Debt collector · complaint record
Obligo complaints
Filed under Obligo Inc.
Consumers have filed 21 complaints about Obligo since 2025, 15 of them in the last 12 months. It answered 100% on time and closed 47% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 21
- Last 12 months
- 15
- Answered on time
- 100%
- Closed with relief
- 47%
- Last 30 days
- 0
- Rank
- #614 of 1,963
Since March 2025
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 6, 2026
Most complained-about debt collectors
Obligo complaints by month
The busiest month was July 2026 (5 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Obligo answered all time
- Closed with monetary relief942.9%
- Closed with non-monetary relief14.8%
- Closed with explanation1152.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Obligo complaints are about
Top Obligo problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 9
- Debt was result of identity theft 2
- Debt was paid 1
Where Obligo complaints come from
Most complaints: Florida (4), Georgia (3), Illinois (1), Missouri (1), Mississippi (1).
Obligo compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | ObligoDebt collection | - | 15 | - |
Compare side by side: Obligo vs Green Square · Obligo vs EMoneyUSA · Obligo vs Mullooly Jeffrey Rooney & Flynn · Obligo vs Credit World Services
What people say about Obligo
All experiencesNo experiences with Obligo yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Obligo complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 4, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Money back |
| Jul 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 24, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Jul 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Money back |
| Jul 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Money back |
| Jun 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Feb 21, 2026 | Bank accounts | Problem with a lender or other company charging your accountCan't stop withdrawals from your account | Money back |
Questions about Obligo
How many complaints does Obligo have?
Obligo has 21 complaints on record since March 2025, including 15 in the last 12 months and 0 in the last 30 days. That makes it number 1,229 of every company by complaints this year.
Does Obligo respond to complaints?
Yes. Obligo answered 100% of its complaints on time (within 15 days) and closed 47% with relief - money back or a fix; 40% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Obligo?
The most common problems are attempts to collect debt not owed (12), problem with a lender or other company charging your account (3), false statements or representation (3).
Is Obligo legit?
Obligo is a real company with a public complaint record: consumers have complained about it 21 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Obligo legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Obligo?
Complain to Obligo in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Obligo complaints come from?
Most come from Florida (4), Georgia (3), Illinois (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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