I understand, thank you for the response. Are you bading on direct knowledge? I am wondering about what kind of processing happens at the time of the swipe and what could happen other than denial. What could a punishment be.

No, this not what I want to do. In the past, when I used the card at a dental office I just swipped it, it was approved and that was it. I was using my own FSA or HSA funds and not insurance. I was interested in knowing if following up was a thing.

Thank you, could you please elaborate on this? Not a dependent under a plan. Is it pretty much a given that this would be detected as not my transaction and if so, what kind of penalty could there be?