
We would encourage that you utilize the tools provided to keep track of your account to avoid future occurrences of fees. We showed you how to access your online banking profile to ensure that you can check your balances prior to processing transactions, and you have not logged in since August of 2022. We have made all the possible accommodations to assist you with your financial needs. Under the Fair Credit Reporting Act (FCRA) we have reported this information fairly and accurately. There were multiple instances where you were delinquent and that is what triggered reporting. The credit reporting was provided based on the delinquencies that were present on your credit card account with us. We have had agents speak to you as well as managers We have on multiple occasions explained and advised how to avoid these fees. Upon reviewing your account, you were depositing checks and performing transactions while the check was unavailable. If you still have questions, send a message to our team either via the Message Center in your Lively Dashboard or to with any questions.In reference to the complaint submitted through the Better Business Bureau on. Lastly, if you have your funds invested through TD Ameritrade, Charles Schwab, or Devenir, make sure you have enough money in your Lively HSA cash account in order to cover the cost of the transaction you are making, as well as any fees that may apply.

We do this to ensure that you are not using your card inappropriately, which can lead to penalties and extra taxes! In certain cases, we have blocked the ability to purchase non-qualified medical expenses.

If you did activate your debit card, please ensure that you are making a qualified medical expense purchase. You can then reimburse yourself later (just hold onto your receipts). If you are unable to access your account, please pay for the qualified medical expense out-of-pocket if it is urgent. Please log into your account and in the “Debit Cards” section, you can see the status of your debit card and any dependent cards. In order to use your debit card, you must first activate it.
