T5C1HB8RM5BJRC6 Charge on Card: Cleo AI, Subscription, Cash Advance, and Refund Help

If you see a T5C1HB8RM5BJRC6 charge on your credit card, debit card, or bank statement, it may be connected to Cleo AI, the personal finance and cash advance app. This descriptor is not self-explanatory, so the safest first step is to check whether you have a Cleo account, a Cleo subscription, a cash advance repayment, or an express payout fee.

Consumer Reports and Experiences

Consumers searching for T5C1HB8RM5BJRC6, T5C1HB8RM5BJRC6 charge, T5C1HB8RM5BJRC6 Cleo AI, Cleo AI charge, Cleo charge on debit card, and Cleo subscription charge are usually trying to identify a confusing app-related debit or ACH-style transaction.

Some cardholders report that the charge appears after using Cleo for budgeting tools, cash advances, express payouts, subscription features, or account-linked services. Others may not recognize the descriptor because the statement does not clearly say “Cleo,” “Cleo AI,” “cash advance,” “subscription,” or “express payout.”

Because the exact descriptor T5C1HB8RM5BJRC6 is not obvious from the wording alone, do not assume it is legitimate or fraudulent until you compare it against your Cleo account, app activity, subscription status, cash advance history, and bank records.

What Is the T5C1HB8RM5BJRC6 Charge?

The T5C1HB8RM5BJRC6 charge appears to be a bank-statement descriptor that consumers associate with Cleo AI or Cleo-related billing. Cleo is a personal finance app that offers budgeting tools, subscription features, cash advances, express payout options, and related financial services.

A charge connected to Cleo may be for one of several things:

A Cleo subscription fee
A Cleo Plus, Pro, Builder, or similar paid plan
A cash advance repayment
An express payout fee for faster access to funds
A Cleo Card or account-related transaction
A repayment attempt linked to a connected bank account
An old subscription or account you forgot about
Unauthorized or mistaken billing

Important: ChargeOnMyCard.com has not found an official Cleo page that confirms the exact descriptor T5C1HB8RM5BJRC6. Treat this post as a practical identification guide based on charge-descriptor search behavior, available Cleo information, and consumer reports.

Why You May Be Seeing This Charge

You used Cleo for a cash advance: Cleo may debit your account for a repayment connected to a previous cash advance.
You chose express payout: If you selected faster funding, an express payout fee may be added to the repayment.
You have a Cleo subscription: Cleo paid plans may bill monthly or renew automatically unless canceled.
A free or trial feature converted to paid billing: You may have started a subscription and forgotten to cancel.
Your bank account is linked to Cleo: Some transactions may appear as debits or repayments from a connected account.
Another user had access: A family member, partner, or authorized device user may have opened or used Cleo.
An old account is still active: You may have deleted the app without canceling the subscription or closing the account.
The charge may be unauthorized: If you never used Cleo, do not recognize the app, or cannot locate an account, contact your bank promptly.

Common Statement Variations

The exact wording can vary by bank, payment method, processor, and account type. Possible statement variations include:

T5C1HB8RM5BJRC6
T5C1HB8RM5BJRC6 CHARGE
T5C1HB8RM5BJRC6 CLEO
T5C1HB8RM5BJRC6 CLEO AI
CLEO
CLEO AI
MEETCLEO
MEET CLEO
CLEO SUBSCRIPTION
CLEO CASH ADVANCE
CLEO REPAYMENT
CLEO EXPRESS
CLEO PLUS
CLEO BUILDER
CLEO CARD

How To Check Whether the Charge Is From Cleo

Before disputing the transaction, try to match it to a real Cleo account or bank-linked transaction.

Open the Cleo app: Check your account, subscription, cash advance history, repayment history, and payment help section.
Search your email: Look for “Cleo,” “MeetCleo,” “cash advance,” “subscription,” “express payout,” “repayment,” and the exact amount.
Check app subscriptions: Review Google Play and Apple subscriptions if you downloaded Cleo through an app store.
Review your bank connections: Check whether Cleo is linked to your bank account or debit card.
Check the amount: Compare the charge to subscription fees, cash advance repayments, express payout fees, or repayment attempts.
Ask other users: A spouse, partner, family member, or shared-device user may have used your payment method.
Ask your bank for merchant details: Request the merchant name, ACH originator, transaction ID, phone number, and payment network details.

Cleo Subscription Charges

If the charge is from a Cleo subscription, it may continue until the subscription is canceled through the correct account or platform. Deleting the app from your phone may not cancel paid billing.

Check the Cleo app first. Then check whether the subscription was started through the Apple App Store or Google Play. If you subscribed through an app store, cancellation may need to happen through Apple or Google rather than only inside Cleo.

Cleo Cash Advance Repayments and Express Payout Fees

If you used Cleo for a cash advance, the charge may be a repayment. If you chose faster funding or express payout, a fee may be connected to the repayment or shown separately depending on how the transaction is processed.

Review the repayment date, advance amount, express payout choice, and any Cleo messages or confirmations. If the amount does not match your records, contact Cleo support and your bank.

How To Cancel Cleo Billing

If you believe the T5C1HB8RM5BJRC6 charge is connected to Cleo and you want to stop future billing, take these steps:

Open the Cleo app and check your subscription status.
Use Ask Cleo or the app support flow to request cancellation.
If the subscription was started through Apple, cancel it through Apple subscriptions.
If the subscription was started through Google Play, cancel it through Google Play subscriptions.
Email Cleo support if you cannot access your account.
Save screenshots of your cancellation request and confirmation.
Monitor your next bank statement to confirm billing stopped.

Cleo Help Center: Cleo Help Center
Cleo support email: team@meetcleo.com
Cancel Google Play subscriptions: Google Play Subscription Help
Cancel Apple subscriptions: Apple Subscription Help

How To Request a Cleo Refund

If you believe the charge was mistaken, unauthorized, duplicated, or tied to a subscription you canceled, request a refund as soon as possible.

When contacting Cleo, include:

Exact descriptor shown on your statement
Charge amount
Transaction date
Card type or bank account used
Last four digits of the card or account, if safe to provide
Email address and phone number connected to your Cleo account
Whether the charge was for a subscription, cash advance repayment, express payout, or unknown transaction
Any cancellation confirmation or previous support messages

If Cleo says the transaction is valid but you still believe it is wrong, ask for the transaction details in writing. If the merchant does not respond or you believe the charge is unauthorized, contact your bank or card issuer.

What To Do If You Do Not Recognize the Charge

If you do not have a Cleo account, did not authorize a subscription, or cannot find any Cleo activity that matches the charge, treat it as potentially unauthorized.

Contact your bank or card issuer immediately.
Ask whether the transaction was a card charge, ACH debit, or account-linked withdrawal.
Ask for the merchant record or ACH originator details.
Report the charge as unauthorized if no one with access to your account made it.
Ask whether your card or bank account should be blocked, replaced, or monitored.
Change your Cleo, email, and banking passwords if you suspect account access.
Check for other small app, fintech, or subscription charges.
Keep screenshots and bank messages for dispute records.

FTC Settlement and Cleo AI Complaints

In 2025, the Federal Trade Commission announced a settlement with Cleo AI involving allegations about cash advance advertising, speed of funds, fees, and subscription cancellation difficulty. This does not mean every Cleo charge is unauthorized, but it does mean consumers should carefully review subscriptions, cash advance terms, repayment details, and cancellation records.

If your issue involves a difficult cancellation, unexpected subscription billing, or repeated charges after you tried to cancel, document everything. Save screenshots, emails, app messages, bank statements, and support replies.

FTC report fraud page: ReportFraud.ftc.gov
FTC identity theft help: IdentityTheft.gov

Is T5C1HB8RM5BJRC6 a Scam?

The descriptor itself is not enough to prove that the charge is a scam. It may be a real Cleo-related subscription, cash advance repayment, express payout fee, or account transaction. Many app and fintech charges appear under unclear processor codes rather than the app name consumers expect.

However, you should be cautious if you never used Cleo, cannot find the charge in your account, see repeated debits after cancellation, or notice other unfamiliar financial-app charges. In those cases, contact Cleo support and your bank promptly.

How To Prevent Future Cleo or App Subscription Charges

Cancel any Cleo subscription you no longer want.
Check Apple and Google Play subscriptions separately.
Remove old payment methods from unused app accounts.
Review linked bank accounts inside financial apps.
Turn on bank alerts for card charges and ACH debits.
Save cancellation confirmations.
Monitor statements for another billing cycle after cancellation.

Frequently Asked Questions

What is T5C1HB8RM5BJRC6 on my bank statement?

T5C1HB8RM5BJRC6 is a confusing statement descriptor that consumers associate with Cleo AI or a Cleo-related transaction. It may involve a subscription, cash advance repayment, express payout fee, or linked-account debit.

Is T5C1HB8RM5BJRC6 definitely Cleo AI?

Not definitely. ChargeOnMyCard.com has not found an official Cleo source confirming the exact descriptor. However, search behavior and consumer reports suggest it may be connected to Cleo AI. Verify it through your bank and Cleo account.

Why did Cleo charge my debit card?

Cleo may charge a debit card for a subscription, cash advance repayment, express payout fee, or other account-related transaction. Check your Cleo app, subscription status, and repayment history.

How do I cancel Cleo?

Open the Cleo app and use Ask Cleo or support to cancel. Also check Apple or Google Play subscriptions if you subscribed through an app store. Save proof of cancellation.

Can I get a refund from Cleo?

You can request a refund through Cleo support, especially if the charge was mistaken, duplicated, unauthorized, or tied to a subscription you believe you canceled. If Cleo does not resolve it, contact your bank or card issuer.

What if I cannot log in to Cleo?

Use Cleo support or email team@meetcleo.com. Provide the email addresses you may have used, the charge amount, the date, and the last four digits of the payment method if needed.

Should I dispute the T5C1HB8RM5BJRC6 charge?

If the charge matches a Cleo transaction you authorized, a dispute may not be necessary. If you did not authorize it, cannot identify it, or continue to be charged after cancellation, contact your bank and ask about a dispute.

Is Cleo AI the same as Cleo.com?

No. Cleo AI, the personal finance app, uses MeetCleo-related websites and app listings. Cleo.com is a different business software company and should not be confused with Cleo AI billing.

Related Credit Card and Bank Charges

Financial app, subscription, ACH, and digital-service descriptors can be confusing because statements may show a processor code, app name, phone number, or internal billing identifier instead of the product you recognize.

Why Trust ChargeOnMyCard.com?

ChargeOnMyCard.com helps consumers research confusing credit card, debit card, ACH, and bank-statement descriptors using available company information, official resources, payment clues, and reports from cardholders. Our goal is to help readers understand what a charge may be, how to verify it, and when to contact the merchant, app developer, payment platform, bank, or card issuer.

Share Your Experience

Have you seen a T5C1HB8RM5BJRC6, Cleo AI, MeetCleo, Cleo subscription, or Cleo cash advance charge on your card or bank statement? Please share the exact descriptor, amount, whether it matched a Cleo subscription or cash advance, and how you resolved it. Your report may help another reader identify the charge, cancel billing, request a refund, or dispute unauthorized activity.

Disclaimer

ChargeOnMyCard.com is an independent consumer information website and is not affiliated with Cleo AI, MeetCleo, Cleo AI Ltd., Cleo AI Inc., WebBank, Apple, Google, or any company mentioned. Information is provided for educational purposes only. Always verify unfamiliar charges directly with the merchant shown on your transaction record, the app provider, your bank, or your card issuer before taking action.