Back in 2009, i signed up for ADP's FlexDirect spending account at my employer. Everything seem to go well then I received my first demand for a receipt for the co-pay from my primary care physician's office! How much effort would it take for these people to actually call themto get the receipt themselves? Hardly any - but that is part of their game. You see, they continue to ask for receipts from well known sources and make NO EFFORT to validate the charge themselves. This is how they make their money. They will do nothing to validate anything and you must get the receipt (often months after the fact) and it absolutely must be faxed to their fax number, on their specific form EXACTLY how they say. They will make absolutely no effort to check if the charge is valid according to the IRS and have setup specific, time consuming, detailed, and difficult road blocks to not pay the bill with YOUR MONEY. That way, they get to keep YOUR MONEY!!
Save yourself the grief, the heartache, the pain in rear, the difficulty with talking to someone with a thick indian accent (that's right, another American company outsourcing their customer service).
I completed spending my account money in April of 2010. They sent me a request for a receipt in September 2010 for a hospital bill! How much more eligible can you get? You can't! The other bill receipt request was from Quest Diagnostics - this is the worlds largest medical laboratory. No lie! The WORLDS! They kicked it back because their credit card machine was programmed properly (properly as defined by ADP). Speaking of ADP, you know, the company that loses payrolls, doesn't pay hundreds of people oon payday? That's right, they put the KW in Quality.
So what has happened to my account? Well, back in September, I had had enough, and I told them in an email, to look up the information themselves. I didn't hear anything from them and I thought the issue was resolved (they don't acknowledge when it IS resolved anyway). I thought, maybe they got their stuff together and all was well. In December, 2010, I signed up for another year. I went to pick up my prescriptions form the pharmacy, and my flex spending visa was denied. When I contacted them (as we always must do when there is an problem), they informed me I was required to - you guessed it, submit a copy of the receipts from the charges back in April 2010! On their specific forms, to their specific Fax number as this is the ONLY way they accept the receipts. So I spent hours, digging through all my online accounts, printing out all my wife and I's doctor visits, pharmacy purchases. I printed out $800 wrth of transactions and submitted it on their forms and Faxed. Called today - guess what, denied because there was 2011 receipts on the pages of receipts anf the indian told me they couldn't accept that - it was mandatory.
I can't say it loud enough, more often enough, or with more meaning, they WILL get your money. That's how they survive. Run away from these guys, it just isn't worth the heartache, grief and especially the TIME spent trying to please these .....
Reason of review: Process is a scam.
Monetary Loss: $45.
I didn't like: Extra hurdles, Unnecessary forms, Lack of effort.