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. read more

If I could give a zero rating, I would. Flores is supposed to be administering the Cobra benefits for my former employer. I have been using benefits since December 2025. Then out of no where, coverage terminates in April 2026. I have been paying for benefits timely with no missed payments and four months since the erroneous policy termination they still have not reactivated my insurance with the carrier. Terrible customer service. Continually passing the buck with no resolution in sight. I called the insurance provider myself and provided them with the direct phone number and details for how to proceed with an urgent update request and still no progress. I will definitely be filing a formal complaint for the mismanagement of my Cobra benefits. read more

The claims processing department is abysmally incompetent, and the customer service is awful too.

Flores administers cobra for my employer. i paid premiums and thet did not activate my health coverage for more than a month. leaving me unable to pick see my providers and fill my prescription. i had no luck in resolving the matter with their customer service representatives. I received the same response "it's being processed". according to EBSA regulations coverage should actine within 5-10 days. After several attempts to resolve the issue directly with flores, i Was finally told by an account manager who stated that he failed to process the request to my insurance and pharmacy carrier. It was still not resolved until the insurance carrier representative directly contacted them to resolve the issue read more

They make unauthorized withdrawals from my checking account and their accounting department can "not find" the duplicate withdrawal. After my bank rectifies their issue, Flores states my invoice was not paid and imposes a fee for returned check. Our company account manager Alex and customer service is non responsive and will not get me in contact with a supervisor after being asked multiple times. Unfortunately, my company chose this poor excuse as a company to process our benefit payments so I am forced to deal with them. I would imagine they are also making unauthorized withdrawals from other people who don't notice and somehow "lose" that money as well. read more

i have worked as a COBRA consultant at a small, family owned business since 2014. We grew our client list over the years and have a very good reputation. Last fall, Flores moved in and took our largest, oldest agency away. Without this agency our company is unable to continue. The owner of the company contacted Flores, in good faith, to see if they were interested in buying the rest of our book, and she would then close the company. A Mr C.T. at Flores asked for information, which he was given, then we never heard back. Until the day after Christmas. He said he wasn't interested, as they're had to "tighten our requirements" and "this opportunity doesn't meet our current thresholds to move forward.". After 3 months, you'd think he may have gotten back sooner, so she could move on and find another buyer. From what I can see with all of these horrible reviews, I can't imagine how this company stays in business, unless they make it their business to screw over the little guy. Lotsa luck to anyone who puts their company's COBRA and other insurance compliance in the hands of these characters. You've been warned. read more

Absolutely terrible customer service. These reps provide bare minimum help and will freely hang up on you, so you become someone else's problem when you call back. They don't realize that by doing this, they're costing Flores money. LOL. read more

The worst service experience in the market. Nothing they do is good at all. Not good at customer service not good at administrating the account and advocating for the account participant. Worst decision I made was get an FSA card that was administered by Flores read more

Very disappointing experience. A straightforward ER copay reimbursement turned into a weeks-long process filled with inconsistent instructions, repeated requests for documents that had already been submitted, and responses that made it seem like prior emails hadn't even been read. Resolving what should have been a simple claim required far more time and persistence than it should have. read more

I question whether there is fraud taking place at this company. They cannot tell me why my claims are rejected and I cannot check the statuses of these claims. When I call, I can't get answers and then am hung up on. One rep I even spoke with thought they were on mute and started using a bunch of profanity. DO NOT USE THIS COMPANY!! read more

Flores used to be a company where you could reach the same claims administrator each time you called. They were associated with your employer's account. Now you call a "customer service line" that is anything but. Different person after each at least 15 min hd time. Im on hold right now and have been for 40 min. I have to explain to yet another person my situation. It has taken me over a month to receive payout on my APPROVED claim. They cant tell me why and I cant speak to anyone else. I think they want to wait me put and hope I forget about 408$. Do not use this company if you have any choice. And "Anna" in customer service should be fired. I want to give zero stars read more

Update: Rollover is finally complete, only took 8 months. My company originally sent request and nothing happened. Then I mailed it to the address Flores gave to me, they never received it. Then they asked me to send it to another address. Then they asked me to fax it. Then after 8 months, I called and they said "just email it to this address". Why we didn't they just ask me to do that in October when I called for the first time? Run away from this company. read more

DO NOT USE THIS COMPANY 5 weeks and they are still withholding my weekly hsa contributions for no clear reason. Reach out to their customer service and gotten hung up on multiple times, with no call back or resolutions. This place is a scam, not worth the value at all. Service is terrible and rude. Wish I could rate them lower. read more

This company is a nightmare. They set up my FSA incorrectly so I couldn't file claims. They finally fixed it on April 2, 2026 which is two days after the deadline to file claims. They said I forfeited my money for not filing a claim by the deadline. The correct account didn't exist until after the deadline. So, due to their mistake, I am out $500. read more

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. read more

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! read more

Flores & Associates - Business Consulting Near Me - Charlotte, North Carolina

Absolutely horrible company. Makes it nearly impossible to get the HSA money reimbursed. Website and app are useless. Border on crooked.

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

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! read more

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. read more

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. read more

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 read more

Requested funds out of HSA back in Nov. which I never received. They researched and canceled check I was told. They would reissue payment. Funds never received. Called several times and once told me they sent check again and the next said, no never did. So which is it? I never get anywhere and they don't have anyone else to talk with. No managers there? So this company is where I put funds in a FSA and HSA monthly, won't return my calls, have no documentation of the HSA reimbursement etc. BBB and Yelp indicate there is a clear problem with this company. If your company offers Flores & Associates for FSA and HSA, I suggest looking for other places to place your funds. No one seems to know anything. I have been ghosted and this is not acceptable. Poor customer service and business practices just has to stop. This is unacceptable. Better Business Bureau and reaching out to legal counsel is next stop. read more

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. read more

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!!! read more

This company's customer service is sorely lacking. It is next to impossible to get a response from them, and their responses are vague and unhelpful. Most recently, they rolled out a new website and it has been a DISASTER. It is not user-friendly and the information you get is inconsistent -- depending on which link you use to access your transaction history, you see different transactions (for the same account). I was shorted almost $700 in my account balance (2025 rollover not credited to 2026, and a refund processed to my FSA card that was also not credited to my account). I've sent multiple emails and cannot get a response. I also tried calling, but after 25+ minutes waiting to speak to someone, I gave up. I DO NOT recommend this company. They clearly do not have enough service representatives to handle the volume of calls/emails received, and those they do have are poorly trained and unable to adequately assist anyway. I'm really disheartened that our company chose them as our FSA administrator. It has been a horrible experience. read more

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. read more

Flores & Associates - Complete SCAM - Business Consulting Near Me - Charlotte, North Carolina

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. read more

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! read more

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! read more

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. read more

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 read more

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. read more

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. read more

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. read more

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. read more

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! read more

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. read more

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. read more

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. read more