Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kovo
State: GA

Complaint narrative:
XX/XX/year> Kovo Support XXXX cite_start XXXX ( Text - Limited support XXXX Kovo Inc. XXXX ID XXXX Subject : Dispute of Late Payment Reporting - Account : XXXX To Whom It May Concern : I am writing to formally dispute a recent late payment report on my Kovo Installment Plan, as I believe it to be erroneous and potentially retaliatory following my request to cancel and pay off my account. 

On XX/XX/year>, I initiated a request to cancel my Kovo Installment Plan and pay off my remaining balance. Kovo Support, specifically XXXX, confirmed via email on the same date that if I authorized them to run my card for the remaining balance of {$200.00}, my " outstanding balance [ would be brought ] to XXXX and [ the account would ] close as paid in full ''. Furthermore, the email stated, " Please note that after this final pay-off month, we will no longer report your monthly payment performance to the credit bureaus ''. I subsequently confirmed my understanding and selected to " Close my account as paid in full ''. 

Despite this agreement to pay off my account in full and close it, I received an email on XX/XX/year>, titled " Your payment is past due! ". This email stated, " Your account is {$20.00} past due '' due to a declined auto-payment. It also warned that not catching up could lead to a " negative impact on your credit ''. 

I dispute any late payment reporting for the following reasons : Prior Agreement to Close Account as Paid in Full : My intention to pay off the account and close it was clearly communicated and acknowledged by Kovo Support on XX/XX/year>. The subsequent " past due '' notification on XX/XX/year>, seems to contradict the understanding that the account was in the process of being settled and closed in full. 



Timing of Reported Late Payment : The past-due notification was received after I had already initiated and confirmed my request to fully pay off and close my account. It appears Kovo is reporting a " late payment '' during a period when the account was in the process of being definitively closed as paid in full. 


Potential Retaliation : It is concerning that a " past due '' notification leading to a potential negative credit impact was issued so soon after my decision to cancel and pay off the account. This raises questions about whether this reporting is a retaliatory measure for my cancellation. 

I understand that paying off the account in full would not change previous payment history or remove prior late reports. However, I dispute any new negative reporting that occurred or will occur after my agreement to pay off the account and close it as paid in full on XX/XX/year>. 

I request that Kovo : Immediately investigate this matter. 

Cease and reverse any negative credit reporting associated with a " late payment '' that occurred on or after XX/XX/year>. 

Confirm in writing that my account has been closed as " paid in full '' and that no further negative reporting related to this dispute will occur. 

Please provide a written response within XXXX  days detailing the steps taken to resolve this dispute. You may contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation