If you find a possible fraudulent transaction that neither you nor someone authorized by you performed, please file a dispute according to the following steps. Please do not file a dispute if it is a merchant error (e.g. incorrect posted amount).
Please note that the dispute process is not for ineligible transactions. In the case of merchant error, you should make a good faith effort to resolve the error with the merchant before submitting a dispute.
Steps to file a dispute
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In all cases of fraud, suspected fraud, or a lost/stolen card, you should take immediate action, even before submitting an official dispute. Please cancel your Forma Card from your Member Portal settings page. Click on the red trash can icon to cancel the card, or the "Replace" button to cancel and request a replacement card. You can also contact our support team for assistance.
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Contact our Member Experience team via email (support@joinforma.com or log-in to your Forma Member Portal and contact us using the live chat box that will appear in the bottom right corner of your screen.
Please provide us with the following information:-
The last 4 digits of your Forma Card that was fraudulently charged
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The amount (and currency) of the transaction(s)
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The date and time of the transaction(s)
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The merchant name and product purchased
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A brief explanation for why you are disputing the purchase(s)
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Any additional details, evidence, and/or relevant documents that may aid the investigation
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Once we have received the necessary information listed above, we will investigate the transaction and file an official dispute with our card-issuer partner.
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We will directly follow-up with you via chat or email as soon as we have any updates regarding the dispute results.
DEADLINE: Disputes must be submitted within 110 calendar days of the transaction date to be considered.
Note: Once the dispute request is submitted, it will be forwarded to the relevant team for review. Then, it will be investigated by the Fraud Department of our card-issuer partner. For most transactions, our card-issuer partner would require up to 24 hours to verify if a transaction was indeed authorized. If the transaction was authorized, they will be able to start the official dispute investigation procedure. This process typically takes between 30 and 90 days.
Please note that the instructions outlined in this article are related to the Forma Card issued by your employer-sponsored program (related article: What is the Twic/Forma Card?). Alternatively, if you would like to file a transaction dispute for your pre-tax Benefits Card, please see this article instead, or reach out to our Member Experience team for direct assistance.
Additionally, please be advised that the Forma Card may not be applicable for all members. Make sure to check your Program Policy, or consult our Member Experience Team to confirm your eligibility.