Cleo Cash Advance Customer Service Number: How to Reach Support, What to Expect, and Exact Steps

Does Cleo publish a customer service phone number?

As of mid‑2025, Cleo does not publish a single, general inbound customer service telephone number for routine cash advance or account support the way traditional banks do. Cleo operates primarily as a digital‑first fintech; the company routes most queries through in‑app messaging, a web help center, and verified email channels. This design reduces wait times for simple issues and ensures conversations are tied to the correct account and device, which is important for compliance and fraud prevention.

Because Cleo’s support is account‑linked, phone contact is typically offered only as a scheduled callback for verified, escalated issues (for example, confirmed fraud, multi‑party billing errors, or complex ACH reversals). If you find a phone number advertised claiming to be Cleo customer service, treat it as unverified until you confirm it inside the Cleo app or on the company’s official website (see meetcleo.com). Scammers commonly post fake numbers to harvest credentials or request one‑time passwords (OTPs).

Primary ways to contact Cleo for cash advance issues

For any cash advance problem—missing funds, double charges, incorrect repayment dates, or eligibility questions—start with the Cleo app. Open the app, go to Settings > Support (or tap the Help/Chat icon on the home screen), and submit a ticket or begin a chat thread that automatically includes your account identifier. This method is the fastest documented path: it attaches transaction IDs and device metadata that speed resolution.

If you prefer web access, use Cleo’s Help Center and official site links: https://meetcleo.com and the Help Center at https://help.meetcleo.com. These pages contain step‑by‑step guides, status expectations, and links to escalate. Social channels (verified @meetcleo on X/Twitter and Instagram) can route you to support but will typically direct you back to the in‑app or Help Center channels to protect your privacy.

• In‑app chat/support: fastest and most reliable; attach screenshots and grant permissions to include transaction metadata.
• Help Center & support forms: use when you cannot access the app or need to upload documents from a desktop (https://help.meetcleo.com).
• Verified social handles: @meetcleo on X/Twitter or Instagram for status updates but not for sharing private data.
• Scheduled phone callback: possible for escalations—request from within the in‑app support thread after identity verification.

What information to have ready when contacting support

Preparing the right information *before* you open a ticket speeds resolution dramatically. For cash advance disputes, Cleo will commonly ask for transaction timestamps, the exact advance amount, the bank or card used, and any reference or confirmation IDs shown in the app. Screenshots of the transaction history, error messages, or bank statements (with unrelated account numbers redacted) are especially useful for traceability.

For identity verification and to authorize changes, be prepared to provide your registered email address, the phone number on file, the model and OS version of your device, and the app version. In the U.S., Cleo may request the last four digits of your Social Security number (SSN) or the date of birth for verification but will never ask for your full SSN or your bank login credentials over chat or social media.

• Account email and registered phone number
• Exact transaction date, time (UTC), and amount (e.g., $82.50 on 2025‑03‑12 at 14:22 UTC)
• Screenshot of the in‑app advance record and any bank posting
• Bank or card name and last 4 digits; app version and device model

Timelines, refunds, escalations, and dispute process

Typical first‑response times for Cleo support tickets are 24–72 hours for non‑urgent cash advance inquiries, with many routine queries resolved inside 3–7 business days. If a refund or reversal is required, be aware there are two parts to timing: Cleo’s internal processing and your bank’s posting. Cleo may process a refund within 1–3 business days, but banks and debit networks often take an additional 3–10 business days to show the funds in your account.

For suspected fraud or unauthorized advances, escalate immediately in the app and request priority handling—these cases are often expedited and can trigger additional verification checks or an ACH reversal. If you are not satisfied with the outcome, you can open a dispute with your bank: debit/credit card chargeback timelines typically allow disputes up to 60–120 days depending on card issuer rules, and the bank’s investigation can take 30–90 days to complete.

Fees, limits, pricing, and eligibility for Cleo Cash Advances

Cleo cash advances are small, short‑term advances designed to cover pay‑cycle gaps; typical advance sizes range from $20 to $200 depending on income history, account activity, and the user’s repayment performance. Fees vary by region and product: some Cleo advance models charge a fixed fee ($1–$6), others are tip‑based or included in a paid subscription tier. These amounts change frequently; always confirm the exact fee displayed in the advance offer screen before accepting.

Subscription tiers that affect advance terms—often branded as Cleo Plus or Cleo Pro—may cost between about $4.99 and $14.99 per month historically, and they can improve advance limits and reduce fees. Eligibility is determined algorithmically from bank transaction history, employment income patterns, and account age: new accounts typically have lower advance limits for the first 30–90 days while Cleo builds a risk profile.

Security, scams, and verifying any phone number is legitimate

Because Cleo emphasizes digital support, any unsolicited phone call claiming to be Cleo asking for OTPs, full passwords, or full SSNs should be treated as a scam. Always verify contact methods inside the app: if a phone number or callback is shown in your authenticated in‑app support thread, it is more likely to be legitimate. Official Cleo domains include meetcleo.com and help.meetcleo.com; emails should come from verified company domains rather than generic free mail accounts.

If you receive a suspicious call, hang up and open the Cleo app to create a support ticket referencing the call. For urgent fraud, also notify your bank immediately and consider freezing the affected card or account. Maintaining a secure, verified in‑app support trail is the best way to ensure a clean audit trail and faster remediation.

Sample support message to paste into the app

“Hello—I need help with a Cleo cash advance. My account email is [[email protected]]; advance amount $[XX.XX] on [YYYY‑MM‑DD] at [HH:MM UTC]; bank: [Bank Name], last 4 digits [1234]. I have a screenshot of the advance screen and the bank posting. Please verify receipt and advise on refund or reversal. Thank you.” Use this to speed verification and reduce follow‑up requests for basic details.