联邦贸易委员会向212万余名Cleo AI用户发放逾1580万美元退款：10月27日起经PayPal支付，30天内须领取
美国联邦贸易委员会（FTC）自10月27日起向 2,124,796 名消费者发放退款，总额逾 1,580 万美元：这些消费者曾向现金预支应用 Cleo AI 付费购买符合条件的即时预支服务，退款经 PayPal 支付，收款人须在 30 天内领取。符合资格的消费者已在 10 月 8 日至 26 日间收到发件地址为 [email protected] 的通知邮件。
此案源于联邦贸易委员会 2025 年 3 月的起诉：Cleo AI 以「数百美元」现金预支招揽用户，但几乎无人拿到接近广告的金额；该公司对当日或即时到账的预支另收费用，款项却常次日才到；同时让用户难以取消订阅。Cleo 随后同意支付 1,700 万美元和解：和解令禁止其就预支的关键条款误导消费者，要求订阅条款清晰披露、收费前取得用户明确知情同意，并提供简便的取消方式。本次发放的逾 1,580 万美元即来自该和解。
联邦贸易委员会提醒：该委员会从不要求消费者付费领取退款，也不会要求提供账户信息。任何以帮忙领退款为名收费、来电索费、威胁转账或以中奖为饵的，都是诈骗，可到 联邦贸易委员会（FTC）诈骗举报网站 举报。对退款有疑问的消费者可联系退款管理方 Rust Consulting，电话 1-877-788-4958。
来源：GSM·美国
FTC Sends More Than $15.8 Million to Over 2.12 Million Cleo AI Users: PayPal Payments Began October 27, Accept Within 30 Days
The U.S. Federal Trade Commission (FTC) began sending refunds on October 27 to 2,124,796 consumers, totaling more than $15.8 million. The recipients had paid cash advance app Cleo AI for eligible instant cash advances. Payments are made through PayPal and must be accepted within 30 days. Eligible consumers received an email notification from [email protected] between October 8 and October 26.
The case stems from the FTC's March 2025 complaint: Cleo AI advertised access to "hundreds of dollars" in cash advances when almost no one received close to the advertised amounts; it charged extra fees for same-day or instant advances that often arrived the next day; and it made subscriptions difficult to cancel. Cleo agreed to pay $17 million to settle. The settlement order bars the company from misleading consumers about material terms of its advances, requires clear subscription disclosures and express informed consent before charging, and requires a simple cancellation method. The more than $15.8 million now being distributed comes from that settlement.
The FTC stresses that it never asks consumers to pay to receive a refund or to provide account information. Anyone demanding a fee to release a refund, calling to demand money, making threats, or promising a prize in connection with a refund is running a scam; reports can be filed at the FTC fraud reporting website. Consumers with questions about their payment can contact the refund administrator, Rust Consulting, at 1-877-788-4958.
Source: GSM · America
来源：GSM·美国（原文链接）
图片来源：图：美国联邦贸易委员会（FTC）徽标（美国联邦政府公共领域图片）。Seal of the U.S. Federal Trade Commission (U.S. federal government, public domain).
