Complaints
Customer Complaints Summary
- 42 total complaints in the last 3 years.
- 10 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/25/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Ive been using Kovo reporting for about a year, a couple of months ago they closed my account and then asked me if I would like to reopen another one, I agree. A month with pass, and I realized I was being charged for two accounts l. 20 dollars a month now and I was originally paying 10. I emailed them immediately in January and ask them what this extra $10 was for they told me it was for a back payment. So I ignored it. And another month went by and I contacted him again because I seen it was $20. The representative kept on avoiding what I was asking. To come and find out they enrolled me in two programs. So I told them I never wanted to be enrolled into programs and they said well you agreed to the terms. Im pretty upset because I never agreed to be paying 10 extra dollars for literally nothing. I get no extra perks or nothing. So I asked them to close it because I asked them in January with this was about and they did not tell me it was for this because I wouldve told them to close it then. They told me they only allow 30 days for a refund and for the account to be closed without a derogatory remark. I told them that I emailed them consistently about this account and they refuse to listen to what I said. Im contacting you guys because I seen that other people also got hassle the same way I did and I dont think its fair. Of course I dont want a derogatory remark on my credit report, but I refuse to pay an extra $10 for absolutely nothing.
Business Response
Date: 03/25/2025
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you. One of our customer support agents reached out on 3/25/25 to your email address. We look forward to assisting you. Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************************************.
Sincerely,
Kovo SupportInitial Complaint
Date:02/06/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Every complaint is the same! KOVO IS COMMITTING FRAUD! Please join a lawsuit with me. After my complaint is put in all theyre gonna do to respond is their copy and paste we value all of our customers, blah blah blah blah **********************- is committing fraud by being aware of an identity theft, and then continuing to keep the account up and going. They do not care if someone has stolen your identity and opened up an account with them. I have been a victim of identity, theft. And now I am a victim of KOVO and I cant get out of it.! kovo credit builder reports inaccurate information to credit bureaus. The inaccurate information includes false payment history, Inaccurate balances, and failure to respond to possible identity theft.blah you cannot get a hold of any person by phone. They will not speak to you by phone at all. You must text and type out everything to them. I have tried toget a live person on the phone and it has failed every single time. We are not their valued customers we are a tool and a-money gain for them.Business Response
Date: 02/08/2025
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 2/7/2025 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************************************.
Sincerely,
Kovo SupportInitial Complaint
Date:02/04/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
These people charged me every month for nothing I was paying for air. They have reported credit and have caused more damage. I did not get a refund after I emailed them for a refund I no longer wanted their service. This is a scam system. I have had enough of their reporting for nothing. I was unable to keep in touch for a while as family problems were going on.Business Response
Date: 02/07/2025
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 02/07/2025 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************************************.
Sincerely,
Kovo SupportInitial Complaint
Date:01/27/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
remove this from my credit report. created an account, added a card to make the payment and set it up on autopay. They CHANGED the whole place that my account was housed and did not transfer my data to the new location. Never informed me that I needed to login to reupload my payment information and it turns out not one of my monthly payments (of $10) was made. However, I was charged $40 a month for 6 months in late payment fees which were then reports on my credit report. I was NEVER informed of a late payment, late fees or anything about the app where my data was housed being moved. I NEED someone to speak to me a remove my entire account from their system and my credit report.Business Response
Date: 01/27/2025
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 01/27/25 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************************************.
Sincerely,
Kovo SupportInitial Complaint
Date:01/27/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
kovo credit builder reports inaccurate information to credit bureaus. The inaccurate information includes false payment history, Inaccurate balances, and failure to respond to possible identity theft.Business Response
Date: 01/27/2025
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 01/27/25 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************************************.Sincerely,
Kovo SupportCustomer Answer
Date: 01/30/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******** ********Initial Complaint
Date:01/24/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Kovo is reporting my account as delinquent on my credit reports despite the fact that I fully paid off this account on 12-09-2024 and per their own virtual assistant the account is paid in full and closed. I am demanding a letter formally stating the paid in full zero balance and closed account as well as proper reporting of the account to my ********************** report.Business Response
Date: 01/27/2025
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 01/24/25 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************************************.
Sincerely,
Kovo SupportCustomer Answer
Date: 01/27/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* *****Initial Complaint
Date:09/25/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have done the requirements for the bonus and have opened up a personal account and ********************** card through Upgrade and have not been rewarded my giftcards for signing up through the links. I have tried to reach out to customer support and spoke with **** and nothing has been done and no response has been given. Customer Support is terrible. I would like my giftcards ASAP.Business Response
Date: 09/30/2024
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 09/30/24 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************************************.Sincerely,
Kovo SupportCustomer Answer
Date: 09/30/2024
Complaint: 22338106
I am rejecting this response because: You are unprofessional and this complaint will continue until a call is made to me to fix this situation.
Sincerely,
****** *****Customer Answer
Date: 09/30/2024
****,
Can you reach out to them and let them know the situation. This was one of the reasons, signed up with both KOVO and Upgrade. Now it seems you both do not want to honor your commitment. Hopefully this can get resolved quickly, I do not want to take next steps and waste more time on something that can be simply fixed.**** with customer success is very nonprofessional and I will not accept anything other than a call from KOVO leadership and my 2 giftcards.
Business Response
Date: 10/02/2024
One of our customer support agents reached out on 10/02/24 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************************************.Customer Answer
Date: 10/02/2024
Complaint: 22338106
I am rejecting this response because: As I have asked before, I want a call from a manager or supervisor from Kovo to resolve this issue or the complaints will continue on.
Sincerely,
****** *****Business Response
Date: 10/08/2024
We appreciate your patience as we resolved this issue. Please reach out to us if you have any further questions!Customer Answer
Date: 10/10/2024
Complaint: 22338106
I am rejecting this response because:
Sincerely,
****** *****Customer Answer
Date: 10/10/2024
Complaint: 22338106
I am rejecting this response because: I have asked for a formal phone call to resolve this issue and not an email or me calling them. If they are a real and legit business, there should be no problem calling me and to get this issue resolved. It seems like they are not a real and legit business and this will only amplify my complaint even more to . So, I am still waiting and will continue to pursue this until then.
Sincerely,
****** *****Business Response
Date: 10/11/2024
We have resolved this issue, please let us know if you have any further questions. Thank you!Customer Answer
Date: 10/15/2024
Complaint: 22338106
I am rejecting this response because: I would like a call from leadership to explain why this happened and a formal apology. The complaint will remain open until I receive the phone call.
Sincerely,
****** *****Business Response
Date: 10/16/2024
We have provided all necessary context via email for this resolution and the desired outcome was approved. Thank you!Customer Answer
Date: 10/17/2024
Complaint: 22338106
I am rejecting this response because: this will continue until I receive a formal call and an apology for bad customer service and failure to respond to my request in a professional business manner.
Sincerely,
****** *****Business Response
Date: 10/21/2024
Thank you for allowing us to resolve your issue. Please contact us via ******************************** if you have further questions.Customer Answer
Date: 10/21/2024
Complaint: 22338106
I am rejecting this response because: Still waiting for a phone call with a formal apology.
Sincerely,
****** *****Business Response
Date: 10/29/2024
We appreciate the chance to reach out to you concerning your account. We will contact you at the provided contact information. Thank you!Customer Answer
Date: 10/29/2024
Better Business Bureau:
Thank you, ****** for reaching out to resolve this issue. You went above and beyond and thank you for allowing me to give some feedback. We can now move forward to continue our business relationship. I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
****** *****Initial Complaint
Date:06/12/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
on may 29 2024 I received a notification of a a settlement on my account and they closed my account at the 3 bureau agencies that affected my credit significantly and damaged my credit reputation, this is a mistake on your part since I have my automatic payments and their system does not work correctly, it does not have support and I try to communicate on several occasions and it is impossible, it does not respond, every time I make the manual payment I receive a notification from my bank, **** of America, saying if I authorized this transaction, the **** of America takes it as a fraudulent transaction. I don't know what system you use, but it ***** the punctuality of the payments and it shouldn't be like that if I have them in automatic payment, an error on your part is harming my credit and I ask that you They reversed that late payment **** on my credit report immediately and I need a response from you as quickly as possible.Business Response
Date: 06/12/2024
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 06/12/2024 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************.
Sincerely,
Kovo SupportCustomer Answer
Date: 06/25/2024
Complaint: 21839700
I am rejecting this response because: I never missed a payment and they closed my account which made my ********************** score drop in one month
Sincerely,
*************************Business Response
Date: 06/26/2024
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 06/12/24 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************.
Sincerely,
Kovo SupportInitial Complaint
Date:06/06/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Kovo has ruined my credit when they are supposed to help you. I contacted them about their system failure and non of my payments were made. When i finally realized a payment was made to catch up. They have no interest in helping me and I have also filed a complaint with the ***** I just want them to fix their error on my report.Business Response
Date: 06/10/2024
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 06/09/24 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************.
Sincerely,
Kovo SupportCustomer Answer
Date: 06/10/2024
Business responded that they emailed me on 6/9/2024. Its 9:35pm EST on 6/10/2024 and have not been emailed. This is right in line with their normal behavior. They lied and have not emailed me.Customer Answer
Date: 06/11/2024
Complaint: 21810526
I am rejecting this response because: Business responded that they emailed me on 6/9/2024. Its 9:35pm EST on 6/10/2024 and have not been emailed. This is right in line with their normal behavior. They lied and have not emailed me.
Sincerely,
*****************************Business Response
Date: 06/12/2024
Our support team reached out to the customer on 6/10. However, it seems the customer marked emails from our support team as spam and that is interfering with delivery of the email to the inbox.Customer Answer
Date: 06/13/2024
The fact that they are saying the messaged me 6/9/2024, then in another message they said they reached out 6/10/2024 is obvious that they never contacted me 6/9/2024 as they told you all.
Ive received messages as late as Monday from them thanking me for my payment, and I never put them in spam. How can I see messages about payment, but non about rectification on this issue. There support has reached out to me before, now they cant do what they said they are doing. Its a lie!
Customer Answer
Date: 06/14/2024
Complaint: 21810526
I am rejecting this response because:The fact that they are saying the messaged me 6/9/2024, then in another message they said they reached out 6/10/2024 is obvious that they never contacted me 6/9/2024 as they told you all.
Ive received messages as late as Monday from them thanking me for my payment, and I never put them in spam. How can I see messages about payment, but non about rectification on this issue. There support has reached out to me before, now they cant do what they said they are doing. Its a lie!
Sincerely,
*****************************Business Response
Date: 06/14/2024
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 06/14/24 to your email address provided, as well as an additional email address we had on file for your account.
If you have another email or SMS capable phone to reach out to us, please reach out to our support team through that method as well so that we can maintain contact, as we are unable to respond to the primary email listed.
We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************.
Sincerely,
Kovo SupportCustomer Answer
Date: 06/25/2024
Complaint: 21810526
I am rejecting this response because:
They have non done anything to correct the problem on my credit. They offered me to close the account and make it more derogatory.
Sincerely,
*****************************Business Response
Date: 06/26/2024
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 06/14/24 to your email address. We look forward to assisting you.Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************.
Sincerely,
Kovo SupportInitial Complaint
Date:05/06/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Kovo *** is a scam and they have violated several laws. Theyll send you a payment reminder a day before the payment is due. This is in violation of 15 U.S. Code 1666b - Timing of payments. *** tried to close this account and pay it in full s***e October of last year. Nobody responds to the emails and you cant reach a live representative. They keep reporting late payments on my report which caused my credit to drop significantly and is also inaccurate. They need to remove these false late payments or Ill continue with filing a lawsuit. This is ridiculousBusiness Response
Date: 05/06/2024
Thank you for reaching out. Please know that you are a valued customer, and were here to serve you.
One of our customer support agents reached out on 05/06/2024 to your email address. We look forward to assisting you.
Because we value your privacy, we cannot discuss the details of your account through ********************. If you need any further assistance, please reach out to us at ********************************.
Sincerely,
Kovo Support
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.