Cleo AI FTC Refunds: No Claim Form, No Date Yet

Cleo AI customers are still waiting on a single refund from the $17 million Cleo AI FTC settlement, and there is no claim form to fill out because the FTC has not opened a Cleo refund program at all. As of September 26, 2026, the agency had not named a refund administrator, had not said who will qualify and had not added Cleo to its list of active refund programs — roughly eighteen months after the settlement was announced.

Status: Settled, refunds not announced | No claim form | No payment date | $17 million judgment

What Cleo Users Can and Cannot Do Today

There is nothing to file. The FTC typically identifies eligible people from the company’s own customer records, pays them automatically by check or PayPal, and posts the details of the program on its official refunds page. If a claim process is ever needed, the FTC announces it there.

That also means any message offering a “Cleo refund” before the FTC posts a program should be treated as suspect. The FTC never charges a fee to receive a refund and never asks for a bank password or a payment to release one.

The Case File Has Gone Quiet

The public record has barely moved since mid-2025. The last entry on the federal court docket is dated July 15, 2025. The FTC’s own case page still describes the matter as “Pending,” with a last update of May 2, 2025.

March 28, 2025	FTC files its complaint and a proposed settlement order in the U.S. District Court for the Southern District of New York, Federal Trade Commission v. Cleo AI, Inc., No. 1:25-cv-02594.
April 25, 2025	Judge Andrew L. Carter Jr. signs the stipulated order, entering a $17 million judgment. Cleo, which said it was holding the money in escrow, must pay within 7 days.
April 30, 2025	The judge denies Cleo’s request to permanently seal parts of the complaint. An unredacted complaint is refiled in early May.
July 8, 2025	FTC asks the court to order Cleo to show cause why it should not be held in contempt and sanctioned under the order.
July 14, 2025	FTC withdraws that motion.
July 15, 2025	The judge denies the motion as moot. No docket activity follows.

The publicly available filings do not explain what triggered the contempt motion or how it was settled, and neither the FTC nor Cleo has commented. They also do not confirm whether the full $17 million was collected — a question that matters, because refunds cannot be paid from money the agency has not received.

Estimating When a Refund Program Could Appear

The FTC has never given a Cleo payment timeline, so any date is an estimate. OpenClassActions.com’s estimate rests on the sequence every FTC refund program follows before it is announced:

The agency collects the money.
It hires a refund administrator.
It obtains the company’s customer records.
It decides who is eligible and how much each person receives.
It posts the program on its refunds page.

That process commonly runs 6 to 18 months after the money is collected. If the $17 million reached the FTC in mid-2025, the short end of that range has already passed and the long end stretches to late 2026 or early 2027. On that reasoning, late 2026 is the best-case timing for a refund announcement, not a promise — it could come later, and the estimate assumes the full amount was collected, which the record does not show. None of the pre-announcement steps have been made public for Cleo. A new Cleo entry on the FTC’s refunds page is the signal to watch for.

What the FTC Said Cleo Did

According to the FTC’s complaint, Cleo’s ads promised users access to cash advances of hundreds of dollars, but few users ever received amounts close to what was advertised. The complaint alleged that advances marketed as same-day or instant required an extra fee, and could still take until the next day even after that fee was paid.

The FTC also alleged that Cleo made its monthly subscription hard to cancel, in some cases telling users they could not cancel while an advance was still outstanding. Cleo settled the case rather than litigate it.

What the Order Requires Beyond the Money

Besides the $17 million payment, the stipulated order bars Cleo from misrepresenting the amount, timing or fees of its cash advances. It requires the company to disclose subscription terms clearly, to obtain users’ informed consent before charging them, and to offer a simple way to cancel. The FTC said the $17 million would go toward refunds for consumers harmed by the practices described in the complaint. It has not said which Cleo users will qualify or how payments will be calculated. Our sister site follows the case on its Cleo AI FTC refund status page.

Frequently Asked Questions

When will Cleo AI refunds be paid?

No date has been announced. The FTC has not opened a Cleo AI refund program or named a refund administrator. OpenClassActions.com estimates a refund announcement could come in late 2026 at the earliest, but that is an estimate, not an official date, and it could be later.

Is there a Cleo AI refund claim form?

No. No claim form exists. FTC refund programs usually find eligible people through the company’s own customer records and pay them automatically, and any claim process would be announced on the FTC’s official refunds page.

Has Cleo AI actually paid the $17 million?

The public record does not confirm it. The order required payment within 7 days of its April 25, 2025 entry. In July 2025 the FTC asked the court to order Cleo to show cause why it should not be held in contempt, then withdrew the motion six days later, and no one has publicly explained how the issue was resolved.

What did the FTC accuse Cleo AI of?

The FTC alleged that Cleo advertised cash advances of hundreds of dollars that few users received, charged extra for same-day or instant advances that could still arrive the next day, and made its subscription hard to cancel. Cleo settled the case.

How will I know if a Cleo refund is real?

Look for a Cleo program on the FTC’s official refunds page. The FTC never charges a fee to receive a refund and never asks for a bank password or a payment to release one.

Sources

Source and credit: this report builds on our sister site’s coverage — OpenClassActions.com: Cleo AI $17 Million FTC Refunds — No Payment Date Yet — which follows the case and is updated as new filings, orders and payment news come in.

Legal Disclaimer

This article is for informational purposes only and is not legal advice. OpenClassActions.org is a consumer news site, not a law firm and not the settlement administrator, and is not affiliated with any party to the case described. The allegations are allegations; unless a court has ruled, the defendants deny wrongdoing and no court has decided the merits. Deadlines, benefit amounts and payment timing can change as the court and the administrator act, so confirm current status on the official settlement website. You never need to pay anyone to file a claim or to receive a settlement payment.