, they mailed back his payment then told us we didn't make the payment so they just canceled his insurance and now won't pay his claim. We have even sent the canceled checks as proof. Currently waiting for the next reply. Terrible service on this appeal process because it's all done through fax, no communication with a person. Ugh

ADP is handling our COBRA. They sent us two notices of payment due, then stopped sending them. Their initial info package directed us to contact our previous employer for any questions and we were told (several times) to wait for the invoice which never came. So we were dropped from COBRA, losing our insurance coverage. We went through the appeals process, which included supplying them with copies of all email correspondence with the employer telling us not to pay until we got billed. They turned down our appeal! It took threatening our old employer with legal action to get them to get us reinstated.

ADP is still not sending us invoices and I am going to switch to paying over the internet to insure the payment is received and properly credited since we have been told that there will be no further opportunities to appeal. They seem to enjoy taking advantage of any opportunity to cancel you. Probably because they work for the employer, not the insured.

Dear Complainers-
Im not saying everything is always perfect, but I work at ADP and there have been a lot of strides taken. Just IN MY CASE ALONE ..i recieve faxes that you have to make out then you go to call the client leave messages they dont call back ...ect...some of the blame is on you ...THE CONSUMER...Im not saying all instances someone here has dealt terrible customer service BUT we are also governed by laws, policies, and procedures...ADP is a filing cabinit...we take YOUR info...process THE INFO YOU GIVE ...file it and store it...we do not set taxes...you tell us how everything is to be taxed ect...if you dont know then you need to hire a CPA! so lets know the whole story before you start throwing daggers

This company needs to be investigated. My son is having a hard time collecting his wage garnishment overpayment from ADP. They have given him so many answers which are lies, that they are not sure what to tell him any longer. Now they claim that they sent the money to his employer and are no longer responsible for the money. WHAT? I think they are wrong. Because until my son receives his money, they still owe him the money. I'm pretty sure an attorney would agree.

Back in 2010, my wages were illegal garnish. This was a divorce matter. My ex attorney took it upon herself to have my wages garnish. She claimed I owned him temporary spouse support during the time of the divorce. I never had to give him any temporary spouse support. She went to the Central intake and put in an Income of Execution, without a court order. I have no legal documentation from the court telling me I had to give him any temporary support. I even took the time from my job to check to see if there were any supporting documentation telling me I have to give any support during the divorce. I have called ADP and told them they are illegal garnishing my wages without a court order. It make me sick, what people get away with. And it gets better, I received a letter from ADP that they were going to be garnishing my wages. Meanwhile they were taking the money out before I received their letter. I know in the State of New York you have to be served. I was not served by the courts. I beg my second attorney to stop this, but said I had a court order for her to do that. I look him square in the face and told him I do not have any court order. My third lawyer was no better. I told him I want that court order and he look at me and told me my ex attorney lost it. So we are now in 2014 and ADP are stilling garnishing my wages. I am now seeking some legal advice and nothing would give me such great pleasure as to sue ADP for the pain and suffering they have caused.

Put your money into a Credit Union instead of a card, you don't have all those charges. My checking and savings are free, no monthly fees.

This ADP card is the most fraudulant card in this country. I was charged $3.00 @ customer service call to get a DDA and ABA number because the number posted sent to a voice mail system! A voice mail sytem that apparently is a diversion Customer service reps are so poorly trained, they read a script.I think I heard "I'm sorry" 6 times in one call. No intelligent life what so ever. So in one month I have racked up $20. 00 worth of charges just to get MY money.THE CARD LIST WHERE YOU CAN USE ATM WITHOUT BEING CHARGED BUT I AM CHARGED $3.00 BY "PNC" AND $3.00 BY ADP. WITHDREW MONEY FROM A "PLUS" WHICH CHARGED ME $3.00 AND $3.00 CHARGE BY ADP. PEDRO IS THE REAL "PEGGY" AND HE IS ANSWERING THE PHONE AT ADP...PLEASE DO NOT GET THIS CARD. IT IS THE WORST MISTAKE. I AM CONTACTING MY STATES ATTORNEY GENERALS OFFICE TO FILE A PUBLIC COMPLAINT AS WELL AS THE BETTER BUSINESS BUREAU

Most MOTHER###ING company on earth, where we have to pay 3$ to speak with their mother###er customer service...I haven't seen such a hopeless policy in my life...STAY AWAY...They must have ripped me off for 10-20$...but I will be glad if hundreds of their potential customer stay away after reading my comments and company goes bankrupt one day.

I totally agree with this. I was just at a store yesterday and tried to use the card to pay for a $15 clothing item. I have at least $200, perhaps more in my account. My card was denied and when I called in, the lady told me my card was on hold and she was not 'authorized' to tell me why it was on hold. Strange, much? She also told me the only way to get it off hold was to fax in a copied picture of my social security, a photo id, and a bill as 'proof'. Who knows how long that will take ! Such a crappy company, and now I can't touch ANY of my money on this card when I really need it right now, I hope this company burns to the ground.

I was married and changed my lasy name. After 5 attempts of sending them my SS card, ID, marriage certificate etc. EVERY time they told me the fax was too dark. But they do not call to tell you this, they leave you guessing untill you call to see the status of your fax, WHAT A JOKE. After changing my name with them they said sorry to inform you ma'am but if I send you a new card will will have to shut off your current card and you will recieve a new card in 7-10 business days for a 9 dollar charge. So i asked them can you go 7-10 business days withoug money? The lady said yes! haha them she tells me to withdraw all my money, I told her yeah that would be great except they only allow 400 dollars to come out per day! This place is a joke, not one employee speaks english and they charge for EVERYTHING! Why did I even bother changing my name with them if they won't send me a new card. Needless to say I closed my account today! BYE BYE PAY CARD YOU SUCK!

i wrote a check on the money network from adp on the 6th.
aftern having to void the check, i was told by customer service
to write void on the check and fax it to them, which i did on friday also.
they said it would take 48 hrs to credit back my acct.
it's now wednesday afternoon and i still don't have the funds
available. this company sucks!

This company is the biggest fraud. They charge you for everything. I have ADP through my employer and have had the card for 2 years. My card expires this month. They sent me a new card with the same number but when I called to check my balance it MADE me reset my pin to the new card. So now I am waiting for my new card which was sent out on the 3rd and was supposed to be here on the 9th... it's still not here! I can't use my old card and there is an ACTIVATED new card floating around in the mail system somewhere! to make matters worse the idiots that are working for the company are in another company. They are real life "Peggy"s! They are obviously reading from a script and can not help you with ANYTHING you call about! Tell your employers to read the reviews and DO NOT let you employer load your money onto this card. They charge .25 cent PER transaction and $1.50 to take cash out of the ATM. So you are paying to use your own money so that they can pay Peggy 2.00 an hour in Bum F*** somewhere! This company is SO un-American I hope this company fails and quickly!

Yes, I totally agree with the fact this card or any ofthese pay cards do not tell you.
I too went to a gas station to 5, 00 worth of gas, my card was declined and then money help up my card.

What found out is these cards are not as secure to gas stations...so they all will hold funds on the card unless you are using it as a debit transaction..And you must go into the cashier to do that, do not attempt at the pump.
So now I just do not use the card at a gas station at all.
only for straight purchases.
But I have check against my card..when my money is deposited on my card, I write a money network check and get all my money of. except for their monthly transaction fee.
Which you have to remember to have on the account as well.

This place is a total joke. When I press '1' for English, I expect it to be fluent and understood. WRONG! If you ask them something off of their paper that they are reading, they pause, say, "I understand your frustration." Yeah, sure you do! Somebody needs to investigate this place and see what a scam it is to the people who work their [censor] off for their money and then don't get it all or don't get it AT all.

What you experienced was an "authorization hold." Gas stations do this when you pay at the pump to ensure they get paid for the full amount of gas you pump. Since you swipe your card before you know how much you owe, they automatically hold say, $100. You may only pump $20 worth, but they've held $100 just in case, and you get the $80 back after several business days of processing time. This isn't a big issue if you have lots of spare money in your account, but unfortunately most people can't afford to have their own money kept from them.

To avoid authorization holds in the future, always pay INSIDE the gas station rather than at the pump.

Check out this helpful article explaining authorization holds: http://www.getdebit.com/glossary/authorization-holds/

ADP as of today is NOW 34 DAYS LATE mailing my child support payments to me. Bob from Bombay gives me a tix number and tells me the "internal fks" don not have a telephone!

ADP COMMITS FRAUD OFF OF ME ALSO ...THEY HOLD MY WKLY CHECKS HOSTAGE, SOMETIMES A WK, SOMETIMES A FEW WKS WORTH... THE LONGEST HAS BEEN 6 WKS BEHIND... MEANWHILE... MY UTILITES ARE TURNED OFF, MY TRUCK HAS BEEN REPOSSED, MY HOUSE PAYMENTS ARE BEHIND WITH THREATS OF FORECLOSURE FROM TIME TO TIME. NOT TO MENTION MY TOTALLY RUINED CREDIT DUE TO THEM. I LIVE WK TO WK... SO NO GAS FOR MY TRUCK, SOMETIMES NO GROCERY.. ITS BAD ENOUGH I HAD TO GO THRU A DIVORCE AFTER 23 YR MARRIAGE TO END UP WITH A TINY CHK WHILE MY XHUSBAND STILL OWNS THE MULTI MILL. BUSINESS WE ONCE OWED TOGTHER, I ALSO HAVE A COURT ORDER TO RECIEVE THIS WKLY CHECK...I KNOW ITS ADP FAULT...MY X WILL NOT LISTEN ABOUT THE FRAUD THE COMPANY HE HAS HIRED TO SEND MY CHECK THIS IS F---'N ###... ITS FEDERAL FRAUD, THIS COMPANY MAKES MILLIONS, OFF OF ME AND YOU AND OTHERS, BY HOLDING THE CHECKS, BUILDING MILLIONS IN INTEREST, AND MAKING INVESTMENTS OFF OUR MONEY. YES I HAVE ALSO SPOKE WITH CON ARTIST MIDDLE EASTERN MIKE ...FROM INDIA. CONTACT ME AT LDFORD@YMAIL.COM WE NEED A ATTORNEY... IF A WOMEN CAN WIN IN COURT OVER SPILLED COFFEE ...BUT THESE OTHER COUNTRIES CAN BOMB US, AND HOLD OUR CHECKS HOSTAGE, USE IT TO BUILD INTEREST IN THERE ACCOUNTS AND PROBABLY SHORT TERM STOCKS... TRIPLE DAMAGES HERE WE NEED A ATTORNEY

I'M ANOTHER VICTIM OF ADP'S FRAUD, MONEY SCAMS. I OWNED FOR 23 YRS WITH X-HUSBAND SELF EMPLOYED, BUSINESS, THRU DIVORCE COURT ORDER I AM TO GET WKLY CHECK, TO LIVE WK TO WK. WELL MY XHUSBAND HIRED ADP ELPASO TX (Really a business run in India, Middle East with a USA PO BOX in Tx) TO SEND MY COURT ORDER CHECKS EVERY WK, INSTEAD THIS ADP CO. HAS DECIDED TO HOLD MY CHECKS HOSTAGE, WHILE THEY SIT IN THERE ACCOUNT AND THEY INVEST IN SHORT TERM STOCKS AND BUILD INTREST WITH MY MONEY TILL THEY ARE GOOD AND READY TO SEND IT WHEN EVER TO ME? MEANTIME MY HOUSE PAYMENT LATE, MY TRUCK HAS BEEN REPOSSED, I CANT GET WKLY GAS, GROCERY, AND FROM TIME TO TIME, THE UTLITIES ARE TURNED OFF WHILE I SIT AND WAIT FOR THE WKLY "WHENEVER" CHECK I AM ENTITLED TO ARRIVES? I WISH MY XHUSBAND KNEW ITS NOT ONLY THE RECEIVER OF CHECKS GETTING TAKEN... BUT ALSO THE COMPANIES LIKE YOURSELF AND LIKE HIS THAT HIRE THIS SO CALLED PAYROLL GARNISHMENT CO. THAT ALSO FALL VICTIM, MY xHUBBY HAS ALMOST 100 EMPLOYESS... WAIT TILL ADP DOES WHAT HAPPENED TO YOU... LIKE YOU SAID DO YA CHECKS YASELF. BECAUSE OF ASSUMED LIABILITY. MAYBE THATS THE ROUTE I SHOULD TAKE, ITS MY XHUBBY THAT IS ASSUMING THE LIABILTY HERE THAT HE HAS PUT CUTTING THE CHECK IN ADP'S HANDS. I SHOULD GO AFTER MY XHUBBY BASED ON THAT IF HE WILL NOT LISTEN. ANY INFO THAT WOULD HELP ME OR OTHERS LDFORD@YMAIL.COM I NEED A SHARK ATTORNEY.

Agreed. ADP has started charging me for a new benefit that I did not elect. I contacted them immediately when it started and they took over a month to have some poor #### call me on the phone and tell me there was nothing they could do and that I had this benefit all along. The person who they had call has no access to the system, but I do and can clearly see that I have never had this benefit charged to me in 15 years at the company. I am going back to the company payroll now and am going to start complaining loudly...

I made a purchase for gas at a wilco Hess for just 10.00 fuel and then suddenly after making a desperate withdrawal from an atm that alway charges 6.00 for out of network i discovered that my card was billed 75.00 on top of the 10 fuel i purchased to see if they were sufficient funds into the account. I called to check the balance and discovered what it was for on the option to check last 10 transactions. I then called customer support 3 times trying to resolve the issue to only find out that i have to wait for 3 business days to pass before it would return. I then was told that i was being charged 3.00 a pop to talk to them which after that and account access of 50 cents add to almost 20.oo they ripped off of me theirself. My company i work for enrolled me with this as was my only choice at the time but now i am planning to make a move to a regular checking account. This company is scandalous and i would never recommend them at all as they rip off peoples hard earned paycheck from which they sit and gain interest off your money. I think a class action may be in store for them.

I absolutely agree with you regarding ADP. These people are idiots. If you are an employer, please stay away from them. I work for a small company here in Southern California, and unfortunately, ADP is the payroll company that they have been using for the last two years.

ADP makes more errors than they do anything right. For example, ADP not only has shorted me hours, but they have also shorted my co-workers. It's almost as if they do not look at or read the paperwork that is submitted. I have received paychecks short from 1 hour to one day's worth of work. I usually work a set amount of hours per week, but sometimes I will fill in for other employees who are out sick or on vacation. These additional hours are rarely counted by ADP, and sometimes it can take weeks for them to make the correction to your hours. Does ADP even bother reading the payroll paperwork submitted for that week or do they just push a button or go by how many hours you worked the last time? God forbid, I take a vacation because vacation hours really seem to gum up the works over there at ADP!

Now, I am dealing with a tax situation caused entirely by ADP. I received my W-2s and these nitwits over at ADP NEVER took out my federal withholding! ADP is trying to claim that I listed myself with 20 dependents... what the hell? I have NEVER submitted that type of paperwork. My dependent listing of Zero has never changed in the 10 years that I have worked for this company. ADP got it right last year. So if these idiots got it right the previous year and my paperwork has never changed, then why did ADP screw up this year or even think that I changed my dependent status from zero to 20? btw - who the hell has 20 dependents? I'm a single guy with no kids... [censored]es!

ADP also has an incorrect mailing address listed on my w-2s. I have also submitted my corrected address numerous times, but they have failed to correct it. Why should I not be surprised? These people at ADP must hire high-school dropouts, the mentally impaired and the stupid to figure out other people's payroll.

Well, I have had enough of ADP and after their latest f**k up, I am going to lodge a formal complaint against them with the state of California and possibly the Federal government. I will keep complaining until I get some action against ADP, which must stand for All Dumb People.

ADP owes me money from a previous employer since Feb 2022. They are so slow and disorganized. Do Not Use them for your business.

I switched from Intuit (Quickbook) payroll to ADP. BIG MISTAKE. I was with Intuit for well over 10 years and had 0 problem. I started ADP, nothing but problems. Their rep LIE, although they do not admit. Their managers/supervisors are always "at a meeting." It is kind of "dog ate my homework" excuse all the time. Please be aware when you try to sign up with ADP

Apparently y'all decide to close my account. Without my knowledge, when I checked the ADP app it says it was closed for fraud. But when I called that said it was closed because I didn't send my social or ID which y'all should have since my company sent a whole 3 months ago when I started working.

These thieves know damn well how to hide out. Difficult to speak to anyone nor any email responses. They had been cancelled from my company a month ago yet they continue to charge. To this point have stolen over 3k and have made sure the [censored] cannot access my business accounts. They are a criminal organization and double charge wherever they can get away with it.
B & B Supply

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ADP handles payroll for my company of 50K employees. They do not provide timely and accurate information to the IRS
The IVR is impossible to navigate. I did however get a ticket opened to correct my W-2. So far it has taken 21 days to get the corrected
file and it is still not headed to the SSA. Two "For profit" corporations are playing keystone cops with Tax information that was supposed
to be in the SSA hands by Jan 31. Today is May 31.

They are such a horrible company to deal with, when we stopped doing payroll with them i advised the rep, that this is our last payroll and there wll be nothing done after due to no employees at this tme also advised her that make sure monies are deposited with the approaite agencies taxes state and federal and workers comp, she said ok now this was in dec of 2014, then down the road a letter was sent out by the company who handled our workers comp, that you owe several hundred dollars, for a policy from dec 2014 to oct of 2015 i advised them that there was no payroll done anywhere and we are not liable for the amount they will not talk to me they said talk to adp which i have done so many times but no one seem to care i do not understand how hard it is to back date to dec of 2014 since payroll was not done after tthat, i will also be filing a complain with the govt agencies if this is not resolved in a timely manner, STAY AWAY FROM ADP

My employer uses ADP as payroll company and my experience with them was terrible. Dec. 2015 my employer gave me debit card as of Mar. 2016 the card no longer swipes. I called ADP with this issue and was hung up on by the same representative twice. I asked for a supervisor and was given the automatic system instead of a supervisor. I still was not pleased that I have no access to my funds. I decided after a week to have another card mailed although I needed quicker access to my funds. I even paid for express services $15. When I spoke to rep I forgot to give apt. # when ordering card. I called back 6minutes later make correction and ADP was unable to accomdate me. They wanted to charge me another $15 totaling $30 and the whole time I have been inconvienced...are you serious! I hate my employer banks with ADP because customer service and support they do not have. CUSTOMER SERVICE SHOULD ALWAYS BE A MUST!

Here in Canada a good friend of mine who's company uses ADP Payroll services is experiencing quite a few problems and some serious ones. She gets the run around all the time. We do our own payroll in house still and I really don't mind. The Canadian banking systems offer payroll services so you can do direct deposit. We do have quite a few options. In the long run it depends on cost. Cost wise I think in house is always better!

i have tried for days to get into my checkstubs, and i have had no luch what so ever, this is the dumbest thing, how do i know if i am getting paid all my money? and my wife needs them once a month, this site is worthless and dont even need to be in business, fix your problem so we can get what we need!

I would like to CLOSE or DELETE an old payroll account that my employer used for our payroll, since we changed payroll companies, I need to either delete my email address from ADP so I can utilize my email address currently with NeW employment.

Has anyone had luck with filing a claim with the BBB? I may look into it. My issues are the same as I am reading and Always they say some one will call me back . once that the check was going to be cut in a week. I called a week later to check and got a different story.

Same issues here. File a claim, and part or all of it is denied. I have even filed a claim where I go back a week later and the claim is completely missing on their site. I never receive a confirmation email from them when I submit a claim either. It is as if they want to produce or leave as little evidence as possible that a claim was filed. Now I have to take screenshots of my confirmed claim submissions in order to provide a claim ID (which I am sure they will say is invalid or not found WHEN I have to contact them.) My only saving grace is that I terminated employment with my company and no longer contribute to this account. I still have about $700 worth of claims I am trying to get back from them (of MY MONEY)! From what I hear, companies make arrangements with these 3rd party vendors like ADP where the 3PV will not charge for the administration of the plan, but will instead keep a percentage of funds that are 'not claimed' in the calendar year, so the 3PV companies are ENCOURAGED to deny claims and drag their feet and force you through a three ring circus to fulfill your claim. It is in THEIR INTEREST to NOT do the job they were supposedly paid to do as a service to the employees of the company. The whole industry is pretty un-regulated from what I can tell, so it's the wild west. And I thought basic health insurance was bad! Do yourself a favor, the $150-$200 tax savings you might get at the end of the year for opening one of these is not worth the headache, so just open up your own savings account or money market account (after tax) and park your money there. Yes, you don't get the pre-tax benefit, but is 150-200 dollars a year worth your sanity and time spent trying to recover your expenses? The money is yours, it will earn very little interest mind you, but you don't lose it at the end of the year either, and it's not pulling teeth trying to get reimbursed. You just have to have the self-discipline to leave the money there (try a direct deposit to an account or bank you don't normally use...out of sight...out of mind.)

11/22/2016
I am having the same problems
They are putting up every type of road block in order not to release my card.
If we could see if the same company is doing this to ever one then we my have a class action law suite
the company giving me problems is Aon Hewitt
Is any one else having problems with them?
Lawndale, California

I am going to use this company. If anyone has a legitimate claim from 2016 that is being denied, please email me. I would like to make this a class action. Nziramac@yahoo.com

What State or Federal departments oversees ADP's Flex Spend program? I live in New York state and wish to file a formal complaint.

Is anyone aware of a class action lawsuit against ADP? They denied both my claims, one of which they said I din't have the doctors note for, which I did, but then claimed it was from last year and not valid. I asked for them to send me the bylaws that explicitly state this 1 year SOL and they said they could not, but I could contact the IRS. The IRS? Are you kidding me? The other was a receipt from Quest Diagnostics which is well known, but they said there was not enough info provided on the receipt. How ridiculous? I got it from Quest Diagnostics. They are scamming consumers. I know, because most people would just give up. They know that and are playing to that and it's how they make a profit. There needs to be a class action lawsuit brought against them.

The ADP FSA is a pestering scam. The chard card is just one example of this. You use the card for doctor visits and several months later, ADP will ask you to send them additional supporting documentation. If you are a busy professional, you may put this compliance initiative off, but ADP will have a cut off date for your additional support submittal and you do not get back any of your contributions if you are late on your submittals. This is known as a "pestering scam"

The way it becomes a scam is to make the process more complex, cumbersome, more involved, so busy participates lose focus, and end up losing their contributions to FSA. Since this process is subject to corruption "pestering" methodology tactics, it can be replaced by tax credits on the individuals tax returns much like the dependent care credits. Thus the individual tax liability is lowered receiving tax credits for the same expenditures. Thus, the FSA programs can be abolished along with all its problems and nobody will miss them or loose the so call intended financial benefits.