Published by Cleo AI on Nov 1, 2024

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Why should I report an Issue with Cleo AI: Budget & Build Credit?

  1. AppContacter will directly Email your issue/feedback to an apps's customer service once you report an issue and with lots of issues reported, companies will definitely listen to you.
  2. Pulling issues faced by users like you is a good way to draw attention of Cleo AI to your problem using the strength of crowds.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
contact Cleo AI: Budget & Build Credit image 1 contact Cleo AI: Budget & Build Credit image 2

About Cleo AI: Budget & Build Credit

1. The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.

2. The Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible.

3. The Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings.

4. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments.

5. There are no maximum annual percentage rate (APR) as there are no mandatory fees associated Cleo's cash advance.

6. Same day transfers subject to express fees. (2) The interest rate on your account is 3. 66% with an Annual Percentage Yield (APY) of 3. 72%, effective as of 09/19/2024.

7. Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death).

8. Fees may reduce earnings. (3) Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc.

9. Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of.

10. We only offer services in US and when user sets up account with Cleo they select a US state of residence.

11. Access to the Card is subject to approval. (4) Early access to direct deposit funds not guaranteed, timing may vary.

Cleo AI Customer Insights

1. It tracks transactions even when you delete your bank routing and account number and debit card is still some way tracks your spending and your income and will continue to charge you with even when you ask them to cancel.

2. It's a good idea, and I'm not sure if everyone faces a similar problem, but it is almost impossible for me to properly use it.Horrible, haven't been able to complete the signup process.

3. Then I go to repay my piddling advance and it slips back to the old card and of course that one doesn't work.

4. Just get Dave...Can't stay connected to my account, and for their monthly subscription they charge me twice a month.

5. And guess what? I've got the same card issues again..I have had a horrible experience with this app my advice to anyone who is thinking about using it don't.

6. My card expired for my checking account.

7. We'll see what happens next month.Overall the app is ok but about once a week the credit builder card has a bug that won't let you add money to the card.

8. Frustration! I've been using this card for a while and whatever they've done with the recent updates is beyond frustrating.

9. At least they were quick to cancel the plus membership and give me my money back.Was able to borrow $20 when I first started.

10. E a good service but the app is a cluttered mess of visuals that try to look snazzy but instead result in an app that is a complete unusable headache.

11. Garbage! I would not use this app at all! You have to keep paying the cleo plus subscription in order to qualify for the advance.

Steps to Troubleshoot & Fix Cleo AI Issues

1. Fix Cleo AI Not Working/Crashes/Errors/Unresponsive & Black/White screen:


  1. Restart Cleo AI: Restarting the app will resolve most errors.
  2. Update the Cleo AI App. Here is how:
    1. On Android goto PlayStore » Search for "Cleo AI" » Open Cleo AI: Budget & Build Credit » click "Update".
    2. On iPhone, goto AppStore » Your profile » Available Updates » Check for Cleo AI » click "UPDATE".
  3. Clear Cleo AI: Budget & Build Credit app cache: Clearing cached data will force your app to retrieve the latest data directly from Cleo AI servers.
    1. On Android, goto Settings » Apps » Select "Cleo AI: Budget & Build Credit" » click Storage » click "Clear Cache".
  4. Check Cleo AI app permissions. If any of these permissions required to use your device's features are disenabled, Cleo AI might not work.
  5. Uninstall and reinstall Cleo AI. If nothing else has worked, completely uninstall Cleo AI then reinstall.
  6. Restart your device. Last, restarting your device can often clear most problems causing Cleo AI not working


2. Fix Cleo AI Server issues & Internet Connection


  1. Check network connection: An unstable Internet will make Cleo AI be unable to connect to it's servers. Ensure your wi-fi is working then restart app.
  2. Disable VPN: VPN can cause connection errors and lead to Cleo AI not working. Make sure all VPNs are off
  3. Enable background data: When Background data is turned off, Cleo AI may not be able to connect to the Internet when running in the background.

Reported Issues

Note: Issues displayed have already been sent to the developer and are older than 7 days.

  • I was charged $259 yesterday to repay a july $100 advance. I should have been charged $108.99. I would like the money that u overcharged me returned ASAP. You had no right to do that

    — by Denni Stephens 4 months ago

  • I’ve been trying to sign back in and I haven’t received the code and I’ve been at this for hours now

    — by Lawrence Proctor 1 year ago

  • Why tf my account is not allowing advance? Ya'll already got paid

    — by Larry York 1 year ago

  • I don’t understand why I was charged for the Plus subscription I haven’t had the app downloaded for months I had to reinstall it to cancel it and it messed my account up when you guys did that and I don’t understand why you guys have a talk to human option when we can’t even talk to a human only another robot and only lets us pick from prompts and not say what our actual problem is actually makes it more frustrating because we can’t, so I want to make sure I’m going to get refunded because this is ridiculous and shouldn’t have happened anyway and now my account it’s fucked because of it.

    — by Jacob 1 year ago

  • I cannot update my banking or Gmail address..and made me create another account in which I had to start over with my advance and I had just paid it back

    — by Nakeshia Wilson 2 years ago

  • I borrowed the initial $20 and have paid it back. I’ve joined credit builder and have tried to advance Cleo says up to $70. When I do she oks me through the 4 steps then when it says how much you need there’s nothing there. Also my Capital One account has been linked but it says she’s looking for a ACH approved account??? My Cap One account is ACH approved.

    — by Cory Haynes 2 years ago

  • I was charged 5.99 when I already canceled my subscription in the app.

    — by Mickenley Felix 2 years ago

  • I was charged 5.99 when I already canceled my subscription in the app.

    — by Mickenley Felix 2 years ago

  • I recently got a new debit card and it will not let me update my card in the advance or borrow session it will let me update it and the subscription payment can you please help me with this thank you

    — by Cynthia D Boala 2 years ago

  • I had Cleo Plus and was able to borrow and repay $20. I signed up for builder just to be able to borrow $100. My limit stayed at $20. If they hadn't said you will get $100, or that there is no guarantee, I would have just kept Cleo Plus. So I upgraded and paid an extra $14 for nothing. I think 1 of these 2 things seem fair;

    1. Refund the builder charge ($14) and limit me to $20, or keep me on the builder and let me borrow $100 like it said. That's the only reason I ever upgraded to builder. Plus has everything I need except for the low limit. Thank you.

    — by Kimberly Frantz 2 years ago

  • I linked my bank and Cleo won't open

    — by James millican 2 years ago

  • Please cancel Lu Cleo account. The name is David watts, I don’t know how to get my account number. My email is dwatts100@redacted

    — by David watts 2 years ago

  • I have tried to reach a live representative for weeks now. The few times I speak to one I get a response unrelated to my actual complaint and questions. When I tell the representative this they simply do not reply. Cleo lied. The automated help bot would not allow me to unsubscribe and told me I have to pay my $20 outstanding loan amount before they will let me. This is not true. I read their entire Terms and Conditions. Nowhere does it mention that I am required to repay prior to unsubscribing. I tell them this and ask for a copy of the section of their T&Cs where it says I must repay to cancel account and they refuse to acknowledge and refuse to send me where it says I have to repay to unsubscribe. They are continuing to charge my account without my permission. I cannot even get a new debit card because they are charging by debiting my direct account #. This is illegal. I signed a legally binding contract with them that states in order to unsubscribe I just need to go in the app and select the option. They are breaking this contract by not allowing me to unsubscribe. I have reported to my states Attorney General, I am filing a BBB complaint, AND I am calling the FDIC to report a complaint as well. Those of you who Are victims of Cleo's fraud, whether they stole your money, don't let you unsubscribe, are charging your account without your permission, won't issue a refund, etc. You HAVE options. Cleo AI is owned by Web Bank. Web Bank is a member of the FDIC. Call the FDIC and file a formal complaint because Cleo IS subject to their rules and regulations.

    — by Mallory Krause 2 years ago

  • Please cancel my Cleo Plus subscription. My email is davidraphael624@redacted, my phone is +19178259628 and my name is David Werner. If you try to tell me that you're going to keep charging me $9.99 a month until I pay back $30 I will call a lawyer. You charge me $10 a month plus interest on the loan to borrow $30 from your app every 2 weeks and I'm done with this racket. There are credit cards for people with bad credit that are less predatory than your app. If your email response isn't a direct yes saying I will no longer be charged, you can expect a cease and desist. Thank you.

    — by David Werner 2 years ago

  • I can’t get my email verified. I have not received any email

    — by Patty 2 years ago

  • I didn’t get an advance and I no longer need the app

    — by Karilyn Reyes 2 years ago

  • I cannot access my account and I’m still being charged for having the app. I am trying to log in but having trouble . I need assistance urgently

    — by Kevin Johnson 2 years ago

  • Hi I’m trying to get a salary advance

    — by Phillip N Teplitz 2 years ago

  • I am trying to get an advance when it asks for my info. I enter my mobile # so I can receive a verification code, and the app says "that number doesn't work". It's my normal daily mobile number. I need this issue resolved asap so I can get the advance. Thanks.

    — by Gary Schonmann 3 years ago

  • Nov 5th 13.99 unauthorized charge
    Oct 29th 13.99 unauthorized
    Oct 22th 13.99 unauthorized
    Oct 21th 13.99 unauthorized
    Sept 21 13.99 unauthorized
    Aug 21 10.00 unauthorized
    Aug 21 13.54 unauthorized
    July 30 5.99 unauthorized
    July 12 5.99 unauthorized
    I have been trying to resolve this issue for several months these were charged to my cash app account without me authorizing

    8655 exp 11/26 42410

    — by Victoria tidwell 3 years ago

  • I have borrowed several times and pay back without issue my daughter tried to borrow she has her own income but we do have a joint account she was denied because if being a joint account I have also been locked out now however you charge just both a monthly fee 2 weeks ago and just charged another monthly fee today I want the monthly fees returned ASAP

    — by DONNA M MASUCCI 3 years ago

  • Customer service keeps pushing my issue aside and not resolving my problem. I don't have any access to my money and it's been days turning to weeks and I've haven't been helped. I paid my subscription and I'm losing hope..

    — by Shantal Cardenas 3 years ago

  • You shall I have another account and I don't I want my refund back in my account for the Cleo plus effective immediately

    — by Michelle Lee Lail 3 years ago

  • I want to cancel subscription from Cleo plus. I never received help from you’ll so you dnt need to be charging someone that been cancelled. Cancel it now!!!

    — by Shana Martin 3 years ago

  • Took money from my account for subscription but nothing works try to get back in and it wants me to put in bank info and it doesn't work when it already worked once and took the money out

    — by Jason Jackson 3 years ago

  • And that is after the lady refunded me my money and said that I did not have a monthly payment and not to mention I've added more money onto the clear credit builder card which says I had $307 on the card

    — by Jesse abney 3 years ago

  • Okay I've been lied to by Cleo credit builder app and by the employees that work there and the last statement they made was if I pay the $14.99 monthly subscription that my card would automatically be activated and I can prove and verify this

    — by Jesse abney 3 years ago

  • I want to terminate my credit builder card and i want my 40 dollars refunded back to my account. I dont lile the card.

    — by Shontel M Chandler-Simon 3 years ago

  • I am getting very fustrated with the lack and delayed responses.

    Cleo has my money in my wallet hostage. Each time I tried to withdraw it says my bank needs to reconnect but in fact is connected. I tried deleting it and adding it, connecting once again but each time I tried to withdraw it claims is not connected. I tried to make a test deposit of 1.00 dollar and of course that worked perfectly so it is connected to take my money but somehow disconnected to give it back. I tried chatting with them on their (human) help desk, and Michael said she would escalate. No words for 24 hours, then I get a message from Isak asking for my last for digits of the bank account, info provided and again no response, Mean while I have over $600 dollars trapped in Cleo’s wallet and they are not helping to get this resolved! They basically have my money hostage! I need help

    — by Rolando Conde 3 years ago

  • i was told to link my bank account to cleo i linked two bank accounts and neither is showing up and its still asking me to link a bank account my cleo account is the same email as i am using here

    — by Raymond G Hopkins 3 years ago

  • I cannot log into my account. I found an old account email - musculartransitions@redacted. It has my bank information and I cannnot delete that account. I pay for Cleo Plus on rscherich90@redacted. I cannot connect my bank account.

    — by Russell Scherich 3 years ago

  • Cleo keeps freezing when trying to add bank account information. I cannot get my information set up.

    — by Kimberly triola 3 years ago

  • Hello, this morning I attempted to withdraw the money Cleo had taken out of my account. The app on my phone continuously crashed and won't allow me to navigate or even open it. I tried to complete this withdrawal via my desktop, but I had to unlink my bank account as it was telling me there was an error and I needed to re-confirm. Now it won't let me link my account at all, it keeps telling me the account is already linked but I cannot access it. I've tried three times.

    — by Teigan 3 years ago

  • Repayment was taken from account ending in 1841 which was supposed to be unlinked along with the debit card. It was SUPPOSED to come from account ending in 0741. I need that money replaced in 1841 ASAP for my gas bill. It's WINTER! I've repeatedly emailed and can find zero working phone numbers for you. If this money isn't replace in the correct account I will be cancelling and leaving negative reviews everywhere I possibly can

    — by Desiree Lynn Barnes 3 years ago

  • I want MY MONEY out of wallet

    — by Kathryn Marie Lynch 3 years ago

  • I’ve been attempting to log into my account since yesterday. It keeps telling me it sent me an email, but when I go to my email there is nothing there.

    — by Devon 4 years ago

  • This is ridiculous. I have reported the issue 7 times now.

    — by Kelly Eastmead 4 years ago

  • Won’t let me take my money out my account and no customer service is replying to me feel like I been scammed tell them sort it out please

    — by Connor 4 years ago