C. A.
No debit card, unreliable app
Does not provide a card, only reimbursement, which means you have to front your own money many times, and when you go to submit a receipt, half the time the app gives a network error, so you can't immediately submit receipts, making them hard to keep track of. Feds should have an alternative option to encourage this service to step up its game. It wouldn't take much for any other FSA service to outperform them.