I’d walk on hot coals rather than deal with UMR’s FSA again

I have UMR through my employer and participate in health savings account/flex card, since I’m on several prescriptions and go to therapy. Long story short, in spring of 2021 my husband (who is on my insurance) was hospitalized overnight for what we thought were cardiac problems. The hospital bill came in January of 2022 and I paid it with my flex card. UMR wanted an itemized receipt, which I got them. Then they told me my card was disabled because I had paid a bill incurred in 2021 using 2022 funds. I was like, I can’t help when the hospital bills me. They acknowledged this and said that because there were no funds (rather, the $154 hospital bill) left on my card from 2021, I couldn’t use the card to pay the bill.

Literally every year my employer sends out a mass email reminding everyone to use all the money on their flex card before the end of the year, because it doesn’t roll over to the next.

I explained this to UMR and their response was the same. Has anyone else experienced this? How did you remedy it? They want me to reimburse them $154 for a $154 hospital bill I paid with my own money on my own flex card. I can’t even pay my therapist’s co-pays without the flex card right now. Am I an idiot and am I missing something? Are they trying to screw me? I have spoken with UMR, my HR department, and filed a BBB complaint. UGH.