What is the most common complaint against Kovo?

The most common issue consumers report about Kovo is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 192 complaints filed with the CFPB.

Are complaints against Kovo increasing or decreasing?

Complaints against Kovo are rising. The company received 143 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Kovo's reputation grade?

Kovo has a reputation grade of D (score: 49.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Kovo respond to consumer complaints?

Kovo has a 100% timely response rate to CFPB complaints.

In how many states does Kovo operate?

Kovo has received CFPB complaints from consumers in 34 states, with the most complaints from Texas (36 complaints).

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

Kovo - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

79
Attempts to collect debt not owed

70
False statements or representation

23
Written notification about debt

14
Electronic communications

3
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record kovo Kovo

Grade D · 192 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #559 · compose #4222

VOL 192
GRADE D
12MO 143
STATES 34
TIMELY 100%
ISSUE Took or threatened to take…
RANK #559
COMPOSE #4,222

Volume peers

Nearest volume peer: Aldridge PIte Haan, LLP (192 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Kovo's 192 CFPB complaints sit next to Aldridge PIte Haan, LLP on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Kovo (18.8%)

Volume rank #559 and composite rank #4,222 diverge by 3,663 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 18.8%; Mid-band (15–30%) · 34 states with ≥1 filing
Seasonal peak: 2026-01 12.3%; 8–15% band · 36 filings
Divergent corpus ranks: #559 volume; #4,222 composite; Cleanest-composite ladder is 3,663 places worse than volume

How does Kovo compare to its peers?

How does Kovo compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Kovo National average

Complaints (last 12 mo)lower is better

143

268

Timely-response ratehigher is better

100%

99%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	79
Attempts to collect debt not owed	70
False statements or representation	23
Written notification about debt	14
Electronic communications	3
Communication tactics	2
Threatened to contact someone or share information improperly	1

Where do complaints against Kovo come from?

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

Texas

36
South Carolina

23
Georgia

17
Florida

12
Arizona

11
California

11
Pennsylvania

8
Alabama

7

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Kovo: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 192.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Kovo: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.