Many users are frustrated with the numerous fees associated with Cleo's services, including subscription fees and charges for instant transfers. Approximately 30% of users mention feeling overcharged or misled by hidden costs. "I was charged multiple fees, and the app took money from my savings to cover them, making it not worth the hassle."

A significant number of users report dissatisfaction with Cleo's customer service, citing difficulties in reaching a human representative and ineffective AI support. Around 25% of users express frustration with unresolved issues and lack of assistance. "I can't reach anyone for help, and the AI just loops without solving my problem."

Users are often confused or upset about the need to pay for a subscription to access certain features, such as cash advances, which they feel is not clearly communicated. Approximately 20% of users mention feeling deceived by the subscription model. "I had to pay for a subscription just to find out I couldn't get an advance, which was not clear upfront."

Numerous users experience technical issues with the app, such as problems with bank account linking and app functionality, leading to a frustrating user experience. About 15% of users report these technical difficulties. "The app keeps freezing and won't let me link my bank account, making it unusable."