I paid Cleo AI subscription and instant fees but never got the advance I was promised. What did the FTC say?
The FTC alleged that Cleo advertised cash advances of "hundreds of dollars" that almost no users received, charged hidden fees for same-day or instant advances that often did not arrive until the next day, and made it hard to cancel subscriptions. The refunds go to customers who paid for eligible instant cash advances.
What to do now
- Keep app receipts for subscription and instant-transfer fees.
- If you were not included but believe you should be, contact the refund administrator.
Who owns the resolution
FTC and refund administrator.
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
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: I paid Cleo AI subscription and instant fees but never got the advance I was promised. What did the FTC say? Useful context I found: The FTC alleged that Cleo advertised cash advances of "hundreds of dollars" that almost no users received, charged hidden fees for same-day or instant advances that often did not arrive until the next day, and made it hard to cancel subscriptions. The refunds go to customers who paid for eligible instant cash advances. 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
These are the FTC allegations summarized in its October 8, 2026 release; Cleo agreed to a $17 million settlement in 2025. The release ties refunds to payment for eligible instant cash advances and does not say every subscription fee is refunded.
- 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.