Who told you this? I now of more than a few teams who log all their finds under the team account, regardless wo which team members are present when a cache is found. Sometimes the team logs caches in different states on the sate day.
My basic premise regarding teams is; "Your team, Your rules" when it comes to when you log a find with the team account. Others may do things differently.
Here is the exact email I received from Groundspeak: