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CB Cryptocurrency Review of American Fidelity
American Fidelity

American Fidelity review: flexible spending/health savings account 1

P
Author of the review
7:03 pm EDT

Late 2017 I visited my doctor and attempted to use my Flex Account card to pay my portion of the charges. It was declined. In a rush to get back to work I paid the balance out of pocket and forgot about it until early January 2018 when I again attempted to use my FSA card and it again was declined. It wasn't until October 4, 2018 at the policy renewal meeting with an American Fidelity rep that I was able learn what claims had frozen my account and that My out of pocket costs and balance were lost for 2017.

In the meantime, the same agent had renewed my account for 2018 - I have not been able to access funds still because of the July 2017 charges and now 100% of my 2018 contributions ($1200) are at risk of being lost as well. I've been referred to their web site and mobile app where I could "easily" upload documentation several times - and several times I have received a message stating that they could not find my account despite entering my social security number, full name, employer and birthdate. Ironically they have no trouble finding my account to withdraw funds. Customer service has been terrible - two days is one of the better response times- most have been from 5-7 days via email.

My complaints are many - my most significant being how in the earth can it be legal for a company to renew an account knowing that the funds have been frozen pending verification without any notification or explanation to them clients? Is there no obligation for the rep writing the renewal to inform the client?

1 comments
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AFAJulie
, US
Nov 02, 2018 2:55 pm EDT

Hi Peggy, I'm sorry to hear that you've been frustrated with your FSA experience. I'd like to have someone from our FSA team reach out to resolve any pending issues. Please email AFA-Julie@americanfidelity.com with your full name, employer name, state of residence, and your phone number and I can have someone reach out.