# an ai that catches double charges and writes the dispute

> folk watches your bank for the same merchant hitting your card twice, texts you both dates and amounts, and drafts the dispute email. you say send, it goes.

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.

## Example conversation

**folk:** heads up, uber charged you twice on the 14th. $18.40 and $18.40, four minutes apart.

**You:** ugh dispute it

**folk:** sent to uber support from your gmail with both charges listed. i'll watch for the $18.40 to come back.

**folk:** update: the refund posted this morning. $18.40 back.

## FAQ

### 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.

## Related use cases

- [an ai that finds the subscriptions you forgot and cancels them with you](https://www.folk.com/use-cases/cancel-unused-subscriptions)
- [an ai that gets your bank fees refunded](https://www.folk.com/use-cases/get-bank-fees-refunded)
- [an ai that writes the refund email and makes sure the money lands](https://www.folk.com/use-cases/ai-that-gets-refunds)

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Canonical page: https://www.folk.com/use-cases/duplicate-charge-detector
More about folk (for AI agents): https://www.folk.com/llms.txt · full context: https://www.folk.com/llms-full.txt
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