# folk money, an ai that gets your money back

> folk is an ai in your texts that watches your bank and your orders around the clock and gets money back when a business was counting on you not to notice: forgotten subscriptions, double charges, junk fees, price drops on things you already bought. it writes the refund email, you say send.

Businesses earn a spread from consumer inattention: forgotten subscriptions, fees that are waived on request, price drops the week after you bought, refunds that come back short. Each leak is too small to be worth 20 minutes of a person's day, so it goes uncollected. folk is an always-on agent, so checking costs it nothing, and every leak becomes worth plugging. folk drafts the email; the user says send. folk never moves money and never cancels anything on its own.

## What folk does with your money

### cancels subscriptions you forgot about

folk reads your recurring charges, notices the ones you stopped using, and drafts the cancel plus refund email. you tap send.

Example text from folk: "u haven't opened canva in 47 days and it went up to $25. cancel email is ready, send it?"

### disputes double charges

when the same merchant hits your card twice, folk flags it with both dates and amounts and writes the dispute for you.

Example text from folk: "uber charged u twice on the 14th, $18.40 each. dispute is drafted."

### gets junk bank fees refunded

overdraft, maintenance, and late fees are usually waived on request. folk spots the fee and drafts the waiver request to your bank.

Example text from folk: "chase took a $34 overdraft fee. asked them to waive it, they usually do first time."

### claims price drops on things you already bought

forward a receipt (or let folk read your gmail receipts) and it watches the price. if it falls inside the store's adjustment or return window, folk texts you the refund request ready to go.

Example text from folk: "the jacket u bought tuesday dropped $40. still inside the 14 day window, adjustment request is ready."

### finds a coupon before your order ships

folk checks for working codes on orders that haven't left the warehouse yet and tells you when cancel and rebuy comes out ahead.

Example text from folk: "found a 15% code for the order that hasn't shipped. cancel n rebuy saves $12."

### chases refunds that never fully landed

when a refund comes back short or not at all, folk writes the follow-up with the original amount and date, then watches your bank for the money to arrive.

Example text from folk: "that return was $89 and they refunded $71. follow-up email is drafted."

### chases packages that stop moving

the package tracker folkway watches every shipment and texts when one goes quiet. folk drafts the 'where is my order' email so you don't have to dig up the order number.

Example text from folk: "ur package hasn't moved in 6 days. want me to email them for an update?"

### knows the return window on everything you buy

for every tracked purchase folk looks up the store's return and price-adjustment policy, so it only starts a fight you can actually win and never after the window closed.

Example text from folk: "zara gives 30 days. i'll watch the price till the 12th."

### comparison shops so you don't have to

tell folk what you want and it checks prices across stores, watches the one you pick, and texts the moment it drops.

Example text from folk: "same airpods, $40 cheaper at costco rn. want the link?"

### watches flight prices after you book (folk preps it, you make the call)

folk keeps an eye on the fare around the clock and texts when it falls. you do the rebooking, folk hands you the link and what you'd save.

Example text from folk: "ur jfk to lax dropped $60 since u booked. same flight, here's the link."

### preps you to negotiate your card's apr (folk preps it, you make the call)

folk writes the script for the call to your card company, with your history and the number to ask for. you make the call, folk logs the win.

Example text from folk: "u've paid on time 14 months straight. script for the apr call is ready, ask for 19.99."

## Not yet

- switching your insurance, phone, or utility provider
- picking which card to pay with for the most rewards
- rebooking a flight for you when the price falls

## A budgeting app shows you. folk does it.

| the leak | a budgeting app | folk |
|---|---|---|
| forgotten subscription | lists it in a chart | drafts the cancel email, you send it |
| double charge | you might spot it | flags it and writes the dispute |
| overdraft fee | categorizes it as 'fees' | asks the bank to waive it |
| price drops after you buy | nothing | texts you the refund request inside the window |
| package stuck in transit | nothing | texts you and drafts the chase email |
| refund came back short | nothing | follows up with the original amount and date |

## How it works

- Bank: read-only link through Plaid (US, Canada, UK, 17 EU countries). folk sees balances and transactions; it cannot transfer, pay, or touch a cent.
- Purchases: forward a receipt screenshot or let folk read Gmail receipts. folk looks up the store's return and price-adjustment window and watches the price inside it.
- Fights: folk drafts the refund, dispute, waiver, or cancel email. It sends from the user's own Gmail after the user says send (an explicit 'cancel that' or 'dispute it' counts as the yes).
- Wins: folk checks the bank nightly and marks a fight won when the money lands.
- Pricing: starting a fight is free; a bank counts as one of the two free app connections. Always-on watching (instant charge alerts, nightly price checks) is part of Pro at $9.99/month. Details: https://www.folk.com/pricing.md

## FAQ

### does folk actually cancel the subscription or send the refund email?

folk finds the charge and writes the email. it sends from your own gmail only after you say send, and if you already told it to cancel or dispute that charge, that counts as the yes. folk never cancels or moves money on its own.

### how does folk know a refund landed?

every night folk checks your linked bank for the refund and marks the fight won when the money shows up. you get a text, not a maybe.

### do i have to connect my bank?

no. forward a receipt screenshot or let folk read your gmail receipts and it will still watch prices and draft refund requests. the bank link is what unlocks fee, duplicate charge, and subscription detection.

### can folk move my money?

no. the plaid connection is read-only. folk can see balances and transactions so it can help, but it cannot transfer, pay, or touch a cent.

### does folk see my bank password?

never. you sign in on your bank's own page through plaid. your credentials never touch folk.

### what does it cost to have folk fight a charge?

starting a fight is free on every plan, and a bank counts as one of the two apps you can connect for free. the always-on watching (instant charge alerts, nightly price checks on every purchase) is part of pro at $9.99 a month.

### which banks work?

more than 12,000 us banks and credit unions through plaid, including chase, bank of america, wells fargo, amex, capital one, and most local credit unions. canada, the uk, and 17 eu countries too.

### what happens to my transaction data?

it is encrypted, never sold, never used to train ai, and deleted when you disconnect the bank.

## Related

- [Cancel unused subscriptions](https://www.folk.com/use-cases/cancel-unused-subscriptions)
- [Duplicate charge detector](https://www.folk.com/use-cases/duplicate-charge-detector)
- [An AI that gets refunds](https://www.folk.com/use-cases/ai-that-gets-refunds)
- [Price drop refund after purchase](https://www.folk.com/use-cases/price-drop-refund-after-purchase)
- [Shopping](https://www.folk.com/shopping), comparison shopping and price watching.

---

Canonical page: https://www.folk.com/money
More about folk (for AI agents): https://www.folk.com/llms.txt · full context: https://www.folk.com/llms-full.txt
folk is the friend in your texts that keeps you on track (iMessage, Telegram, WhatsApp). Free forever, Pro $9.99/mo, Max $100/mo. Made by Nozomio Labs. Sign up: https://www.folk.com/