Wow what a pain in the ass.

The last FSA I had was the exact opposite. They put my FSA on a Visa card, then I went to the optometrist and forgot to use it and paid on my own credit card. A week later, I got a check in the mail from my FSA with a note basically saying "Hey, you could have used your FSA for that, so here's an automatic reimbursement."

EDIT: It may have been an HSA, not an FSA. I don't remember.