Cleo AI: Cash Advance & Budget Customer Service

Cleo AI: Cash Advance & Budget Positive Reviews

Best financial app hands downCleo is an innovative financial assistant app that uses AI to help you manage your money in a fun and engaging way. What sets Cleo apart is its witty, conversational style that makes budgeting and saving feel less like a chore and more like chatting with a clever friend. The app connects securely to your bank accounts and provides insights into your spending habits, offers budgeting tips, and even gives you a playful nudge when you're overspending. One of the standout features is the ability to set saving goals, and Cleo will help you stay on track with them, offering tips and challenges to boost your savings. The app's chatbot is responsive and helpful, with a range of financial tools like a savings account (Cleo Wallet), cashback offers, and a salary advance feature called Cleo Cover. However, the app might not be for everyone. Some users might find the tone a bit too casual or prefer a more traditional financial management tool. Additionally, while Cleo is great for tracking day-to-day spending, it lacks more advanced investment features. Overall, Cleo is a fantastic app for those looking for a lighthearted but effective way to manage their finances. It's particularly suited for younger users who appreciate a bit of humor with their budgeting. **Pros:** - Engaging, conversational interface - Effective budgeting tools and spending insights - Savings goals and challenges - Salary advance feature (Cleo Cover) **Cons:** - Casual tone may not appeal to everyone - Lacks advanced investment feats.Cleo Lover 69Version: 1.311.0

Definitely the most interactive money app with added features that are entertaining for sureThe only app I have that is not free but it’s definitely worth the small price of a subscription for the amount of interactive content and the weekly quiz that you have the opportunity to win a significant amount of money for free to play and get a good amount of knowledge about what you’re doing with your money and the fact that it’s not as easy to get the question right as you would think it is to be able to answer questions about your own spending habits and the result that you could possibly win $4000 dollars every week and the fact that you can be quickly increased in the amount of money that you can access in times of need is faster than any other app that I have experienced so for the few reasons I mentioned above I would say it’s worth the small price to cover the cost of a monthly subscription and the possibility that you can win enough money in a simple weekly quiz to cover the cost of your subscription fee for the next several years is definitely worth it for sure I don’t normally share the invitation link to invite people who probably wouldn’t even know about this app and I do occasionally share the link to the people that I know that would definitely be satisfied with this app for sure.Zdizzle720Version: 3.32.0

I’m still going to try...I was recommended Cleo by a friend who loves how user friendly it is and how it can roast her, and I thought it would be great for my chronic overspending problem. I downloaded it and immediately starting having problems. First it took awhile to connect my bank account and now here’s two of the same one. Second, when adding my income (which I had to do manually, as I couldn’t choose one of the suggested ones) it was in pounds, not dollars, and it would NEVER save. Third, making my own budget (as the one Cleo suggested was just not gonna work for me) was difficult because it always said I didn’t have enough money to cover my spending. I went in vacation this month and spent a lot of money, but I wasn’t hoping on starting the budget this month. I guess I’ll try again next month and see if I have any luck. Also, when I was trying to identify bills, it was next to impossible as I have multiple iTunes bills and I couldn’t specify which ones update when or choose prices. Suggestions: Make it easier to view which bank accounts are linked. Fix currency. Have a reset button for the entire app. Make a button when creating a budget on when it should start (like it will start when the next month comes around). Focus more on working on upkeep and not just making it yell at me. Let me manually input prices when it comes to bills. Right now I’m not very happy with Cleo, but I really want it to work. I will try again next time I get paid so we will see..Lina210618Version: 1.14.0

Best of All Cash Advance Apps!One of, if not THE BEST cash advance app on the market! I also have the Cleo Credit Builder Card, which has helped to improve my credit score tremendously! I also really enjoy the Cleo Chat feature. Specifically, the way Cleo responds to messages. I find the whole “roasting” aspect and Cleo’s “shade throwing” quite fun! An app definitely marketed to the younger age group, but anyone who appreciates “ball busting” humor will get a kick out of Cleo’s responses. However, now that A.I. has made its way into society & usage has skyrocketed exponentially since it started rolling out, I was wondering if this will eventually be integrated into Cleo? I think having A.I. capabilities integrated with Cleo would be a game changer! Not only would Cleo’s responses be more personalized to each individual user, but it will make the experience more custom and cater to each Cleo User’s personality & habits! Cleo would certainly be more useful & I imagine more Cleo users will end up utilizing the chat feature more! Anywho, just a thought and curious! But anywho, Cleo is a wonderful app and I highly recommend those who are already using other apps such as Earnin, FloatMe, Brigit, Empower, Albert, SoLo Funds, Dave, Varo, etc. Will find Cleo to be the one leading the pack!.B1itzcraigVersion: 1.304.0

Good, however….I actually really love this app. It’s been extremely helpful in times where I really need money. HOWEVER, I think it’s a terrible and unfair thing for them to only give you the option to receive an immediate advance straight into your credit builder card (through Cleo if you sign up for one) instead of your preferred bank account. If you don’t choose the bank account method (where it takes 3-4 days to deposit the advance into your bank account) you essentially end up paying Cleo a LOT of money. One, in repaying back your advance and two, in repaying back the advance amount again through your credit builder. Understandably, we have to pay back whatever we spend on our credit builder. However, I do not want to have repay $600 in advance payments per month as well as $600 in credit build their payments either. That essentially adds up to $1200 per month. If I end up taking out $600 in advance payments I’d like to only pay that back to Cleo and have the option. Paying back whatever amount of $100 or less that I decide to put on my credit builder, instead of the forced amount of whatever I may have needed to take out immediately and add to my credit builder because I didn’t have a choice in the moment. Please give credit builder customers and option to receive their cash advance immediately their preferred debit cards!.Ms K707Version: 3.25.0

Excellent platform, extra money in case of emergencyCleo puede ser tu mejor aliado en situacionIt’s difficult. For example, if you work in a restaurant and you don’t have money yet or you still haven’t been paid your tips and you need to pay for your transportation you need to pay for your transport card or you just want a coffee and you don’t have money Cleo is your best option to manage your money and always gives you a cash advance option and gives it to you in two parts and that way you try to know if you need all the money or you don’t need everything in case you need it, everything gives you the option to take the full money, but remember that you don’t have any charge for taking extra money as long as you pay it on time and are responsible, I say that this platform saved me from many that’s why I recommend this platform to anyone to ask me why I use it is because it gives me money in advance from my check he paid it on time and helped me pay my telephone services and also helps my credit grow when To be precise. My credit went up to 725. This platform is your best ally if you don’t have a good credit score.Gogo1632Version: 3.12.0

Entertaining AND an easy to understand budgeting/finance app.I was a little skeptical about this app at first, but after exploring it a bit and delving into a few of the many resources, insights, and budgeting options I’m set on using this app to its full potential. This App breaks down EVERYTHING from your spending habits, the products you buy, the stores you frequent and uses a chat like feature to constantly keep your budget goals in the forefront of your mind so you are able to physically see acknowledge your negative spending habits, making it easier to break those habits and integrate positive spending habits in your daily routine. It’s like that friend who will text you to hold you accountable to the changes you’re trying to make. The way Cleo speaks in the chat feature is as if I was talking to one of my actual friends so it creates a stress free environment to manage your finances, because we all know money stresses us out sometimes. I haven’t full dived down the rabbit hole with this app but I really recommend trying it for yourself. I have a good feeling about this one!.Re_BuiltVersion: 1.202.0

MisleadingYou guys make it all sound good in the application for an upgrade, I put on tgere I was self employed and I can verify income through my different banks and I can upload statements but you guys tried to have me sign up and did for direct deposits. If you can’t accommodate me with your services then let me know, don’t take my money and have me believe that I am going to get better credit and cash advances are basically gaurenteed to an amount you can handle which I can handle a basic advance, I’m not going to connect my bigger accounts because of this problem tha seems to be a trend on most of these sites. I am a little upset and if uploading my statements doesn’t work then I will have to cancel my account and I would hope to get a refund but that’s why I changed it to 1 month payment cause I’m not going to pay for services that do not follow through with there statements. I believe I saw you guys are affiliated with Money Lion and if I’m wrong then great but I just deleted my accounts there because I was told a lot of things and promised that it would work and after a week and a half there was no charge, so if you are I really have to go. Thank you and I’m waiting for a response..Choda popVersion: 1.234.0

Needed it!I’ve got this friend named Matt that’s a financial advisor and is always nagging me about my financial decisions; Cleo is Matt in my pocket. Today she told me I spent $600 more than last week, but the jokes on her ‘cause I almost won the $190 million power ball because of it. Jokes aside; Cleo, at least in my experience, is for that average everyday individual that doesn’t want to balance a check book while making positive financial decisions. You can ask her “What bills do I have coming up?” “Can you help me with a budget to save for (insert nonsense you don’t need here)” I’ve even had her point out I was paying double for a subscription. Weekly there is a quiz about your previous week’s money decisions that put you in a drawing for real money! Did I mention she also offers cash advances and is flexible with the repayment date?! ….Matt doesn’t do that! Put Matt in your pocket and start building your empire today! I gotta take a nap I work in two hours. Why did I just type what I was thinking? Must be because I have more time on my hands with Cleo managing my finances!!!!.JwitsomeRVersion: 3.31.0

Small but mightyIf you’re looking for an app to help you budget, it’s Cleo. If you’re looking to consolidate your info so you can see everything in one screen, ask Cleo. If you need help saving for anything, ask Cleo. Cleo may not have the most creative responses yet, and you’ll have to learn some key words and phrases to get the correct answers, but as a work in progress, Cleo really is amazing. She does almost everything I need her to do, and the things I’ve suggested have been noted by the team. I’ve contacted support many times and get feedback soon after. The team behind Cleo is always looking to see what they can do better and how they can help more, while also making Cleo’s overall atmosphere relaxed and as stress-free as finances can be. I especially enjoy Cleo’s different modes, such as Hype and Roast. The Facebook group is friendly and any questions you post there will always be answered. The app’s layout is easy to understand and has very few glitches, and when something does happen, it’s fixed soon after. I would 100% recommend Cleo to anyone who needs help managing their finances..Auroya SVersion: 1.29.0

It’s kinda crap in my opinionYou do this stupid cool off period and for 7 days when st first it says 5 days so your really not there to help when help is needed and my last loan was paid back 7 days ago today, actually 8 counting the day I paid it back and now it’s still saying check back later today for a advance cause of the cool off period and you shouldn’t be the one deciding what can be handled for paying back!! The people who pay for your services should decide for themselves because they know what they can and can not afford. So making someone wait longer then 7 days to help them when they need the help is ridiculous! Dave only made me wait 3 days so I apparently would of been better off with the Dave app. I only changed to this one because it was more options for money amounts but it seems I made the wrong choice. I will not pay $6 a month to not be able to get help I need when I need it. It’s said since yesterday to check back later. Check in less then a day and it’s been over a day it has said that!! So I should be able to get it now!!.Trina410Version: 1.64.0

The Sassy and Amazingly Helpful AppI’ve been using Cleo for a couple years now and I love it more so now then I did one day one. The loans/cash advances are super helpful. The credit builder card has helped up my credit score quite a bit over the years. It’s a fun app to use that just so happens to help you manage your money as well as loans you money when in a bind. I’ve tried similar apps in the past, but Cleo is the ONLY one that I’ve kept over the years. The only reason I did 4⭐️’s instead of 5 is bc if/when you have the credit builder card and go to get a loan, if you want it INSTANTLY, then it has to go on your credit builder card instead your regular debit card. I can send the loan to my bank account, but it will take 3-4 business days (but is also free whereas instant charges you a small percentage of whatever your loan amount is). Before I got Cleo’s credit builder, I was able to have it sent to my regular debit card. That honestly is my only complaint and it isn’t even major issue at that. So if you haven’t downloaded and tried Cleo yet, then what in the world are you waiting for?!? 😅.RiotGrrrlCareBearVersion: 2.10.0

There’s always a catchSo I’ve been using Cleo for quite some time now it’s been a little over three months and there’s a few things that I’ve noticed while using it. So for one, they don’t help you build credit they just give you cash advances but if you’re late on a payment, it reports to the credit bureau, how funny is that? Also I wanted to point out that when you make payments on time the amount they give you gets higher so let’s say you get approved for $50 and you pay that three times every month it’ll get higher to $75-$100 and maybe more. What I’ve noticed about this was there was a time when I couldn’t pay the hundred dollars so I had to extend the payment a day ahead. Since I did that my amount that I could borrow dropped. and it went all the way back to $20 I think that’s whack considering that I’ve made every single payment on time so if you ever need it extend a payment just know that all that money that they gave you that was a high offer is going to go back to $20. I mean they still give you money so that’s the good part but I wish they didn’t do this and I would rate it five stars if they didn’t do that..Proper MateVersion: 1.241.0

Absolutely no support**Update** I finally received some help and the issue seems to be resolved, however I’m only updating my review from 1 star to 3 stars due to the customer service response time, they really need to work on the support for this app, if it weren’t for the customer service I would give this app/company a 4 or 5 stars. Let me begin by saying I don’t like to ‘review bomb’ an app or service but I’m at the end of my rope! I cannot get any help whatsoever and this is my last ditch effort. I used to give think this app was amazing but I’m recently having issues of trying to withdraw from my account with Cleo, every time I try to withdraw I get an error with absolutely no information; it just says to contact support. I contact support and it’s crickets, this isn’t the first time I’ve tried to contact them about issues and they never respond, I always get told support will be back in an hour, that I’ll receive emails that I never receive. I usually get left to figure out my issues on my own but now that I have tied up 250$ in this app it’s annoying and I’m prepared to cancel my plus subscription and take all my money out, whenever I actually get support. I’m beginning to not trust this app..Ezra_KeithVersion: 1.70.0

Believe The HypeThis app is definitely worth checking out with its AI and cash advance options. This app has gotten me through some tuff times. When founds are limited and life calls for some unexpected expenses just like life always does I know I have someone to fall back on no matter what I can always count on CLEO. It seems no matter how well off I am financially I always find myself in a pinch eventually and GOD knows we can’t always count on friends and family to bail us out it’s just a comfort to know that me and CLEO can handle purity much what ever chaos life throws my way. Oh and CLEO also works like a personal financial advisor any questions I have all I gotta do is ask Cleo in the chat bot section and I get the professional advice I need right on the spot. I finally have a budget and I’m able to save money for the most part every once in awhile I compulsively buy but now I can afford it and my girl isn’t ready to kill me when a pair of new J’s from Stock X comes is delivered to our door step while I’m out hustling at work lol. 🤫lol 💯💵🤑💰💲💳.$even17Version: 1.379.0

Terrible AppThis app is absolutely terrible. Initially it was OK but when I wanted to be let out of this service, after repaying my advance/debt, they would not let me close the account for freaking days. OK. And it wasn’t even during any type of holiday or anything like that. It was during a standard business hours type of service that took days all because they just kept saying that they couldn’t connect to my bank. However, they had no trouble connecting to my bank when I needed to pull out the funds. Really disappointed en esa app. I recommend anyone who tries it. Despite all the praise that this app has just please be careful because this apps is absolutely terrible. Let’s not forget the fact that connecting with customer service is essentially impossible because of AI. So if you’re having any trouble with this app, please be aware that you’re gonna have to write an email. Wait about 48 hours. Maybe even 72. All for them to just basically be like we can’t assist you. Try again in the app..Cedric BennettVersion: 3.37.0

WOW AMAZING SIMPLY AMAZINGThis is hands down one of the coolest apps I’ve ever used! If you are serious about wanting to save money but need a little truth to how you spend it, than this is the app for you! They literally break down every single thing down for you! You connect your bank and it automatically tells you what you’ve spent money on and total amount in a certain time frame, they have fun “games” that hit you with the stuff you waste money on and then do you regret it or are you ok with it AND THE BEST part is they automatically create a ALLOWED SPENDING option that calculates the money you currently have in your bank and your income, then how much your bills are and breaks down every category (entertainment, bills, eating out, gas etc) and how much you can spend that week on those things so you don’t have to guess how much you can spend on stuff; it calculates it all for you! This is a MUST HAVE app!!! I’m so happy I found this and the last person to write a review on an app but this needs to be heard and seen because it’s life changing!!.BrielleReviewsVersion: 1.66

Good in theory but problems with how it actually worksSo I’ve been using for quite a while now and while it’s great in a pinch, you can only take out so much every day and if you want instant, you have to pay an instant fee every time. If it’s your due date and they try to take it out before your paycheck hits, it will be considered late. Even if you pay it back the moment your paycheck hits that day and then they’ll lower your amount. So if it calculates to pay back weekly and you choose to do nine instant, which is free half the time you don’t get most of the money till it’s time to pay it back not sure how that makes sense but the instant fee is high so if you have to do five withdrawals to get your full amount, it’s way too expensive to do instant it also likes to calculate that I get paid weekly when I don’t just because I have other money that goes into my account sometimes so it takes money out when I didn’t get paid in return charging me more money lending me less extremely short period of time most of the time not even giving me the full amount they say that I can take.None of your business 1977Version: 3.54.0

My overall opinion….This app used to be so much better than it is now I had no problems at that time. But this year it’s been nothing but problems. And I mean problem after problem. I’ve had to make multiple different accounts to try to get it to work like it should it’s still having difficulties I even paid for plus memberships & the credit builder memberships just to have them basically lock me out of my account. So, basically they locked me out of the account and now I’m out the money that I paid for both of those memberships (multiple times) & now I can’t even use that said account. Therefore I had to set up a new account … again & I am still having difficulties with getting any cash advance at all…setting up credit builder …any of it ….if I don’t get it fixed or handled today I am no longer going to be using this app at all and I’ve been using this app for well….since they first released this app. #NotSatisfied #Wastedmymoneyfornothing.LeosMommy222Version: 1.155.0

Love!!!If you're the kind of person that needs a little smack in the face every once in a while in order to behave, this app is definitely for you. it's SUPER easy to use and set up, including easy-to-access email verification that involves absolutely no manual switching of apps, it's literally two buttons to press and you're done. it's aesthetically pleasing if that's important to you, and feels like a really honest friend helping you out with your money. it roasts you if you spend too much moola and is set up as a personal conversation so it's genuinely fun to use. the only things i was bummed about is that if you don't get your paycheck through venmo, you have to manually enter your paycheck every time you get it. it might just be a me problem but that's a little frustrating. you should also know that it has some crude language so i wouldn't consider it to be family friendly. other than those two things, i think it's a great resource to save money and track your spending!.Rapunzel BearVersion: 1.142.0

FinallyI know I’m not alone. I’ve been looking for this app for a long time! I just never knew it existed. I’m telling everyone I care about to look into this thing! Actually, there’s another app I believe, when paired with this one, creates the ultimate one, two combination! This one though, just like others, you build your limits as you honor your commitments. It’s simple, stays on top of you and your spending, even has creative ways to help you save more or spend less! These developers have put in their respective time to create the best darn cash advance platform available anywhere! Simplicity by design! I freaking love it and frankly, all of my intelligent friends are already getting in on it now or are planning to very soon! If you ever find yourself with too much month at the end of the money frequently, this could become your new best friend! You won’t find anything better! I promise, I’ve looked into everything out there and , THIS IS THE BEST FINANCIAL APP AVAILABLE PERIOD!!!.NumistaVersion: 3.6.0

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 3.55.0

Cleo AI: Cash Advance & Budget Negative Reviews

Could be better….I’ve used this app for over a year and it was nice to have the change rounded up and saved. However, with apps like Acorn who invests that for you, there really isn’t a point anymore for this feature. This was mainly the reason why I wanted this app to begin with. Now the app itself is okay to run, it’s not so bad. What makes this 2 star worthy isn’t the app itself but the lack of options. Yea it’s funny to have an app roast your spending habits, sure, but it feels like the app keeps your savings in prison or something. You have to wait “3 business days” which I’m guessing excludes Fridays and the weekends. Meaning that if you place a withdrawal on a Wednesday it claims it won’t be in your account until Tuesday!! If you are reading this and are okay with waiting that long, then this app is not so bad. It has some unique features that could be useful but were not useful for me personally. If someone would have told me that their business days are Monday- Thursday I would be less harsh but it’s frustrating when the money is needed and you have to wait almost a week to get it!!! Not to mention it was supposed to be in my account already but somehow was canceled. It’s frustrating to say the very least. If they were to add an instant payout method then that feature alone would easily make my rating 4 stars. Since that isn’t an option and some glitchy stuff happened with my transfer, they will be getting 2 stars from me..Alexhew2000Version: 1.134.0

Too much variationI will start by saying that I was mainly interested in the advance feature on this app but I am always looking for help with budgeting, planning, and saving and This app claims to do all of that. As far as the advance feature, It started off with decent advance amounts but after 2 or 3 advances that I paid back on time or early it would drop significantly and was always fluctuating so much that I was losing a lot of money and ended up costing more than I expected on top of the subscription fees plus the costs of the advance, that is how they trap you. Like if I borrowed 120$ and paid it back on time or early with all the fees then the immediate available advance amount would be 80$ and I was in a position where I couldn’t afford to not borrow back. There was no consistency even though my paycheck is always the same amount and it got to where I just couldn’t take a chance because it would leave me so much worse off financially. The apps budgeting, planning, and saving features were so complicated and not user friendly it was definitely not worth the subscription fee and after trying it for at least 6 months I wouldn’t even use this app if it was free there are much better apps out there so I do NOT recommend this one. Don’t get trapped by it like I did unable to close or delete my account simply because there is .01¢ in there that I cannot transfer out or get rid of somehow and they are still trying to charge my bank for the cost of the subscription every month due to that one penny..4cleoVersion: 2.12.0

Need better customer support!If everything this working fine and you are paying attention to everything it works fine. But once something messes up customer support is very rude and won’t listen to you at all if they think they are right. Multiple times I have proved them wrong about things they didn’t believe me at first. Always screen shot everything with them to have back up protection. 2 issues I am having that haven’t been resolved!! 1st: I signed up with student beans and it’s a discount of 33% off the credit builder subscription. Well it didn’t give me the discount so I emailed support the same day and at first no one had a clue about a student discount. Like I had to argue with them about it. They said it would be taken care of and put a ticket in. Well almost 3 months later still was paying full price and nothing resolved after multiple attempts to support. Then they just started to shut me down and say they can’t prove I signed up for it and blah blah. Won’t speak to me about it anymore or answer. Now my next step will be to file a complaint to the Consumers Financial Protection Bureau and the FL Attorneys General’s Office. 2nd: I had done the research study for $250 in November and completed it. Still waiting on my money for doing it. I have talked to support multiple times and they have verified it was completed that it will be on my card next day but doesn’t. I have reached out once more to a different person today hopefully it will be resolved or I will be doing the same filing complaints..Jonhdeere2004Version: 1.199.0

Just Another App Taking Advantage of Poor People Living Paycheck to PaycheckCleo is one of many predatory cash advance apps preying on vulnerable people who need quick funds now and then create an impossible laundry list of rules to re-borrow that money back once taken from your paycheck, and if you use apps like Cleo, you will definitely need to re borrow that money, but you will be outraged to see, if you borrow a larger amount they no problem taking your money out of your bank account all at once to pay them back but force you to wait multiple days to re borrow the original amount. And the only way not pay for ridiculous instant transfer fees (poor tax) is to wait 3-4 business days for it to hit your account. So if you re-borrowed $240 like me, not only can you not immediately request to re borrow the first amount offered, but if I were to wait all the business days and 24 waiting period to borrow the next max amount of $80 at a time to get back the $220 I would not get the full $220 I need to pay my other bills for approx. 10 business days. Do you think people living paycheck to paycheck who need to re borrow money from a cash advance app can afford to wait 10 business days to pay their bills?? Absolutely NOT. Shame on you Cleo for offering cash advances as “assistance” when all it does is charge more and more fees and punishments for heaven forbid not paying them back immediately the same instant you are paid!.Cherrio42Version: 3.25.0

If I could give 0 stars..I’d like to start off by saying that I usually don’t do reviews, but users should be warned. If I could give 0 stars I would. This company is a scam there are better credit builder/advance apps out there so don’t waste your time on this one. On top of them pretty much stealing money from my account due to their “gap” they have (which charged me twice on one month for there sub) all over a credit builder add on I don’t want bc I already have one that works great for me. They wouldn’t refund my money when I don’t use their services at all and still charged me twice. Lastly their customer service reps are trash. Not only do they not read the previous chat (since you have to wait for their response sometimes you’ll get different people answering) they sit there and repeat the same thing over and over and over they still have yet to resolve my issue and it’s been over a month at this point. They said a person in management would get back to me still haven’t even received an email stating that they’re even looking at the issue. It’s a joke. So in turn I have to take different measures to get my money back. For a company that is out to help “credit build” and help with advances they will QUICKLY take your money out of your account and a whole day before it’s even due. Idk how they think they’re helping by stealing but whatever helps Cleo sleep at night I guess.NeemeeeeeVersion: 3.54.0

Approvals and theftI have been using cleao for almost a year now. I didnt really have any issues getting any advance with them even though it never went past $40. Now over the past 2 months i have been trying to get in touch with customer service and all i get is bots with a green dot telling me the same bland non descriptive answers that the bot i had to fight through to get to a “person” told me. Pepper specifically is NOT HELPFUL AT ALL and ignored me asking for a different representative because i have been getting denied for the past 2/3 months even though i have MORE income and now the app is telling me i have more than one account with my information so to wait for chat, pepper ignored that and continued to tell me im not eligible and “she doesnt see” anything about accounts and is still refusing to transfer me over to another rep. If yall just gonna sit and eat membership money up from people after they get used to Cleo and have ZERO explanation or willingness to help the people paying to use this app, its THEFT. If someone is telling you that YOUR OWN SYSTEM is finding suspicious activity that should become the priority but i guess with cleo, your private information doesn’t matter if you’re not eligible for an advance. Pepper needs some training. Immediately told me i wasn’t eligible when i mentioned what the bot said about my information and showed her the screenshot so did she even look into it???.KweenkoacoeVersion: 1.339.0

DON’T DOWNLOAD THIS APPI downloaded this app because I needed a little more money they charged a 6 subscription fee & first time users they say can get 20-70 dollars I wasn’t expecting guaranteed to get 70 but u can imagine how mess’d up they had me when they only offer’d me $20 after I already paid for the $6 subscription, they have it set up to where u haft to pay for the subscription before they determine how much they’ll give u BIG TIME SCAM they could’ve determined my eligibility before I paid for the subscription since they only gave 20 technically I only got 14 cuz of the 6 dollar subscription fee so corny cuz I would never have paid 6 dollars to only get 14 n return, but they take the subscription fee first cuz they know that’s the easiest way to scam people cuz they know if we on this app that we need money, say if 6 million people paid for they subscription fee that means they maid 36 million only from subscription fee & if that ain’t bad enough they even got the 15 dollar subscription fee to so once again if 6 million people paid for the 15 dollar subscription fee they made 90 million only from subscription fees this app is a scam folks & is to be avoided at all cost they don’t really care about helping people only about scamming them, I had to come on here to write this n hopes of helping y’all out if u considered downloading it trust me it’s not worth it & definitely is a low blow on their end!!.DthetrendingbarberVersion: 1.237.0

One of the worst experiences I have ever had with an app.The app started off great and extremely useful for what I was looking for in a budgeting app. I signed up for Cleo+ and even gave them my private information for their new rollout feature to collect interest in their own savings account. I loved this app for 1-2 months and the categories and spending is great. However - I will never recommend this app to anyone purely that their customer support is non existent. I have sent over 12+ email over a *simple* issue linking the Cleo cover that they offer and absolutely no response. I then have sent in 4+ account cancelation/deletion requests over two weeks now and not received one response back. On top of that, my account has not been deleted and is still active despite my numerous deletion attempts. They also refuse to disconnect my bank and banking information. Before you ask, yes I did email support for this and big shock they have not once responded to me. If I could stop myself from ever giving my personal information to this company I would immediately. Especially considering they will not delete my account or private financial information from their app. It’s baffling to me how they have so many great reviews with a non existent customer service team. If I ignored emails at work the way they do I wouldn’t have a job anymore... and they shouldn’t either. Steer clear and do not give them any of your information..EmmaaluluVersion: 1.20.1

Great until you need to withdraw moneyI have been using this app for a year and loved it. I loved that it would automatically save money but the problem with that is that, there may be multiple withdrawals in a single day just from the app going into your Cleo wallet. I once had to withdraw money from my Cleo wallet, was told that it would be deposited into my linked bank account within 3-4 day. It took 6 business days. I started saving more money since becoming pregnant at 3 weeks but my work forced me to go on medical leave at only 10 weeks pregnant. Now that I’m 15 weeks, and I have gone through all the money in my checking account and saving account, I realized that I needed to withdraw what I had in my Cleo wallet but have not been successful. I don’t understand how this is happening. I reached out to customer service and was told to do what I had already been doing multiple times. They told me to go into my wallet, and select “withdraw $amount”. I did that and it didn’t work. They told me to go to the messenger part of the app and type in “Withdraw $amount.” I did that and it also didn’t work. I have counted 13 times that I have attempted. I reached out to customer again and was told that my bank account had been disconnected. I checked and it showed that it was still connected. I clicked the link they sent to go into my accounts and reconnect my bank account. When I did that, it said that my account was already connected. I’ve sent multiple screenshots of my attempts and am still waiting. Once I get my money, I’m deleting the app..NayxwasxhereVersion: 1.57.0

Biggest Scam of 2026 & it’s being marketed everywhere!!!!This app is the biggest scam of all and shame on Apple for allowing them a platform to continue stealing. I downloaded this app back when it had a different look, and it was a drag queen speakingto you not a robot. I opened up a savings account with them and had an automatic withdrawal set up in which they would withdraw $40 from my bank account every 15 days and put it in the card. Well years passed and I forgot about the app existence until I noticed a withdrawal transaction and I remembered, and so I logged into the app again. This time around, I noticed everything in the app has changed, except for the amount of money that I’ve been saving up all these years which was in the $8500dollar range. For the past few months, I’ve been trying to withdraw that money as it’s mine but as soon as I click withdraw, the app has a glitch in which it returns me to the AI manager section of the app. I’ve talked to support which is just another robot responding to me and they keep responding with the same responses telling me that it’s supposed to work and to keep trying and they will figure out a solution and they would contact me later. I’m proceeding to sue this company because there’s no way I’m allowing people to steal $8500 from me absolutely not. They chose the wrong one..Madison SuarezVersion: 3.32.0

WORST CUSTOMER SERVICE OF ALL TIMEAbsolute worst customer service of all time. Have been waiting almost 2 weeks for an answer as to why I’m being charged $250 when the app never sent the advance to my account. Now the app is stating my repayment is late, when I do not have a repayment due at all. Each time I try to get in contact with a customer service rep, the chat bot on the app states it will take 72 hrs max. It’s been 2 week. I’ve emailed Cleo numerous times with no response. I have reached out to their social media team on their IG page, no response. I’ve commented on posts where Cleo has responded to customers. No response. No help number online to call, just an AI chat bot via the app that spits out the same 3 answers over and over again. I honestly did like Cleo before this. Have used it for a few months and it has been really helpful during tough times. Now I do not plan on using the app anymore. Considering how many other people are commenting on their IG asking for help, this is absolutely ridiculous. Especially for an app that asks for tips at the end of your cash advance withdrawal 🤣. Do not promise a response in 72 hrs from a human if you can’t live up to it. This is the main reason AI cannot completely take over. A chat bot cannot solve this simple problem I am having, but a human probably can in 2-3 minutes. Get it together Cleo..Nick FalsoVersion: 1.293.0

Atrocious appTL;DR: This app is a black hole, if you use it, you’ll lose your money and your sanity. I initially invested money into this app a few years ago and promptly forgot about it. Last month I received a letter from the bank behind Cleo, Dwolla, stating that I had unclaimed property with them and that they were going to turn it over to the state treasury office by the end of last month if I didn’t do anything. I spent weeks trying to access my funds in the app. I was able to remove my old closed bank account and add my new one but transferring my money out just kept giving me errors. The only way to do anything in this app is by speaking with the chat bot. Unfortunately it’s not programmed well at all. It doesn’t know how to handle issues and it’s next to impossible to get it to connect you to a human. You type “help” and then it gives you a series of limited options to choose from which do not help and do not connect you to help. It just sends you in circles until you give up. I called Dwolla and left 2 voicemails asking for help that went ignored. I finally was able to reach someone at Dwolla via email and they told me they “can’t speak to Cleo’s interface” and that only had access to my old closed bank account, not the one I had added to the Cleo app. How is there no one available to help with this app?? I also want to mention that Dwolla did not turn my funds over to the state last month when they stated they would. The state treasury is much easier to work with. The person emailing me from Dwolla tells me they are sending me a check with my money. I hope they are. Don’t put your money in this app, it’s a nightmare to get it out..Aly007Version: 1.356.0

Cleo is late.. periodWhether it’s deposits hitting my account, or Cleo canceling savings transfers from my checking account, she’s always a day late. I’m notified at minimum 12 hours after a deposit hits (usually 24 hours later). She sets an amount to transfer from checking into cleos savings wallet, and cancels it the next day because I’ve spent money. Of course I’ve spent money, it’s my checking account! Even when I have Cleo set up to round up my dollar for every card purchase I make, it isn’t instant. It is set for the following day, and she cancels these too when too much money is spent. I pay for the membership which I’m now canceling. For a (very small might I add) salary advance, it takes seven days to do another one. They call this a cool off period. However, on the 6th day after you pay your advance back, Cleo tells you to check back later that day if you want another advance... however I’d you paid Cleo back at 6 am, you really can’t get another salary advance the day she is telling you to check back. Her days are registering as hours to her.. you have to wait 24 more hours until 6 am the next FAU to get the advance. I know this is a lot of information, but people like this app for what reason?? She’s 24 hours behind with absolutely EVERYTHING that goes on in your checking account. I’ll be cancelling and deleting the app. 0 stars if I could.Cory/jacki oVersion: 1.73.0

Do NOT get this appI strongly advise against downloading this app especially if you don’t plan to use it a lot, you will not get the full services of the app and will have to pay a $5.99 subscription fee for the full services and if you don’t cancel the subscription within the first 7 days of signing up you will not get a refund and will be told by customer service there’s nothing they can do and it’s company policy to not give you a refund for a charge that you might want back when you want to cancel it out of those 7 days and it doesn’t matter if you forgot to cancel it and 7 days have passed and the charge was accidental you still will be told there’s nothing they can do, you will receive no notification or warning that an upcoming bill from Cleo for the subscription is coming up until it’s too late and it’s taken out of your bank account, and even then when it comes to the $100 spot or loan that comes with the full services when your pretty low on money and you want to prevent your account from going into overdraft it’s a chance you may not qualify for it. All in all it’s the most terrible experience especially when the customer service takes days until they finally respond and even then it’s not helpful and just repetitive of what they say and they won’t fully talk to you or try to work something out..AO_99Version: 1.30.1

DON’T DO ITThis app/card starts out great and the longer you use it the more you find out just how user unfriendly it is. Everything on this app is based around cutting spending habits, meanwhile my intent was to use this for all my miscellaneous stuff so I didn’t have to worry about random subscriptions coming out of my regular bank account. These people really want you to deposit your ENTIRE PAYCHECK onto a card that you can’t transfer money from AND I can’t even take the full balance out from an ATM even though THE ONLY MONEY ON THE CARD IS MONEY I DEPOSITED. DON’T GET ME STARTED ON THE CASH ADVANCE. I’ve paid my advances all in full and on time even early at times and at random they’ll decrease my amount and find a new excuse to attribute it to. I hate the hit my credit will take from closing this card but I’ve had enough of Cleo, the app, the card & everything else. This week instead of taking my advance payment from my debit card LIKE ITS BEEN SINCE I OPENED THIS ACCOUNT this week they decided to pull it from my Cleo card so now instead of having my deposit available for its intended use I now have to move money over from my debit card. I despise this app and I intend to keep updating this review until they stop playing with me and my money. Furthermore “Cleo” is an awful “financial analyst” or whatever they claim she’s supposed to be.MsjpollardVersion: 1.350.0

Issue STILL not resolved & keep getting run aroundSo I’ve been using Cleo for a while now and have never EVER had any issues till this last week. And let me tell you, this is really ridiculous. I’ve been going back and forth with the customer service through the app via messaging and it seems not a single person I’ve chatted with knows what’s wrong and no one can fix it. I was told about 7 days ago that a ticket was being submitted for a tech to look at and then a couple days later I was told another ticket was being submitted and here I am still with no resolutions a couple days later. Cleo keeps saying I need to connect my bank when my bank is already connected and they withdrew the amount I owed the same day it said my account wasn’t connected. So I don’t understand why this is till an issue and I just feel I’m being pushed around cause no one knows how to fix this. It’s honestly ridiculous and I’ve never had customer service take this long to get to a resolution. I really really love Cleo and would love to continue to use it but if this keeps happening I don’t see the point in having it. Once the issue is fixed I will gladly rate it 5 stars but at this point it’s not holding up to a 5 star rating.TiffanyC😑Version: 1.85.0

THIS APP WILL CHARGE YOUR ACCOUNT UNAUTHORIZEDCurrently disputing charges that were not authorized. This was after selecting a specific repayment date available when borrowing, and was charged early and in full. Support has been slow and terrible, i have proof the AI model literally lied and confused me on my repayment date as it verified the specific date available which I selected. UPDATE: I’m cancelling because this app was designed by its creators to be deceiving, and increase financial burdens on its customers. they charge you $17 to borrow $30, which is over 50%, then another $6 for the subscription which is another 20%, leading the total for borrowing $30 at $53 which is ridiculously expensive and criminally negligible in the sense that I may be and am going through financial hardships which makes this app and its services a trap for people struggling who just need a small amount of extra cash. I will be giving this company a 1 star review on the App Store, as well as any other rating platform it maybe on in order to alert potential future users from this great scam. I’m extremely disappointed and am mounting means in order to consider taking legal actions as the final charges are leading to further financial hardship and now emotional distress as well..TG4rm702Version: 3.48.0

Not worth itIf I could rate zero stars I really would. Personally for me, it’s not worth it. I had downloaded and signed up to Cleo in an emergency in the hopes of getting a cash advance like it advertises. I’m not too sure if the app offers other features since I didn’t bother navigating through it after how disappointed I was. First off, to even be qualified for a cash advance Cleo charges you for a subscription of $5.99/month that charges you FIRST so you can enjoy the perks of 1)cash advance 2)credit score coaching 3)getting cash backs on selected stores. Now I’m not saying that’s bad to offer but credit karma offers all things credit score 101 and getting cash back at stores you can do with just about any other credit card etc. anyway I digress..seeing as to that’s not what I was looking for those benefits were pointless to me other than the cash advance. So if you’re in an emergency, with no money, $5.99 is already a reach. Upon agreeing to subscription you get to see what you qualify for your cash advance. I got qualified for $20. Yay!! If you can’t tell.. sarcasm! So in order to get these $20 dollars transferred to my bank it’s, of course, going to charge for a transfer fee of $3.99. I took screenshots of all of this but unfortunate can’t post it on here. Getting qualified for only $20 on top of already being charged with $5.99 plus $3.99 for a transfer fee just seemed ridiculous to me. Anyway, you might qualify for something entirely different and you may like this app but for me this was a hard no. I ended up declining the offer and writing to customer support to have my $5.99 refunded as soon I declined offer. (Cash was refunded btw).Jess0987765321Version: 1.207.0

ScamHonestly this is a whole scam, they make you pay for a subscription before you can even see how much of a cash advance you qualify for . I gave all my info and even paid for the subscription with my debit card, once the payout screen came it told me to re enter my debit card and I did only for it to tell me they don’t support my bank???? That makes 0 sense when they took the money directly from my account!! On top of that, you have to pay $4 just to have the $ sent to your debit card otherwise you have to wait FOUR working days to have it deposited into your account. I called customer support and the phone literally just rings, it says online if you don’t pay for an ANNUAL subscription then you have to pay for support over the phone ??? It makes no sense at all honestly they genuinely just want your money, not sure why anyone would be on with doing something like this to ppl that are in need of money but it’s really messed up’.. Now I have to wait 5 days before calling my bank and telling them the $5.99 transaction was completely fraudulent. If you can, please stay away from this app and save yourself some time and money. I wasted $5 that I needed as part of my rent money now I need that plus the money I was intending to borrow, waste of time, a. complete scam..KiyahcVersion: 1.152.0

Should be named hoops for all they make customers jump throughHonestly, people are much better off exploring other options like Albert, Brigit, or Dave. Those apps are way less of a headache, their customer support is actually helpful, and they aren't nearly as strict with lending. It’s frustrating because we’re only talking about small cash advances anyway, yet this app makes you jump through hoops just to get approved, all while charging subscription fees. So what you get you basically pay them much more in the end. No refund in any case outside the 30 day window after subscription. I remember when I first signed up I had to wait an eternity to get approved because they took that long to process my work pay stubs/ any document they requested that I provided to prove my employment, only to show up as error that’s out of my control. I was employed! I gave what they asked! I gave up and deleted the app. They continued to charge me subscription fees i can only cancel through the app for a WHOLE YEAR for service they NEVER provided. To cap this all, talking to customer support feels like dealing with a heartless bot, as if you’re the broken system and not them. Save yourself the trouble and go elsewhere. My recs are given above? They’re great and will be much more worth your while..SNDTreviewVersion: 3.38.0

Total ScamSo I used this app once for a very small cash advance. Like $25. I decided I no longer really have any use for this app and they charge a monthly fee of $5.99 so just really not worth it. So roll around to I’m just outside the 30 day cancellation and I paid for the first month. The second month came about over the weekend and it’s only just pending so I reached out and requested a refund for the $5.99 and they stated it’s outside of the 30 days. I counted and it’s literally one day over. They stated that I could cancel and use their “other services” which is an AI chatbot which what am I going to use that for, but if I cancelled I wouldn’t even be able to get another small advance because I cancelled and even though they won’t refund the money I still won’t be able to use the features. The positive reviews on here are totally fake. If you read enough of them you’ll see the pattern of the wording and I’d also tell you look at reviews outside of the App Store. I’ll be disputing the charges with my bank but I would just say don’t use this app at all unless you want to be charged fees on top of fees and if you cancel after you’ve been charged you can’t even use the app for the rest of the time even though they’ve charged you. It’s a total scam..Starsfan7Version: 2.3.0

DO NOT USE THIS APP!!!!!!If you had asked me a week ago, I would encouraged using Cleo. They offer a cash advance service that is super helpful in a pinch. I’ve used it for a while now, and never had any issues until now. They give you the option to extend your repayment date, which is something I opted to do with my current cash advance. However, even though I extended my repayment date by a week, they still deducted $20 from my bank account. My LAST $20. My grocery money. The AI system was super unhelpful, and it’s like pulling teeth trying to connect with an actual human being. But when I finally did, I was still sent in circles and given the same exact regurgitated answers to everything I said. Zero assistance, and not helpful at all. The person I spoke with, “Jordan”, albeit kind, did not give me any help and continued to state the same exact thing. He claimed that my repayment balance was down $20, and that the remainder should be reflected. It is not. The balance is still the same amount, even after the $20 was wrongfully taken from me, meaning there’s a chance I’ll STILL have to repay the FULL amount on my due date in a week. Their fees have also gotten incredibly high, and they are not consistent with the amounts they offer. DO NOT USE CLEO!!!!!!!!!!!.MuffinatorrrVersion: 3.11.0

Is Not an Honest App. BewareCleo does NOT seem like an honest app. I only downloaded as there were some reviews that seemed positive. However, I quickly tried to cancel but it is not easy to do and you cannot erase your banking information or debit card number. There info seems very misleading. They make it seem like you can receive a loan of up to $100. However that is not the case for everyone. The part that seems like a scam is that they will charge you $5.99 BEFORE they tell you how much they are willing to loan you. They should allow people to make the decision that is right for them and proceed if they want. Instead they create a hardship for people by then having to go through the hassle of canceling. I was only offered $30 max and so I would never have signed up and paid the $5.99 had I known that. To me, this is a scam move. Let people know how much you are offering BEFORE having them pay your $5.99 fee. It’s not ethical that that is their business plan. Also they have no customer service. And I could not easily find a contact phone for them on Google. When I tried to ask the chat line to speak with customer service they were not responsive. There are other apps to choose from. I recommend avoiding CLEO..Hudabuda12Version: 1.179.0

False advertisementYou have to pay a monthly fee to borrow money. On top of that, they don’t allow you to borrow what they promise. They say you can borrow up to $100 right? Well the max I see is $70. Also, they keep lowering the amount you can borrow each time. First time I borrowed $45. Second time was $35. Now this time it’s allowing me to borrow up to $20 dollars? That’s ridiculous and unprofessional. Cleo calculates your spending wrong. Their customer service is ridiculous and unprofessional. They take a very long time to respond back to your concerns (if they even look at them that way). The whole point of the app is to get people to not have to borrow money, to help people that way. But then what’s the whole point of loaning out the money then? There’s other apps out there that can help you learn how to budget. Plus, there’s other apps that I found out about that actually let you borrow what they advertise. And you don’t have to wait days to reloan. Apps like Dave, Moneylion, Earnin, Bridget and Klover. AND you don’t have to pay a monthly fee. They’re scamming people out of their money. It’s a scam. Just read my review. It’s a scam. What I wrote in this review is not a lie. They keep lowering the amount I can borrow. And it’s dumb. They don’t want to help people. They want to keep lowering the amount you can borrow and scam people out of their money. I might just borrow the money and change banks after and scam THEM out of their money. Take me to court. I’d love to have a back and forth on this in court. Resolve the issue you guys. Your app is ridiculous, false advertisement and your customer service is unprofessional. I’m reporting you guys to the BBB..JosephanthnyVersion: 1.72.1

Bye Cleo!I found this app through a social media influencer (first mistake) and thought it looked both interesting and useful. It was, for about a day, then it became the app I most hated, taking up space on my phone until I finally deleted it. What happened? Cleo happened. The voice this app adopts is... obnoxious. It’s combative, and not in a good or helpful way. You know that mean girl who sits behind you in art history who clearly feels superior to you and always has an opinion, especially about you? That’s Cleo. Cleo is also your mom when you were a teenager trying to sneak back into the house at 4 AM. It’s a weird voice to take for an app that’s supposed to be helping us, not (constantly) chiding us, but Cleo seems to think this tone may stir some people into better managing their finances. It doesn’t. It makes us abhor the app instead, so much that every time I saw a message come in from this app, I instinctively swatted it away. Also, you need to pay a subscription (of course *eye roll*) to use some of the app’s more advanced features. If you refuse to, which I did, you basically have a snarky byatch in your pocket providing the most basic account management functions which anyone of us can perform on our own sans the added lip service. I’ll take that, thanks. Bye Cleo!.Diab0liqueVersion: 1.21.0

Seems like ALL bots working, no humans!I first tried this app when I first saw an ad on IG about this app doing small loans, and since I needed some extra bucks, I decided to give it a try. However, I was dumb enough to not check the reviews first. They only approved me for $30, and mind you, my bank account was already almost empty as is because I’m low income and it’s the holiday season currently. So even with a small $30, I can’t pay back right away until my next paycheck comes on the 1st. However, when they lended me the money, they only gave like a week or 2 until repayment, whereas usually loans give you a full month until repayment. They deposited on Nov 26th and was originally expecting repayment already as of Dec 6th. Yes, I got an extension, but the max they allow is 2 weeks repayment extension, and that still doesn’t give enough time until my next paycheck comes around the 1st of next month. I then tried to reach a human through contact support, but each time I request “agent”, the dumb chat bot on their app just always takes me around in circles instead of connecting to a human! Yes, I know the app is called “Cleo AI”, but I didn’t think it would be ALL AI! I thought they would still have human developers of SOME SORT! So overall, I still might not be able to repay on time because the AI bots won’t give enough time, and they can reduce my eligibility for a future loan for not repaying on time all they want because after I do eventually repay when my next check comes, I’m deleting this app because I don’t want to be financing with an app that is nothing BUT bots and no people working ever again anyway! I hope eventually they improve to include humans, but until then, I wouldn’t be using this app for a loan anymore!.Chanelly664Version: 1.335.0

Bugs and Subscription Scams!The app is only useful if you have the same payment method forever. Change banks, card expires and gets replaced, literally anything? Oh, it’s a “bug”! Can’t add or update payment methods! And that credit card they offer is a scam. Another “bug” in their system sends it to you with the wrong name on it, or never sends it at all, or won’t let you deposit the money but it’ll keep harassing you to do it anyway, and all those payment methods you “couldn’t add”? Oh, they have access to them now even though you can’t use them in the app! They’ll take that subscription payment from one of the other no matter how many times you reach out to their “customer service” about not being able to use the services! AVOID THIS APP! It was cool when it was young. It’s become something else entirely over the years! Even the free services, like tracking your spending, etc, have become so buggy that it’s useless now. It just gets your bills confused and asks what your rent payment was for every single month, chastises you for buying gas to go to work while it praises you for buying alcohol, etc. And the only way to win anything is to post your personal spending on social media! Useless….Melly_BellyVersion: 1.204.0

Liked at first but very disappointedI loved this app at first because it allowed me to get an advance and then 24 hours later get a second one. Well recently I decided to use my money I had to pay off an advance early hoping it would offer more. Well, it def offered more. However, at first I would request it and it would off $0 of that $340 amount it was offering me. Then it would say I need to connect my income account (which it already was connected) so I’d reconnect it and it would say $undef. Well now, I try and “add” the 340 and says it’s looking into it bla bla then I get a white screen. This offer expires in 2 days and I’ve uninstalled and reinstalled the app many times, I’ve installed it on another phone, I’ve reached out to customer service who keeps telling me it’s my card and my card needs to be removed for it to work. Not sure how that will fix a white screen but whatever. They then said they would submit a ticket. I’ve heard nothing. I’m really irritated. There’s got to be another way to accept this offer without this stupid app. I’m very frustrated. Never ever had a problem until now. I’ve taken screen shots and screen recorded and sent it to them and nothing..Frustrated 100% and then someVersion: 1.330.0

Terrible DO NOT USE!!!First of the “customer service” team is clearly unqualified, every time you speak with them you will be given scripted responses as if you are still talking to a bot. When I spoke with customer service I was told that my account was flagged and blocked for “suspicious activity”. I have never used the app in this way and have followed all the terms abs conditions I agreed to when signing up. I reached out to customer service about this over a year ago and was told that the case would be escalated….I never heard anything back. So after a year went by I reached out to them again three months later and was told the same thing. Still no resolution or response notifying me of the case. Three more months go by and I reach out to them again. They tell me that the case will be escalated. Then I finally receive a response from an apparent supervisor simply stating that my account will continue to be blocked for conduct purposes. Was this elaborated or explained to me? Absolutely not. Just a simple scripted message to tell me basically that Cleo doesn’t care enough to look into it and really doesn’t value their customers. Mind you the first four months of this blocking I was still being charged for their service. But on top of that you’re going to accuse me of something that is clearly an error and then act self righteous about it when I reach out to you?? Not to mention that there is no way to speak to someone over the phone, chat is the only way to contact them and they will get back to you when they feel like it. Also, no one in customer service has the power to do anything, I asked for a supervisor and was told that “they will just tell you the same thing”. So you don’t have a superior that has the ability to make things right with their customers?? What a joke..Blakub11Version: 1.347.0

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