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

CFPB complaint data Grade D 192 complaints

Kovo - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade D.

Complaints by issue type

What consumers report about Kovo

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 192
  • GRADE D
  • 12MO 143
  • STATES 34
  • TIMELY 100%
  • ISSUE Took or threatened to take…
  • RANK #559
  • COMPOSE Not ranked

Volume peers

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

Aldridge PIte Haan, LLPAldridge PIte Haan, LLP192Credit Management Control, Inc.Credit Management Control, I…192Kovo (this)Kovo (this)192Sa-Vit Enterprises, Inc.Sa-Vit Enterprises, Inc.193The Thomas Agency, Inc.The Thomas Agency, Inc.193
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 →

How the 192 complaints break down

Every complaint issue type on record for Kovo, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.1/100
Kovo

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
192
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Kovo (18.8%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#559 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
0
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
0%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Kovo a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%20%40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Kovo vs. 10 similar-volume peers, by response speed and dispute rate Credit Management Control, Inc.Aldridge PIte Haan, LLPCollins Asset Group, LLCCredit Collections U.S.A., L.L.C.Waterfall Revenue GroupThe Thomas Agency, Inc.Sa-Vit Enterprises, Inc.D2 Management LLCProfessional Placement Services, LLCVan Ru Credit Corporation
Source: CFPB Consumer Complaint Database

Kovo's complaint volume in context

Kovo vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

192 Top 10% higher than 90% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). This entry sits in this band. 200–220: 536 collectors (10%). Above this entry. Kovo 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Kovo

Across 34 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.