Kompato AI
Kompato AI runs generative voice agents for debt collection, serving first-party lenders recovering pre-charge-off accounts and debt buyers pursuing post-charge-off recovery.…
Overview
Kompato AI runs generative voice agents for debt collection, serving first-party lenders recovering pre-charge-off accounts and debt buyers pursuing post-charge-off recovery. Named agents conduct unscripted outbound calls with payment plan negotiation, and the platform analyses debtor portfolios, predicts payment behavior, scores accounts by repayment likelihood and selects channel and timing per debtor across voice, SMS, email and digital. It reports resolving 96.4 percent of queries with 3.6 percent escalated to human agents, and scaling from ten thousand to over a million accounts in 45 days. Its central design claim is compliance-as-code, embedding federal debt collection, telephone consumer and Regulation F rules including contact frequency limits directly into communication workflows rather than relying on agent training. It is a licensed collection agency operating on an outcome-based fee model, and holds three security certifications.
Details
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