Found: most-reported complaints
Automated analysis of 383 public Trustpilot reviews published 2022-01-19 to 2026-09-23. TrustScore 4.5 from 1,414 total reviews — see the Trustpilot page. Quick answer: is Found legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report account and app problems, which account for 38% of the 177 complaints identified in 383 reviews. Support issues are also frequent, with 37% of complaints citing unreachable support and 24% describing support as unhelpful. Additionally, 16% of complaints mention billing errors. The trend for account and app problems is rising, while the trends for support and billing issues are flat.
The company claimed its Trustpilot profile on 2022-11-11, uses Trustpilot’s paid features, and last replied to a negative review on 2025-12-09 — more than six months ago. Trustpilot ranks it 90 of 175 in Alternative Financial Service. We last checked this profile on 2026-09-24 and found 1 new review. These are facts Trustpilot publishes about the profile, as of our last harvest.
TrustScore over time
4.5 → 4.5 across 10 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-24 (8%, 21.3d) · 2026-08-27 (8%, 21.3d) · 2026-08-31 (8%, 21.3d) · 2026-09-03 (8%, 21.3d) · 2026-09-08 (8%, 21.3d) · 2026-09-12 (8%, 21.3d) · 2026-09-15 (8%, 21.3d) · 2026-09-21 (8%, 21.3d) · 2026-09-24 (7%, 21.3d).
Severity: 52% of this company’s 177 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 3.0 days between the experience and publishing their negative review (185 reviews record both dates).
What their policy promises
cancellation method: at any time
“You can cancel your subscription at any time”
cancellation method: no required hidden fees
“there are no required hidden fees”
refund window: until the end of your billing period
“you will maintain access to all of your plan’s features until the end of your billing period”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-17.
Policy-page monitoring
We monitor this company’s published policy page for changes. 1 change detected since we started watching on 2026-09-01:
- 2026-09-08: +0/-2 lines; removed: According to NerdWallet, Found is the Best Business Checking for Paying Contractors and Saving for Taxes. (Source) (snapshot)
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Measured reply time: across 105 negative reviews that received a public reply, the median wait was 14.9 days — the company profile reports an average of 21 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 105 company replies to negative reviews analysed, 27% engaged with the specific problem and 37% were generic templates.
Review provenance: 120 company-invited reviews in the recent window average 4.84★, while 95 organic (uninvited) reviews average 4.18★.
69% of its 183 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: account/app problems makes up 38% of this company’s complaints vs a 25% median across 100 ranked companies in its sector.
Review velocity: 379 of this company’s 1,414 Trustpilot reviews (27%) were written in the last 12 months.
What are the most common complaints about Found?
Account/app problems
67 reports · 38% of complaintsrising since 2025-05“when you have a personal issue you can't talk to a live person?”
The company replied on 2024-06-24: “Hi there, we're sorry to hear that you experienced this. Members of the Found team will never ask you for the one-time password sent to your email/phone number, your account password, or your PIN. If…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
“They won't honor any of the federal regulations around banks/deposits”
3 readers marked this review helpful on Trustpilot.
“Found froze my account after what they deemed as a "suspicious deposit".”
The company replied on 2024-04-25: “Hi there. For the protection and security of our customers, we sometimes require some additional information about your business and use of Found. We know that this can be disruptive, but appreciate…”
Our classifier read this reply as a deflection.
3 readers marked this review helpful on Trustpilot.
Support unreachable
66 reports · 37% of complaintssteady“when you have a personal issue you can't talk to a live person?”
The company replied on 2024-06-24: “Hi there, we're sorry to hear that you experienced this. Members of the Found team will never ask you for the one-time password sent to your email/phone number, your account password, or your PIN. If…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
“They won't honor any of the federal regulations around banks/deposits”
3 readers marked this review helpful on Trustpilot.
“Found froze my account after what they deemed as a "suspicious deposit".”
The company replied on 2024-04-25: “Hi there. For the protection and security of our customers, we sometimes require some additional information about your business and use of Found. We know that this can be disruptive, but appreciate…”
Our classifier read this reply as a deflection.
3 readers marked this review helpful on Trustpilot.
Support unhelpful
43 reports · 24% of complaintssteady“They're utterly useless and absolutely refuse to issue refunds.”
The company replied on 2025-05-22: “Hi there. We're sorry to hear that you had a negative experience with our disputes process. Dispute decisions are made in accordance with our internal policies. If you have any further questions…”
Our classifier read this reply as a deflection.
3 readers marked this review helpful on Trustpilot.
“It is now 5:11pm and still not processed or posted to my account”
The company replied on 2025-01-06: “Hi Angela, we're sorry to hear that you had an issue with your Found account. We're unable to discuss your account in this forum, but a member of our team has followed up via email to provide further…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
3 readers marked this review helpful on Trustpilot.
“the customer service was beyond poor”
The company replied on 2025-05-22: “Hi there, we're sorry to hear that you had a negative experience with our Risk Operations team. We strive to provide the best service possible and are disappointed to hear that we missed the mark for…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
Billing errors
29 reports · 16% of complaintssteady“I had money taken from my account and you said it was my fault.the money was spent I didn't spend it some else Did.”
The company replied on 2025-02-05: “Hi there. We're sorry to hear that you had a negative experience with our disputes team. Dispute decisions are made in accordance with our internal policies. Regrettably, not all transactions can be…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
“This woman had all my info and took $166 to a chime account.”
The company replied on 2024-04-25: “We’re sorry to hear that you’re having trouble with your Found account. If you have an ongoing email thread with our Risk team, please continue the conversation there. Otherwise, please reach out to…”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“Twice now Found bank has withheld refunds I’ve received from merchants.”
The company replied on 2024-04-25: “Hello! We aren’t able to share any details about your account in this forum, but we’re happy to help however we can. If you have an ongoing email thread with our Risk team, please continue the…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Other
19 reports · 11% of complaintsfalling“you can't use there debit card because the debit card is a prepaid card and a lot of online places don't except prepaid debit cards.”
The company replied on 2024-04-25: “Hi Kelly, thanks for sharing this feedback. We wanted to quickly note that Found is a business debit card, rather than a prepaid card, and can be used wherever Mastercard is accepted. Please let us…”
Our classifier read this reply as a substantive response.
2 readers marked this review helpful on Trustpilot.
“Business are struggling and this appears to be the best thing coming but its sounded a little too good to be true.”
2 readers marked this review helpful on Trustpilot.
“I got my entire account cleared out by fraud and they did nothing”
1 reader marked this review helpful on Trustpilot.
Refund refused
12 reports · 7% of complaintsrising since 2025-05“They're utterly useless and absolutely refuse to issue refunds.”
The company replied on 2025-05-22: “Hi there. We're sorry to hear that you had a negative experience with our disputes process. Dispute decisions are made in accordance with our internal policies. If you have any further questions…”
Our classifier read this reply as a deflection.
3 readers marked this review helpful on Trustpilot.
“closed my account with money in it and will not give me my money back.”
The company replied on 2025-01-17: “Hello! We aren’t able to share any details about your account in this forum, but we’re happy to help however we can. If you have an ongoing email thread with our Risk team, please continue the…”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“The answer was “too bad.””
1 reader marked this review helpful on Trustpilot.
Compare Found with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-24.