Cleo AI FTC Refund 2026: Check Your Payment Eligibility
The FTC is sending more than $15.8 million to 2,124,796 Cleo AI customers who paid for eligible instant cash advances. Eligible people get an email by October 26, 2026, and PayPal payments start October 27, 2026. You must redeem the PayPal payment within 30 days.
What to do now
- Check the email address on your Cleo account for the FTC refund notice.
- Redeem the PayPal payment within 30 days.
- Questions: refund administrator Rust Consulting, 877-788-4958.
Who owns the resolution
The FTC and its refund administrator determine eligibility from company records.
Evidence to prepare
- Your account email or user ID
- Screenshots or a confirmation number for the specific order/booking/transaction
- Any messages you already exchanged with support about this
Deadline / risk if you wait
PayPal payments begin October 27, 2026 and must be redeemed within 30 days.
Turn this answer into a question about your case
Give another AI the facts it needs—not just “what should I do?”
I need practical help with a Cleo AI (FTC refund) issue. The policy question: Cleo AI FTC Refund 2026: Check Your Payment Eligibility Useful context I found: The FTC is sending more than $15.8 million to 2,124,796 Cleo AI customers who paid for eligible instant cash advances. Eligible people get an email by October 26, 2026, and PayPal payments start October 27, 2026. You must redeem the PayPal payment within 30 days. My specific situation: [Describe what happened, including dates and messages shown] The outcome I want: [Refund, verification, appeal, account recovery, explanation, etc.] Important constraints: [Country, deadline, booking/account status, documents already submitted, budget, or other limits] Please: 1. Identify any missing facts you need before reaching a conclusion. 2. Separate platform policy, local law, and your own inference. 3. Give me the safest next steps in priority order. 4. Use current official sources where possible and flag anything that may have changed. 5. Draft a concise message I can paste to customer support. 6. Do not invent account access, guarantees, refund rights, or legal conclusions.
Why this policy exists
The FTC announced the refunds on October 8, 2026. It alleged Cleo promised fast money and access to "hundreds of dollars" in cash advances that almost no one received, charged extra fees for same-day or instant advances that often arrived the next day, and made subscriptions hard to cancel.
Cleo AI agreed in 2025 to pay $17 million. The FTC release does not state an average payment amount.
- FTC Returns More Than $15.8 Million to Consumers Misled by Cash Advance App Company Cleo AI (Oct 8, 2026) — Federal Trade Commission
Last verified against the sources above on 2026-10-23. Policy and deadlines can change -- use the official support link below for the current rule.
Need to act on your account?
AMS explains the rule but cannot access your account, issue a refund or change a platform decision.