2026 data Public-data reference. official source

Kovo

713 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

713 consumer complaints filed with the CFPB

This profile shows Kovo's complaint history from CFPB public records. 713 consumers have filed complaints since 2021. The company has a 100% timely response rate and has provided relief in 0.3% of cases.

713
Total Complaints
100%
Timely Response
0%
Disputed
0.3%
Relief Provided
43
States Active
2021
Since

Total complaints

713

Filed since 2021

Timely response

100%

CFPB-tracked response window

Relief rate

0.3%

Closed with monetary or non-monetary relief

Timely response rate 100.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.3%
Industry median

Share closed with monetary or non-monetary relief.

Kovo complaint mix by product

Total complaints: 713

Kovo complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 713 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Credit reporting: 469 complaints (66.1%), resolution 0.0% Credit reporting 66.1% Debt collection: 150 complaints (21.1%), resolution 0.0% Debt collection 21.1% Credit card: 27 complaints (3.8%), resolution 0.0% Credit reporting,: 27 complaints (3.8%), resolution 7.4% Payday loan,: 21 complaints (3.0%), resolution 0.0% Debt or: 11 complaints (1.5%), resolution 0.0% Payday loan,: 5 complaints (0.7%), resolution 0.0%
  • Credit reporting 469 66.1% 0% relief
  • Debt collection 150 21.1% 0% relief
  • Credit card 27 3.8% 0% relief
  • Credit reporting, 27 3.8% 7% relief
  • Payday loan, 21 3.0% 0% relief
  • Debt or 11 1.5% 0% relief
  • Payday loan, 5 0.7% 0% relief

How Kovo's 713 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Credit reporting or other personal consumer reports 469
Debt collection 150
Credit card 27
Credit reporting, credit repair services, or other personal consumer reports 27
Payday loan, title loan, personal loan, or advance loan 21
Debt or credit management 11
Payday loan, title loan, or personal loan 5
Checking or savings account 1
Money transfer, virtual currency, or money service 1
Credit card or prepaid card 1

Top States

State Complaints
TX 88
FL 86
GA 75
CA 55
NY 38
IL 37
SC 26
MI 22
PA 22
AL 22
NC 20
OH 20
LA 19
MD 19
NJ 15
AZ 15
NV 13
MS 13
CT 11
MN 11

Top Issues

Issue Complaints
Incorrect information on your report 313
Improper use of your report 112
Problem with a company's investigation into an existing problem 78
Took or threatened to take negative or legal action 59
Attempts to collect debt not owed 56
False statements or representation 20
Written notification about debt 10
Credit monitoring or identity theft protection services 8
Problem when making payments 6
Getting a credit card 6
Closing your account 5
Problem with a credit reporting company's investigation into an existing problem 5
Didn't provide services promised 4
Other features, terms, or problems 3
Getting the loan 3
Electronic communications 3
Confusing or missing disclosures 3
Fraud or scam 2
Fees or interest 2
Problem with additional add-on products or services 2

Yearly Trend

Year Complaints Timely
2021 3 100%
2022 8 100%
2023 42 100%
2024 120 100%
2025 341 100%
2026 199 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Kovo

Kovo has accumulated 713 consumer complaints in the CFPB public database, with filings active across 43 U.S. states. Of those submissions, 134 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2021, and the most recent logged activity is 2026-04-07, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, Kovo reports a 100% timely-response rate and has closed 99.7% of cases with a written explanation to the consumer. 0.3% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Credit reporting or other personal consumer reports", and the single most common underlying issue is "Incorrect information on your report".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Kovo: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does Kovo have?

Kovo has received 713 consumer complaints filed with the Consumer Financial Protection Bureau.

Does Kovo respond to complaints on time?

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

What is the most common complaint about Kovo?

The most common issue reported against Kovo is "Incorrect information on your report" in the "Credit reporting or other personal consumer reports" product category.

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