Credit reporting
Kovo: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 38
- Closed with money back
- 0
- 2023 to 2025
- 8 to 21
Kovo received 603 complaints from everyone in the window; 38 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0 of the 38 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 8 in 2023 to 21 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 19 |
| Payday loan, title loan, personal loan, or advance loan | 6 |
| Credit card | 4 |
| Debt collection | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
By issue
| Incorrect information on your report | 14 |
| Improper use of your report | 8 |
| Problem with a company's investigation into an existing problem | 3 |
| Attempts to collect debt not owed | 1 |
| Closing an account | 1 |
| 2023: 8 | 2024: 9 | 2025: 21 |
Which accounts, specifically
| Credit reporting | 23 |
| Installment loan | 4 |
| I do not know | 3 |
| Store credit card | 3 |
| Personal line of credit | 2 |
What went wrong, specifically
| Reporting company used your report improperly | 7 |
| Account information incorrect | 6 |
| Account status incorrect | 5 |
| Information belongs to someone else | 4 |
| Can't close your account | 2 |
Busiest month: June 2025, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from TX (9), GA (7), CA (3) , then HI, KS, MD.
How Kovo answered
| Closed with explanation | 38 |
Kovo responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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""
Credit reporting or other personal consumer reports; Improper use of your report. GA, 2024-07-08. Outcome: Closed with explanation. Complaint 9440527
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Payday loan, title loan, personal loan, or advance loan; Getting the loan. MS, 2024-05-04. Outcome: Closed with explanation. Complaint 8929611
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Credit reporting or other personal consumer reports; Improper use of your report. HI, 2024-03-12. Outcome: Closed with explanation. Complaint 8521775
If this is your problem at Kovo
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Westcreek Financial 38 servicemember complaints; 0 with money back
- Tower Loan of Mississippi 37 servicemember complaints; 0 with money back
- Rfna 41 servicemember complaints; 0 with money back
- TomoCredit 41 servicemember complaints; 1 with money back
- Open Dealer Exchange 43 servicemember complaints; 0 with money back
Next in the directory by volume: Mountain America Federal Credit Union, Randolph-brooks Federal Credit Union, Reliant Capital Solutions.
Frequently asked questions
How many complaints did servicemembers file against Kovo?
38 complaints tagged servicemember were received by the CFPB about Kovo between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 8 in 2023 to 21 in 2025.
What do servicemembers complain about most at Kovo?
Credit reporting or other personal consumer reports accounts for 19 of the 38 complaints, and the most common issue is "Incorrect information on your report" (14). Next: "Improper use of your report" (8).
Does Kovo give money back when a servicemember complains?
0 of the 38 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 38 closed with an explanation only. Kovo answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.