Cleo Reviews: Complaints & Concerns

Positive

3%

Negative

97%

Many users complain about difficulties in canceling their subscriptions with Cleo, often citing unauthorized charges even after cancellation attempts. There are frequent reports of being charged multiple times for the subscription fee, with some users unable to secure refunds. The process to cancel seems frustrating, with users expressing dissatisfaction over unresponsive customer service and a lack of real human interaction. The sentiment is overwhelmingly negative, with users feeling trapped and misled by the service.

App reviews talking about Subscription Cancellation:

"...Repeatedly took a $5.99 'payment' from my account for cleo plus 3 different times in 2 days and then refused to refund any of it..."

"...I canceled my subscription and they still took money out account and refused to refund it..."

"...they make it easy to install and get your banks info..but when you cancel the subscription they keep taking money from your account..."

Positive

10%

Negative

90%

Many users express frustration with Cleo's advertising practices, feeling misled by promises that don't match their experiences. Common complaints include being offered lower cash advances than advertised, unexpected subscription fees, and challenges in receiving promised referral bonuses. Users also report feeling pressured by the app's AI and receiving unclear or unhelpful responses from customer support. Overall, the sentiment is negative, with users feeling deceived and dissatisfied with the app's transparency.

App reviews talking about Advertising Accuracy:

"...to get an advance you have to subscribe...'FREE ADVANCE'. not mad you have to pay for a subscription but don’t make it seem like something it’s not."

"...Cleo promised me an advance and got me to provide my credit card information as part of the process. After going through all the steps, it ended up denying me without explanation..."

"...sign up for their builder account and it writingnit sates $150-$180 advance for first time customers, only to offer $30 advance..."

Positive

11%

Negative

89%

Many users express frustration with Cleo's subscription model, which requires a monthly fee to access cash advances. Several reviews highlight dissatisfaction with being charged for a subscription before knowing if they qualify for an advance, and some users report being charged multiple times or without receiving the promised services. There are complaints about the additional fees on top of the subscription, making the service costly compared to competitors. While a few users find the subscription worthwhile for the financial insights and ease of use, the overall sentiment is negative, with many feeling misled or scammed by the app's pricing structure.

App reviews talking about Subscription Model:

"...have to subscribe without even knowing how much you qualify for..."

"...they took 5.99 out of my bank account for cleo plus when I don't have cleo plus..."

"...requires an upfront subscription..."

Positive

24%

Negative

76%

Many users express frustration with Cleo's bank compatibility, highlighting issues with linking bank accounts and debit cards. Several reviews mention repeated attempts to connect their accounts, only to face persistent error messages or disconnections. Users also report difficulties in updating bank information or adding new cards, which is particularly problematic when their original card is compromised or outdated. The sentiment is overwhelmingly negative, with users feeling let down by the app's inability to reliably connect with their financial institutions, leaving them unable to access cash advances or manage their finances effectively.

App reviews talking about Bank Compatibility:

"...it won't connect to my back, so I uploaded proof of my income and it still doesn't work..."

"...your app won't accept any of my debit cards for an advance..."

"...app won't stay connected to bank account, can't get any help."

Positive

24%

Negative

76%

High fees are a common complaint among Cleo users, with many expressing frustration over the costs associated with cash advances. Users report being charged multiple fees, including a monthly subscription fee and additional charges for each advance, which can add up quickly. Some users feel misled by the app's promises, as they often receive lower advance amounts than expected, and the advance is sometimes split into two parts, each incurring its own fee. There are also complaints about unauthorized charges and difficulties in obtaining refunds. Overall, the sentiment is negative, with many users feeling that the costs outweigh the benefits.

App reviews talking about Fees & Costs:

"...you charged 14.00 to borrow 30.00 and took it Fives days before the date we agreed..."

"...you have to foot $6 up front . that's the downside..."

"...they want you to pay the membership fee upfront and pay the fee when you take the money out and another fee for when you are paying off the loan..."

Positive

23%

Negative

77%

Many users complain about the Cleo app's stability, citing frequent crashes, glitches, and errors that prevent them from accessing features or completing transactions. Users report issues such as the app freezing, failing to load, or not opening at all. Some mention that the app indicates eligibility for cash advances but fails to disburse funds, leading to frustration. The sentiment is overwhelmingly negative, with users expressing disappointment over the app's unreliability and the lack of effective customer support to resolve these issues.

App reviews talking about App Stability:

"...app is buggy. took my cash advanced repayment but wont take my subscription fee..."

"...app freezes on my phone and force closes..."

"...app never works always some type of error issue..."

Positive

44%

Negative

56%

Customer support is reported to be a major pain point for Cleo users. Many express frustration over the inability to reach a human representative, as interactions are often limited to AI chatbots that provide repetitive and unhelpful responses. Users frequently mention that the lack of direct human contact makes resolving issues difficult, leading to dissatisfaction and feelings of being trapped in a cycle of automated responses. While some users appreciate the app's humor and efficiency in other areas, the sentiment towards customer support is overwhelmingly negative.

App reviews talking about Customer Support:

"...need to contact customer service and all I get is a bot..."

"...made it nearly impossible to speak to a human..."

"...no way to talk with real person on issues the dang bot can't or will not help with..."

Positive

50%

Negative

50%

The approval process for Cleo's cash advance app receives mixed reviews. Some users appreciate the quick and straightforward approval process, highlighting how the app has been a lifesaver during financial crunches. However, others express frustration over sudden changes in eligibility and approval amounts without clear explanations. Issues such as being approved initially only to face unexpected reductions in advance limits or outright denials later on are common complaints. Additionally, some users report technical glitches that prevent them from accessing their approved funds, while others mention difficulties in verifying their identity. Overall, while many find the app helpful, the unpredictable nature of the approval process can be a significant drawback.

App reviews talking about Approval Process:

"...they approve you at first and get you used to the cycle of repaying and borrowing but then drop your eligibility amount without notice..."

"...Cleo promised me an advance and got me to provide my credit card information as part of the process. After going through all the steps, it ended up denying me without explanation..."

"...Cleo has its ups and downs but I cannot deny its help with my credit score and in cash advances in financially tight times. Only thing I would change is it's AI control which is counter productive and can put you in a bind..."

Positive

68%

Negative

32%

Opinions are mixed when it comes to Cleo's cash advance feature. Many users appreciate the app for providing quick and easy access to small cash advances, which can be a lifesaver in tight financial situations. They note that the app often increases the advance limit over time as long as payments are made on time. However, several users express frustration over the inconsistency of loan amounts, with some reporting sudden reductions in their available credit despite maintaining good repayment habits. Others mention issues with the app's AI, which can be unresponsive or misleading, leading to confusion about available funds. While some users find the service helpful, others feel let down by unexpected changes in their borrowing limits.

App reviews talking about Loan Amounts:

"...you can pay everything on time, never miss a repayment...and your available amount will inexplicably be a fraction of what it was before..."

"...I was able to get $30 spotted to me. Used it for groceries..."

"...the cash advance keeps going down it is not helpful at all, I always paid them back on time..."

Positive

75%

Negative

25%

Opinions on Cleo's repayment terms are mixed. Many users appreciate the flexibility in choosing repayment dates and find the process straightforward, which helps them manage their finances effectively. However, some users report issues with repayment, such as being unable to reloan after repayment or facing problems with incorrect repayment dates. While the app is generally praised for its helpfulness in tight situations, a few users express dissatisfaction with misleading terms and repayment-related glitches.

App reviews talking about Repayment Terms:

"...I was able to select my own repayment date which made it easier..."

"...paying back the loan flawed like who doesn't wanna get paid tried many time to pay and reloan still not working..."

"...today is giving me a pay back date of 2 weeks ago even though I'm already paid off..."

Positive

91%

Negative

9%

Users praise Cleo for its fast and hassle-free cash advances, with many highlighting the speed at which funds are deposited into their accounts, often within minutes. The app is appreciated for its simplicity and ease of use, making it a reliable option for those in need of quick financial assistance. Many users express satisfaction with the lack of hidden fees and the straightforward repayment process. However, a few users have experienced delays or issues with receiving their advances, but these seem to be exceptions rather than the norm.

App reviews talking about Funding Speed:

"...loan was in my account in less than 2mins..."

"Fast easy and no hassle to get a cash advance..."

"...money was delivered right on time..."

Positive

94%

Negative

6%

Users praise Cleo for its effective income tracking capabilities, highlighting how the app helps them monitor and manage their spending habits. Many appreciate the app's ability to provide clear insights into their financial activities, making them more aware of their expenditures. The app's AI-driven spend analysis tool is particularly well-received, with users noting its accuracy in presenting their financial data. Cleo's engaging and friendly interface, often described as fun and supportive, adds to the positive experience, making it a favorite for those looking to improve their financial management skills.

App reviews talking about Income Tracking:

"...helps with savings and all love the way it send notifications every time i spend money tracks my money every time..."

"...Cleo has helped me budget and challenged me. The fun app is the only thing that’s helped me save and watch my spending..."

"...helps you manage your income better so you are more responsible with spending"

Positive

97%

Negative

3%

Users praise Cleo for its engaging and educational approach to financial management. The app is lauded for providing insightful spending analyses and personalized financial advice, all while maintaining a fun and interactive experience. Many users appreciate the app's ability to offer a reality check on spending habits, helping them become more financially responsible. Cleo's AI-powered insights and budgeting tools are highlighted as effective in improving users' financial literacy and credit scores. Overall, Cleo is seen as a valuable tool for those looking to better manage their finances in an entertaining way.

App reviews talking about Financial Education:

"...Cleo ai gives you a hard reality check on your spending habits and finances..."

"...I love how it gives me the necessary breakdown of my spending and what area I can do better in financially..."

"...Cleo has patiently monitored and shown nonjudgmental concern for my spending habits..."

Positive

98%

Negative

2%

Users praise Cleo for its effective budgeting tools, highlighting the app's ability to provide insightful spending analysis and personalized financial advice. Many appreciate the app's engaging AI, which combines humor and tough love to keep users accountable for their spending habits. The app's user-friendly interface and seamless integration with bank accounts make it easy for users to track their finances and set savings goals. Overall, Cleo is celebrated for making budgeting both fun and effective, with many users recommending it as a must-have financial tool.

App reviews talking about Budgeting Tools:

"...AI budget is freaking awesome. Worth the fee in itself."

"I love how it gives me the necessary breakdown of my spending..."

"...keeps me in track of saving my money and budgeting"

Positive

98%

Negative

2%

Users praise Cleo for its ease of use, highlighting the app's straightforward and user-friendly interface. Many appreciate how quickly they can access cash advances, often mentioning the fast and hassle-free process. The app's intuitive design and helpful features, such as budgeting tools and financial insights, are frequently commended. Additionally, users enjoy the engaging and humorous interaction with Cleo's chatbot, which makes managing finances less daunting. Overall, the sentiment is overwhelmingly positive, with users recommending Cleo for its simplicity and efficiency.

App reviews talking about Ease of Use:

"...very easy to use app..."

"Easy to use, easy affordable loans, and helps organize your finances..."

"...Cleo is super easy to set up and doesn't leave you hanging!..."

Positive

99%

Negative

1%

Users praise Cleo for its reliability, consistently highlighting how the app is always there when they need it most. Many users express gratitude for the app's ability to provide quick cash advances during financial crunches, often describing it as a lifesaver. The app's ease of use and timely assistance are frequently mentioned, with users appreciating the straightforward process and dependable service. A few users note occasional issues with the app's functionality, but these are generally overshadowed by the overwhelmingly positive experiences shared by the majority.

App reviews talking about Reliability:

"...Cleo is the goat always there when needed..."

"Cleo has been there for me every time I needed it..."

"...Cleo has come through when I mostly needed..."

What do Cleo users complain about?

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Scam reports

Overdraft reports

What users say on other topics

Complaints about Cleo

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