Inspira Financial Reviews 

I had a 401K rollover from a former employer. I did have a little trouble getting logged in at first, but I called customer service they helped me with creating an account. I was very nervous at first because of some of the negative reviews I had previously read but to my surprise the CSR was very helpful! I successfully created an account and requested to have the account closed after the transaction was complete. I received my funds five days after I created the account. I was surprised and very happy to have my funds so quickly. Everyone has a different experience so please do not judge from reviews so quickly.

I was going to write a lengthy post detailing exactly how many times I've tried and failed to get my money out of Inspira. Then I read a few reviews and realised "Oh, its deliberate - that's just how they do business". Suffice to say, when their email refers to you as a "valued client", I'd take that with an enormous boatload of salt.

I had a similar revelation years ago when I finally understood the purpose of an Indian finance department is NOT to pay their suppliers.

Once you accept that, Inspira "customer service " (sic) makes perfect sense.

After leaving my previous company, they rolled my 401K over into an Inspira Financial IRA. The entire process has been frustrating.

When I first attempted to claim my account, the login flow broke on the website. I then called customer service, who informed me that I needed to wait over a week for my information to be reflected in their database (since the transfer had just happened).

Fast forward 2 months, and I tried to claim the account again. And again, the website showed me error messages, so I called customer service. The rep helped me submit the right verification documents, but then informed me I had to wait another 10 days for Inspira to review them.

Their process is incredibly slow and frustrating (why does it take weeks to claim an account?) and the website experience is jank (I got errors both times I tried to claim my account).

EDIT: A member of their support team got in contact with me and helped expedite the process -- so I added an additional star. I appreciate their responsiveness to customers.

I do not recommend this card since I have had it under my Employer they keep locking my card for FSA approved services. When they requested receipts and a Doctors note I sent it in over 1 month ago, they continually say they didnt get it but when I called in they stated they received documentation and it took for me to demand they unlock it especially since money is coming out my check!!! It seems like the same person I keep talking to when I call in. Very Frustrating especially when money is coming out of my check and I have sent documentation in several times.

It has been a nightmare using their HSA account. They sent my card to the wrong address, sent a new letter without a card in it, then sent the card that was supposed to be in the letter which they had canceled. I've been paying out of pocket for two months now and have had to cancel appointments. I can't get the care I need because this company is incredibly incompetent.

I filled out the online forms and could not get the site to even load what I put in, so I used the online form which sat for days. Then I called them to verify my account and got a speech about how they see they have everything and it would be 10 days. Then a week passes and I get an email saying my ID was not clear and to re-submit. Now I resubmitted... They also asked what I planned to do with my money on the phone. Honestly.. I am pretty sure they are delaying my access to my funds as long as they can.

This company is awful. They seem to purposefully try and find reasons to withhold paying or reimbursing you for medical and dependent care bills.

This company is a nightmare to get your money out. Beware. They charge a $300 management fee, but a hickup caused them to freeze my funds, and they would not distribute it out because the custodian I was going with did not provide "proper"documentation according to Inspira. I wanted to transfer to Webull which is large well known trading brokerage. So after they failed the transfer request, they froze my money with AMP broker, and I wasn't able to access it without doing an IRA early distribution. During this time my money sat in Inspira Account earning interest and at the end they charged me $360 for management of it and $100 to close the account. Don't trust this company.

Inspira will talk over you and not listen. There is no consistecy and continunity. Every phone call lacks professionalism. Inspira call centers overseas waste so much of your time with nonsense. The Oak Brook HQ is not helpful. Arrogance and no empathy to listen to the problem at hand. No follow-up. Rashida in Texas was helpful but her follow-up is non-existent. Leaving major doubts and uneasiness.

Only because I can't go any lower than one star...

My employer 401K got rolled over into an IRA with these clowns a few months back. I followed the instructions given to acess my account to the letter, sending the requested documents to verify my identity, residence and citizenship. Waited the required eight business days for them to process everything (why they need that much time is a mystery to me) before attempting to access my account online. Got stuck in this endless two-factor authentication loop (it's a bit difficult when it takes 20 minutes to recevie a code that expires in 10 minutes) and spent almost 40 minutes on the phone to obtain a link that supposedly would by pass the wonky text notification. It sent me to a set of registration forms that I've already filled out AND a request to upload the same documents I sent via email two weeks ago. Still have no idea where my money is and how much of it they have already stolen in bogus "management fees".

customer service cant even speak or spell english. took me four times to spell jenny to them in my email address?? also theres an account closure fee if you have rollover and their online identity verification do not work at all. can't believe ohw ridiculous this is.

I have made 0 money in this account. This was a roll-over after leaving a job. The interest is laughable. The fees from the account are higher than what interest is made. The amount that was in the account when I left the job in 2019 has hardly changed. Then, they charge a $25 fee to get your money out.

If you roll over to this and are able to roll over to somewhere else, do it. If you are over 59 1/2, take it out. A regular savings account will make more money for you.

Terrible customer service. I’ve tried to leave a review for Inspira 2 other times through Trustpilot and when I went to send it would not so this will not have the detail the first 2 reviews had but I will tell you. Terrible website, horrible customer service and we still were unable to get our money out.

Dealing with Inspira was very challenging at first. Kept asking me for employer name and couldn’t tell me which employer the IRA was from. I had to wait several days to gain access to my account online. My initial reaction was to figure out how to get my money out of their possession asap! I thought I’d move it to an account I have with Acorns. That’s how I learned Inspira wasn’t as bad as I thought. Acorns is considerably harder to deal with, so I’m now hoping to leave my IRA with Inspira. Vibha with Inspira has been providing phenomenal customer service, helping md every step of the way. I truly appreciate the assistance, and am now very happy with Inspira!

My FSA card did not arrive till Feb 6. it should have been with me beginning of the year. I had to pay all my bills out of pocket.
When the card came I had a hard time activating it. Had to call the customer service. The person I was talking to had no clue what was going on. He said that I card was activated already - a day before - because the guy I was talking to was in India, which is almost 12 hours ahead of US.
This is my first time using Inspira and not happy with what I may have to deal with. Unfortunately this is the company my work place is using and I have no choice but to deal with it :(

Felt as if I had to jump through hoops before I finally got the help I needed . Could have been worse I suppose .

Customer service agents are polite, but unhelpful. Every time I’ve called I’ve received 4 different response , none of which were acceptable explanations behind the delay of releasing my funds. Never had a problem with out previous FSA administrators but riddled with problems with Inspira. Zero follow and no accountability which is infuriating when childcare is due but access to your funds aren’t

I am writing to express concern that my employer transferred my 401 funds to this company without my knowledge or consent. Unfortunately, I did not receive any notification, such as a statement, from Inspira regarding the transfer of my funds. Although the account has been active, the company's actions have resulted in excessive fees being applied to my account. I am displeased with the level of service I received, particularly the difficulty I experienced when attempting to claim my funds. Furthermore, the lack of provided statements hindered my ability to accurately file my taxes. I strongly believe that regulatory measures should be in place to prevent such incidents. Upon securing my funds, I intend to file a formal complaint.

Professional handling of claims

RUN. My account was acquired through a sale. Now I can't get access to it (for 72 hours), AND they want to charge me to roll my money out to another IRA. All the support is overseas too, so it's hard to communicate with anyone. Their login system doesn't work, the "claim my account" system doesn't work, and the system won't give you access to anything. RUN!!!