an ai that catches double charges and writes the dispute
Yes. With a read-only bank link, folk checks your transactions for the same merchant charging the same amount twice, texts you the two dates and amounts, and drafts the dispute email to the merchant. It sends from your Gmail when you say send, then watches your bank for the refund.
A double charge is the easiest money in the world to get back and the easiest to miss. It sits in a statement you do not read, next to a hundred other lines, and the merchant is not going to call you about it. folk reads the statement so you do not have to. When the same merchant hits the same amount twice, folk texts you before you would have scrolled past it, with the dispute already written.
how folk does it
folk reads every transaction
Once your bank is linked (read-only, through Plaid), folk sees new charges as they post and compares them against the last few days. No spreadsheet, no statement to download.
it flags the pair, with proof
"uber charged you twice on the 14th, $18.40 each" is the text. Both dates, both amounts, the merchant as it appears on your card, which is exactly what a dispute needs.
you say send, folk sends
The dispute is drafted to the merchant's support with the evidence lines filled in. Say send (or "dispute it" the moment folk tells you) and it goes from your Gmail. folk then checks your bank nightly and texts when the refund lands.
what it looks like
heads up, uber charged you twice on the 14th. $18.40 and $18.40, four minutes apart.
ugh dispute it
sent to uber support from your gmail with both charges listed. i'll watch for the $18.40 to come back.
update: the refund posted this morning. $18.40 back.
frequently asked
Does folk file the dispute with my bank or the merchant?
folk drafts the request to the merchant first, since that is the fastest path and keeps your card clean. If the merchant does not respond, you can ask folk for the version to send your bank.
Can folk move money or issue the refund itself?
No. The bank link is read-only. folk writes the email and sends it from your Gmail with your go-ahead. The merchant or bank moves the money, and folk watches for it to land.
Do I need to link my bank?
For duplicate detection, yes, because folk has to see both charges. The link runs through Plaid on your bank's own page; folk never sees your password, and a bank counts as one of the two apps you can connect for free.
folk can also
an ai that finds the subscriptions you forgot and cancels them with you
folk reads your recurring charges, spots the ones you stopped using, and drafts the cancel plus refund email. you tap send.
an ai that gets your bank fees refunded
overdraft, maintenance, and late fees are usually waived if you ask. folk spots the fee and drafts the ask.
an ai that writes the refund email and makes sure the money lands
short refund, missing refund, wrong amount. folk drafts the follow-up with the original numbers and watches your bank until it's back.
learn the concepts
Accountability partner
An accountability partner is a person (or, increasingly, an AI) who knows your goal, checks in on your progress at agreed times, and makes it harder to quietly quit.
Body doubling
Body doubling is working on a task while another person is present, in the room or on a call, whose presence alone makes it easier to start and stay on the task. It is widely used in the ADHD community.
Personal AI
A personal AI is an artificial-intelligence assistant dedicated to one person - it learns your preferences, remembers your context, and takes actions on your behalf across everyday life.