Cleo customer service phone number — how to reach a live person

Quick overview and why phone numbers are rare

Cleo operates primarily as a digital-first service; for the consumer-facing budgeting and banking assistant known as “Cleo” the standard support model is in-app chat, help center articles, and email. Many modern fintech apps intentionally do not publish a direct public customer-service phone number to reduce fraud risk and to ensure secure, account‑authenticated support through the app. That design choice affects response routing and the expectation that most service interactions are handled asynchronously.

Because of that architecture, asking for a single “Cleo customer service phone number” often returns either no result or a routing number intended only for enterprise or partner accounts. If you need a live human, the correct approach is to use the authenticated channels the company provides so agents can verify identity without asking you to disclose sensitive data on an open call.

How to get to a live person for Cleo (consumer app)

If you are a Cleo app user and need a live human, follow these precise steps in order. First, open the Cleo app and use the in-app Help or Support widget; authenticated chat is the fastest route because it attaches your account ID, device model, app version, and recent transaction metadata automatically for the agent. Second, if chat is not resolving the issue, use the app menu to request escalation to a specialist — this will create an escalated ticket with priority flags and often invokes an email or scheduled phone callback where available.

Typical timelines: initial in-app responses for account and billing issues usually appear within 12–48 hours during business days; escalated cases often carry a target resolution window of 3–14 calendar days depending on complexity (fraud investigations and bank disputes take longer). Always track the ticket ID from the in-app support conversation; this ID is the single best artifact for follow-up and escalation.

What to prepare before requesting a live agent

• Account identifiers: your registered email address, the last 4 digits of the linked debit/credit card, and the device type (iPhone model or Android) — these let agents validate you without full PAN data.
• Transaction evidence: date/time (use ISO format YYYY-MM-DD HH:MM in your time zone), exact transaction amount, merchant name as it appears in the app, and one or two screenshots of the transaction or error message (PNG or JPG).
• Error diagnostics: app version number (found in Settings → About), OS version (e.g., iOS 16.4, Android 13), and whether you have attempted app reinstall or cache clear; include steps you’ve already taken to avoid duplicate troubleshooting.
• Expected outcome: state clearly whether you want a refund, reversal, account re‑enable, or investigation — agents escalate differently depending on the requested remedy.

If you specifically need a phone call: requesting callbacks and verification

Because Cleo favors authenticated messaging, the only reliable way to get a phone callback from an agent is to request it from within the app’s support conversation. When you request a callback, expect the agent to schedule a specific window (commonly a 30–60 minute slot) and to confirm the phone number that is on file for identity verification. Do not give full card numbers over voice; agents will ask for non-sensitive verification such as last 4 digits and date of birth or the email on file.

If the app cannot schedule a callback or you cannot access the app, use the official public website (https://meetcleo.com) and find the Help or Contact section. On that page you will typically be directed to the same authenticated help center or to an enterprise contact form; free consumer phone lines are unusual and any phone number found outside the official site should be treated with caution for potential scams.

Escalation path, timelines and external remedies

• Escalation steps: 1) open an authenticated support ticket in-app, 2) request escalation to “investigations” or “billing specialist”, 3) request a scheduled phone callback if needed, 4) if unresolved after 7–14 days, ask for a written escalation to a supervisor and the ticket audit log, and 5) if still unresolved, file dispute with your bank or card issuer (chargeback) while preserving the ticket ID and all correspondence.
• Regulatory options: in the UK you can contact the Financial Ombudsman Service; in the EU/EEA contact your national consumer protection authority; in the US, complaints about billing or fraud can be filed with the CFPB (Consumer Financial Protection Bureau) or your state attorney general. Keep copies of ticket IDs, screenshots, dates and times — regulators require clear timelines and evidence.
• Typical times: banks often allocate 30–60 days for transaction investigations; fintech customer support teams usually request 7–14 days to complete an internal fraud review. If you escalate externally, expect added administrative time but stronger enforceable outcomes.

Practical scripts and security best practices

When you finally connect with a live agent, use concise, factual language. Example: “I am calling about an unauthorized transaction on my Cleo-linked account from 2025-06-12 for $89.75 at MERCHANT NAME. My account email is [email protected] and the last 4 digits of my linked card are 1234. I would like a transaction reversal and a fraud investigation; please provide the ticket ID and expected resolution timeline.” Short, data-first statements speed verification and escalation.

Security tips: never read or type your full account password or full card number into an unsecured chat or call. Insist on channels that attach your account ID; if an agent asks for information that seems excessive, request supervisor review and documentation. If you suspect impersonation or fraud, contact your card issuer immediately using the number on the back of your card and freeze the account.