Total CFPB complaints
156
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 156 complaints
Kovo — Debt Collector Complaint Profile
CFPB complaint profile across 33 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Kovo
- Attempts to collect debt not owed
Attempts to collect debt not owed
55 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
52 complaints
- False statements or representation 18
False statements or representation
18 complaints
- Written notification about debt 9
Written notification about debt
9 complaints
- Didn't provide services promised 4
Didn't provide services promised
4 complaints
- Confusing or misleading advertising or marketing 3
Confusing or misleading advertising or marketing
3 complaints
F
Grade F · 52.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Kovo?
Kovo has accumulated 156 total CFPB complaints across 33 states, with 120 filed in the most recent 12 months against 36 historical complaints before that window. The trailing-12-month volume represents 76.9% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 33 states, led by Texas with 29 and Georgia with 15, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.1/100 places Kovo in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
120
76.9% of total history
Rising ↑
States active
33
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
52.1/100 composite
Response-quality profile
How Kovo performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 58.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Kovo compare to its peers?
Kovo National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-02 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action52 (%)
Attempts to collect debt not owed55 (%)
False statements or representation18 (%)
Written notification about debt9 (%)
Didn't provide services promised4 (%)
Confusing or misleading advertising or marketing3 (%)
Electronic communications2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 52 |
| Attempts to collect debt not owed | Debt is not yours | 32 |
| False statements or representation | Attempted to collect wrong amount | 18 |
| Attempts to collect debt not owed | Debt was result of identity theft | 17 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Didn't provide services promised | — | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Confusing or misleading advertising or marketing | — | 3 |
| Electronic communications | Frequent or repeated messages | 2 |
Where do complaints against Kovo come from?
The states where consumers have filed the most CFPB complaints against Kovo. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Kovo
Across 33 states with at least one filing
- Texas
Texas
29 complaints
- Georgia
Georgia
15 complaints
- South Carolina
South Carolina
15 complaints
- California
California
14 complaints
- Florida
Florida
13 complaints
- Arizona 9
Arizona
9 complaints
- Pennsylvania 5
Pennsylvania
5 complaints
- Louisiana 5
Louisiana
5 complaints
Frequently Asked Questions
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 156 complaints filed with the CFPB.
Are complaints against Kovo increasing or decreasing? ▼
Complaints against Kovo are rising. The company received 120 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 F (score: 52.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 33 states, with the most complaints from Texas (29 complaints).
What can I do if Kovo is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Kovo violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |