Cleo Reviews Complaints

Positive

4%

Negative

96%

Many users complain about difficulties in canceling their subscriptions with Cleo, often citing unauthorized charges even after they believe they've successfully unsubscribed. A recurring theme is the frustration over continued charges despite attempts to cancel, with some users reporting multiple charges in a single month. The process to cancel seems cumbersome, with users mentioning unresponsive customer service and a lack of direct human support. The sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use and having to resort to blocking payments through their banks.

App reviews talking about Subscription Cancellation:

"...I canceled my subscription and they still charged my card..."

"I unsubscribed to plus months ago and the app continues to charge me..."

"...Won't let me cancel my subscription and cleo keeps trying to take money from me illegally..."

Positive

1%

Negative

99%

Many users express frustration with Cleo's bank compatibility, particularly when it comes to linking accounts and cards. Several reviews mention issues with the app disconnecting from their bank accounts unexpectedly, especially after switching banks or reaching certain thresholds. Users also report difficulties in connecting their main accounts or new cards, often receiving error messages or being stuck in loops with customer service. Some feel that the app prioritizes subscription payments over facilitating cash advances, leading to dissatisfaction. Overall, the sentiment is largely negative, with users feeling let down by the app's bank connectivity features.

App reviews talking about Bank Compatibility:

"...I keep getting the same error “something went wrong please try again later”..."

"I’ve been struggling to connect an account that has consistent income..."

"...it will not let me link my bank card to get an advance but it let me put it for a subscription which makes no sense"

Positive

9%

Negative

91%

Many users express significant concerns about the security and privacy of their personal information with the Cleo app. Common issues include unauthorized access to bank accounts, unexpected withdrawals, and difficulties in canceling services. Users report feeling uneasy about the amount of personal data collected, such as social security numbers and photos, which they find unnecessary for the app's services. There are also complaints about the lack of secure login methods, with some users mentioning that the app only uses email codes for access. Overall, the sentiment is largely negative, with users advising others to be cautious about sharing personal information with Cleo.

App reviews talking about Security & Privacy:

"...they continued to take money out of my account..."

"Stay away from this app it's nothing but a scam..."

"...they want photos of you I don't know why they would want to ask photos..."

Positive

13%

Negative

87%

Many users express dissatisfaction with Cleo's subscription model, describing it as misleading and a scam. They report being charged subscription fees upfront, only to find out they are ineligible for cash advances or that the advances offered are minimal compared to the fees paid. The subscription fees, often $5.99 or higher, are seen as unjustified, especially when additional fees are charged for instant withdrawals. Some users also mention being charged multiple times in a month without receiving the promised services, and difficulties in obtaining refunds. Overall, the sentiment is overwhelmingly negative, with users feeling deceived and frustrated by the subscription requirements and the lack of transparency.

App reviews talking about Subscription Model:

"...I subscribed to builder and lost 15 dollars."

"You will regret it they make you pay 5.99 first then you are not eligible it’s a scam"

"...they rope you into subscriptions that guarantee a loan. IT DOES NOT GIVE YOU A SECOND LOAN."

Positive

13%

Negative

87%

Many users complain about the Cleo app's stability, citing frequent crashes, glitches, and errors that disrupt their experience. A significant number of reviews mention the app closing unexpectedly, freezing, or not allowing users to update their card details. Some users report being unable to access their accounts or complete transactions due to persistent errors, while others express frustration over the app's inability to process withdrawals correctly. Despite some users noting that the app worked well in the past, recent updates seem to have exacerbated these issues, leading to a negative sentiment overall.

App reviews talking about App Stability:

"...app keeps closing when I’m trying to use it. I can’t even get help because it closes before I can type anything."

"The app is glitchy. It doesn’t let you update your card details. It’s constantly freezing..."

"...app won’t stay open past 10 seconds"

Positive

20%

Negative

80%

Many users complain about Cleo's advertising accuracy, with several feeling misled by promises of cash advances and referral bonuses that never materialize. Some users report being told they were eligible for advances, only to be denied after paying for a subscription. Others mention issues with the referral program, where promised bonuses were not delivered despite following the necessary steps. A few users, however, have had positive experiences, receiving advances as advertised. Overall, the sentiment leans negative, with accusations of false advertising and unmet expectations.

App reviews talking about Advertising Accuracy:

"...First I am told that I am eligible for an advance and once I pay for the Cleo Plus subscription I get told that I am ineligible..."

"...They give you all this hype that they can give you $250 in a cash advance then you link your personal bank account with it..."

"...Referral program scam! - I sent a referral to a friend via text and they used that link to create an account..."

Positive

24%

Negative

76%

Customer support is reported to be largely inadequate, with many users expressing frustration over the inability to reach a human representative. The reliance on AI and chatbots is a common complaint, as they often fail to resolve issues or provide meaningful assistance. Users frequently mention being stuck in loops with automated responses, leading to unresolved problems and a lack of accountability. Despite some positive experiences, the overwhelming sentiment is negative, with users feeling ignored and unsupported.

App reviews talking about Customer Support:

"...Horrible “Bot” Service - Can’t connect with anyone but a bot that can’t answer any questions..."

"...Impossible to speak to a human..."

"...chat bot sends you in circles! The absolute worst!!! Will never use!..."

Positive

34%

Negative

66%

High fees are a common complaint among Cleo users, with many expressing frustration over being charged multiple fees for cash advances. Users report paying a subscription fee only to face additional charges for accessing funds, which some feel are excessive compared to the amount borrowed. There are also mentions of being charged before knowing eligibility for an advance, leading to dissatisfaction. However, a few users appreciate the app for its convenience and reasonable rates when they need quick cash, though they acknowledge the fees can add up. Overall, the sentiment leans negative due to perceived overcharging and lack of transparency.

App reviews talking about Fees & Costs:

"...charge you monthly to see your cash advance and when they offer you cash advance the rates are higher than the subscription..."

"Fees add up to what you borrow or more..."

"...some of the fees are a bit high but if you need a bit of cash it's helpful"

Positive

41%

Negative

59%

The approval process for Cleo's cash advance app receives mixed reviews. Some users praise the app for providing advances without a credit check, especially for those with poor credit histories. They appreciate the quick and easy sign-up process and the opportunity to receive funds when needed. However, others express frustration over inconsistent eligibility criteria and unexpected denials despite having good repayment records. Some users report issues with the app's functionality, such as errors during the approval process and unclear reasons for denial. Overall, while some find the app reliable, others feel let down by its unpredictable approval system.

App reviews talking about Approval Process:

"...to be not given an opportunity to borrow, even the smallest amount, to prove you can be trusted, just shows that this app is truly unneeded..."

"I got a $50 advance with no credit check or anything..."

"...Cute app and idea but it is way to random with advance eligibility..."

Positive

50%

Negative

50%

Many users express frustration with Cleo's repayment terms, particularly around the processing of repayments and eligibility for new advances. Several reviews mention issues with repayments being marked as incomplete despite being paid, leading to confusion and potential double payments. Users also report problems with the timing of automatic repayments, which sometimes occur before their paycheck arrives, causing financial strain. On the positive side, some users appreciate the app's simplicity and the ability to borrow small amounts with lower fees, finding it useful in emergencies. However, the overall sentiment leans negative due to these recurring repayment issues.

App reviews talking about Repayment Terms:

"...I paid them back two weeks ago and they’re still 'processing' my repayment..."

"You pay the advance back and sometimes more than once and it still says you haven’t paid it back!"

"...my auto repay hits before my check and it hurts me. That's my biggest complaint."

Positive

47%

Negative

53%

Many users express dissatisfaction with the loan amounts offered by Cleo, often finding them too low or inconsistent. Some users report being eligible for higher amounts only to receive minimal advances, sometimes as low as $5. Others mention that their advance limits decrease over time, even with timely repayments. Despite these complaints, a few users appreciate the quick access to cash and the app's budgeting tools. However, the sentiment leans towards frustration due to the fluctuating and often insufficient loan amounts.

App reviews talking about Loan Amounts:

"...only able to give me an advance of $30 🤣..."

"The advance amount fluctuates too often..."

"...wish I'd get approved for more then 30 dollars but it's a cool app..."

Positive

74%

Negative

26%

Users have mixed feelings about the funding speed of Cleo's cash advance service. Many praise the app for providing quick and easy access to funds, often receiving advances within minutes, which has been a lifesaver in urgent situations. However, some users express frustration over recent changes that have slowed down the process, such as the inability to direct deposit to a debit card, resulting in a 3-4 day wait for funds. This delay can be problematic, especially when the loan is due by the time the money is received. While some users appreciate the fast service and low fees, others have encountered issues with receiving their advances on time, leading to dissatisfaction.

App reviews talking about Funding Speed:

"...you used to be able to direct deposit to your debit card which worked very well when you needed the money right away..."

"Cash advance came through within minutes love it!..."

"...I have been trying to get my advance and it never got to my bank acc..."

Positive

96%

Negative

4%

Users praise Cleo for its ease of use, highlighting its straightforward and user-friendly interface. Many find the app quick and efficient, especially when in need of a cash advance, with several users noting how easy it is to navigate compared to other apps. The app's simplicity in setup and repayment processes is frequently mentioned, making it a preferred choice for those seeking hassle-free financial assistance. However, there is a rare mention of dissatisfaction with the user interface, indicating that while the majority find it smooth and convenient, it may not be perfect for everyone.

App reviews talking about Ease of Use:

"...super easy and I love this app. It has saved me from borrowing money from friends and payday loans when needed..."

"Easy to use compared to other cash advance sites/ apps..."

"...Easy set up for loans and repayments. Awesome, quick and easy!!"

Positive

97%

Negative

3%

Users praise Cleo for its reliability, often highlighting how the app consistently provides cash advances when needed. Many appreciate the app's ability to help them manage financial challenges, especially during tight times before payday. The sentiment is overwhelmingly positive, with users frequently mentioning how Cleo has been a dependable resource in emergencies. A few users note minor issues with outdated information affecting advance consistency, but these concerns are rare compared to the overall satisfaction expressed.

App reviews talking about Reliability:

"...Cleo app is reliable when you need it next day you feel better than the day before."

"Cleo never disappoints you. They are always there when you need them. 💜🫰🏼"

"...Always there with a advance when you need it Cleo is a solid app!"

Positive

100%

Negative

0%

Users praise Cleo for its unique approach to financial education, often highlighting its humorous 'roasts' that provide a fun yet effective reality check on spending habits. Many appreciate the app's ability to offer insights into their finances, helping them to budget better and save more. Cleo's AI-driven advice is frequently mentioned as a standout feature, making financial management engaging and less daunting. However, some users express mixed feelings about the subscription fee, feeling that financial guidance should be free. Overall, the sentiment is positive, with users finding Cleo both entertaining and educational.

App reviews talking about Financial Education:

"...Cleo can roast you and your spending habits. Imagine an app that will tell you about yourself and what you are spending..."

"Cleo is teaching me to budget and makes it fun!! Thanks Cleo!!!"

"...the absolute best part is the fact that he 'roasts' you on your spending habits. Funny and clever..."

Positive

100%

Negative

0%

Users praise Cleo for its engaging and humorous approach to budgeting, often highlighting the app's unique 'roasting' feature that provides a playful yet insightful critique of their spending habits. Many find this feature both entertaining and effective in making them more aware of their financial behaviors. Cleo is appreciated for its ability to make budgeting feel less daunting and more approachable, with several users noting that it has helped them save money and manage their finances better. However, some users mention that while the app is engaging, its budgeting tools could be improved. Overall, the sentiment is positive, with users enjoying the combination of financial management and entertainment.

App reviews talking about Budgeting Tools:

"...Cleo will roast absolutely every single one of you who spends a dollar more than necessary..."

"This app makes you realize just how much money you’ve spent..."

"...Cleo is teaching me to budget and makes it fun!! Thanks Cleo!!!"

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Cleo reviews: complaints & concerns

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