This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 26 complaints

Kora Financial - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade D.

Complaints by issue type

What consumers report about Kora Financial

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.5/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Kora Financial ranks ahead of 37% of the 5,283 collectors PlainCollector grades - 63% keep a cleaner CFPB record, on 26 all-time complaints and a 87% timely-response rate.

37th pct
reputation rank of 5,283 graded collectors
26
CFPB complaints, all-time
87%
answered inside the CFPB window
16
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Kora Financial?

Kora Financial has accumulated 26 total CFPB complaints across 11 states, with 16 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 61.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 87% timely-response rate.

Complaints have been recorded across 11 states, led by South Carolina with 6 and Florida with 5. Normalized against the full CFPB collector database, the reputation score of 58.5/100 places Kora Financial in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

26

low-volume (CCDB)

Last 12 months

16

61.5% of all-time complaints

Rising ↑

States active

11

regional footprint

Timely response rate

87%

acceptable band

Reputation grade

D

58.5/100 composite

How does Kora Financial's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 37th percentile higher than 37% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Kora Financial versus the debt-collection vertical average.

Timely response within SLA 86.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 19.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Kora Financial compare to its peers?

How does Kora Financial compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Kora Financial National average
Complaints (last 12 mo)lower is better
16
7
268
Timely-response ratehigher is better
87%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-12 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 15
False statements or representation - 7
Written notification about debt - 2
Took or threatened to take negative or legal action - 1
Electronic communications - 1

Where do complaints against Kora Financial come from?

Kora Financial's own per-state count, not a national baseline.

Top states by complaints against Kora Financial

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Kora Financial contacts you

A grade of D signals how Kora Financial's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Kora Financial and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Kora Financial ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Kora Financial? ▼

The most common issue consumers report about Kora Financial is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 26 complaints filed with the CFPB.

Are complaints against Kora Financial increasing or decreasing? ▼

Complaints against Kora Financial are rising. The company received 16 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Kora Financial's reputation grade? ▼

Kora Financial has a reputation grade of D (score: 58.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Kora Financial respond to consumer complaints? ▼

Kora Financial has a 87% timely response rate to CFPB complaints.

In how many states does Kora Financial operate? ▼

Kora Financial has received CFPB complaints from consumers in 11 states, with the most complaints from South Carolina (6 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.