Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: ND

Complaint narrative:
To whom it may concern, Hello, My name is XXXX XXXX XXXX, I am the owner of XXXX XXXX XXXX XXXX XXXX. out of XXXX, North Dakota, and i have been banking with Found Business Banking since XXXX XXXX XXXX Over the past 6-8 months I have not had any work but still maintained a account with the bank and balance of {$0.00}. During the months of XXXX i have had some transactions deposited and withdrawn from the account, which maintained a positive balance and this bank will not let you go below {$0.00} unless if you had extra funds in the sub accounts attached to the account. With that being said XXXX XXXX i checked my account balance to verify and it was at a XXXX balance so i could deposit two transactions from XXXX XXXX to cover the authorization hold from XXXX XXXX XXXX XXXX XXXX XXXX for the total amount of {$610.00}. This authorization hold consists of a security deposit of {$250.00} for using a debit card for a rental and the rest XXXX was the total estimate usage and mileage for a 7 day rental. After the hold was placed i had a positive balance on my statement. Now on the statements it shows these transactions post a day later and Found has manipulate the statements by not putting them in sequential order by date/time. According to the previous months of XXXX XXXX my balance was positive until XXXX my account went into the negatives due to a transfer i was told to initiate to my external linked bank account from found closing my account. My account was frozen due to unusual activity and was being investigated. It was frozen on XX/XX/XXXX @ XXXXXXXX XXXX. The unusual activity was deposits coming from cash app. I filed a dispute XX/XX/XXXX with cash app and i won the dipsute. So cash app sent back the refunds to my linked bank account which happens to be found debit card. So why freeze a account because of deposits being deposited into my account.? well found told me i had {$1000.00} to transfer so i did, on XX/XX/XXXX XXXX release the XXXX hold and finalized XXXX which leaves me with a XXXX i never got credited back into the account. Why was XXXX added to my account then mysteriously taken XXXX. On XXXX i received a email again from cash app stating that i was getting two more deposites one for XXXX and the next for XXXX for a total of XXXX. Well that hit the account but was demolished because found took XXXX which left me with XXXX in which i transfered to my chime account. I emailed found to ask why the XXXX was taken from the account it made me negative and they responded it was the XXXX transaction that made me negative but Found failed to realize that i have been watching the account and that XXXX released the XXXX and only charged XXXX so how could they make me negative. The response i got from Found Customer service is that they will dispute the XXXX transaction on behalf of me but i never once asked for that transaction to be disputed. You will see in the email itself. so now that its disputed and the money has been reversed to my account they are trying to say they dont have the money. The owner of XXXX called me personally and told me that the money was reversed and disputed he is no longer paid. I emailed the FOUND DISPUTE TEAM, and they reply with please provide proof of filing the dispute and why i dispute and if can provide the proof i MIGHT be able to recieve provisional credit. Its like they are holding my money and keeping it from me. 
Attached you will see all email conversations and bank statements to prove i should have what im asking for which is listed below in the resolution part of this form. I am homeless and going thru financial hardship. all i asked for was a call and explanation and proper dispursement of my funds. The customer service is horrible and hard to deal with they never want to call only emails and brief answers.

Company response to consumer: Closed with explanation