Complaints

This profile includes complaints for Obligo Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Obligo Inc.

  900 Broadway Fl 5 New York, NY 10003-1237

  
• 

  Obligo Inc.

  900 Broadway Fl 5 New York, NY 10003-1237

  

The 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:05/19/2025

  Type:Service or Repair Issues
  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.

  American Avenue fraudulently charged lease end damages that were non existent.Obligo prematurely paid American Ave 14k, even though charges are under dispute, and are demanding money from me, and threatening to send the debt to collections.On 3/25/25, a walk through was done with a property engineer, who took photos. My actual move out was 4/7/25.I received a lease end damages ledger, totaling 1600$. Items included were trash and furniture removal, along with damages that were non existent. I repeatedly, on multiple emails and dispute links provided my time stamped photo evidence proving the ledger is wrong, and they blatantly lied. I repeatedly requested for them to provide their timestamped photo evidence dated on MOVE OUT, and specific receipts for repairs rendered, and they did not comply. The photos they sent were from the walk through on 3/25/25, which it says right at the top of their own invoice. They supplied no photos ON THE MOVE OUT DATE, they kept using the photos from 3/25. My photos are time stamped and dated 4/7/25.While my dispute was STILL UNDER REVIEW, they charged Obligio 14k as security deposit, which they are demanding from me. They gave 16k credit to ledger, but didnt tell Obligo. THEN, they sent ANOTHER ledger, with more charges, that were never included on the first ledger, and sent the SAME photos from 3/25, and i put in another dispute, sending my photos from 4/7/25. Obligo saw the second ledger, and despite the credit, is still demanding 14k from me, even though it needs to be payed back to Obligo by American Ave.This is a dishonest, deceitful, and predatory business practice. How can you do a final invoice/ledger, approve the dispute, then turnaround and do a second review and ledger items and charges not included in the original? Nothing changed,so why 2nd ledger? Obligo should not have paid the charges while still under dispute, and should get their money back from ************, not me.

  Business Response

  Date: 05/30/2025

  Hi *********,
  Thank you for sharing your feedback. Were sorry to hear about your experience and understand how frustrating this situation has been.
  Weve been in active communication with both you and the property manager to ensure your concerns are being addressed appropriately. The matter remains under review, and were continuing to work toward a fair and timely resolution.
  If you have any further questions or need additional support, please dont hesitate to reach out to us at ****************************************************************.
  Sincerely,
  The Obligo Team

• Initial Complaint

  Date:05/19/2025

  Type:Service or Repair Issues
  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.

  Im a single mother of 4 and in the process of moving because the place Im in has had so many leaks & floods and I really believe its mold somewhere but the new place Im moving to has a no deposit option which I definitely shouldve qualified for! The qualifications were just to have and active bank account thats been opened fit 6 months & NOWHERE did it say that you had to have a certain amount in the bank account so I applied and kept receiving a error message saying my bank account info couldnt be verified so I was thinking it was just something with the system and contacted the system support and then was told that I was verified but not qualified because I had to have atleast $351 in my account which again it says NOWHERE on the app,and was told even if I added the money it still wouldnt change anything so I then tried to add my other bank & still was getting the same message and still told that I was verified but no qualified and the woman Jinnelle that I spoke with acknowledged that it doesnt say you have to have a certain amount in account to qualify and she would pass the message to her higher up but it would still be nothing that they can do which is NOT fair at all not had to try to get $1755 for a deposit when i know I wouldve qualified for the no ************ pretty sure a lot of ppl dont know this and has also been getting denied which isnt right at all!! I even asked to speak with someone over her and still preceded to tell me that it still wouldnt change anything and that the senior support would give me a call but again still wont change anything and I never even received a call from the senior support only ******* so something is definitely not right with the company

  Business Response

  Date: 05/30/2025

  Hi ******,
  Thank you for reaching out, and were very sorry for the frustration you experienced during your application.Weve looked into your case and understand how the process may have been confusing. While your account was verified, there appears to have been a technical issue that affected how your status was displayed. We appreciate your patience as we worked to clarify things.Please know that youre welcome to reapply, and were here to help if you run into any issues. Feel free to contact us at **************************************************************** if you'd like assistance or have any questions.Sincerely,
  The Obligo Team

• Initial Complaint

  Date:03/17/2025

  Type:Sales and Advertising Issues
  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.

  I applied for Obligo to pre-qualify for a Townhouse and had to complete all the steps to complete my application. I decided not to go with the Townhouse after touring and was notified via email that my account was attempted to be charged $1950 for move-out fees. I never signed a lease with the property or was a tenant in the past. I contacted Obligo to prevent further charges with this property and intended to dispute it. The property refuses to close the records and continues attempting to charge my accounts. I have contacted Obligo several times to close my account and remove payment methods to prevent unauthorized charges. Obligo has refused to close this account or solve any unauthorized fees.

  Business Response

  Date: 03/20/2025

  Hi *****,
  Thank you for bringing this to our attention.  Obligo facilitates billing on behalf of property managers, and we strive to ensure all charges are handled accurately. We understand your concern regarding the charge from the property, and we appreciate your patience while we worked to resolve the matter.  Based on our understanding, your property manager has now agreed to waive this charge, so we have proceeded to close your account.  If you have any further questions or need additional assistance, please reach out to us directly at ****************************************************************.
  Thanks,
  The Obligo Team

• Initial Complaint

  Date:10/11/2024

  Type:Billing Issues
  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.

  My family has been getting charges on their accounts and I need it to stop, you are to only be charging one account and I cant even get access to my account to check anything. This is not what I thought this was going to be. If I knew it would be like this I would have never used Obligo. Especially since I have no idea what the charges are for since Ive had no emails and u arent giving me access to this account.

  Business Response

  Date: 10/21/2024

  Hi *****,
  
  Thank you for reaching out and sharing your concerns with us. We understand your frustrations, and we are here to help resolve it as quickly as possible.
  
  Based on our records, the charges youre seeing are for move-out charges. When you signed up for Obligo's deposit alternative, you agreed to stay responsible for any charges at move-out by your property manager. Unfortunately, several of these payments have not been successfully processed, which is likely why multiple charges are appearing.
  
  Weve made several attempts to contact you to discuss the situation, both via email and phone, but it seems we havent been able to connect. Our team would be happy to give you a call again at a time thats convenient for you to go over everything in detail. In the meantime, we've sent you an email summarizing the outstanding charges and the account status so you have full visibility. Additionally, if you're having trouble accessing your account, we can assist you with resetting your login credentials to ensure you can review all the details online.
  
  Please dont hesitate to contact us at ************************************ to let us know the best way to reach you, so we can get everything sorted out. Thank you for your patience, and we look forward to resolving this with you soon.
  
  Best,
  The Obligo Team

• Initial Complaint

  Date:08/27/2024

  Type:Service or Repair Issues
  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.

  I was told I was approved to use this service and now it says pending landlord review and they dont know what Im talking about, theyve never had to do this before and I have reached out as well and obligo cant tell me anything. I need to know if it was or wasnt approved thats it!

  Business Response

  Date: 08/27/2024

  Hi Sky,
  
  Our customer support team has reached out to resolve your issue, you've now been approved for Obligo! If you have any additional questions, please don't hesitate to reach out to us at ************************************. 
  
  Thanks

• Initial Complaint

  Date:05/15/2024

  Type:Service or Repair Issues
  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.

  I never requested or authorized this service. Received an email approximately April 14, ************************************ order to avoid deposit charges. My account has been debited for $215.46 without my authorization or agreement to use this company. There is no direct contact for this company, only an AI chat.

  Business Response

  Date: 05/29/2024

  Hi ********,
  
  We're sorry you had a negative experience with Obligo. After reviewing your account information, our Customer Support team reached out to your property manager who confirmed that you signed up with Obligo to fulfill your deposit requirement with them. The charge you incurred was the service fee for doing so. Our Customer Support team has reached out to you to provide additional options. If you have any remaining issues with your account, please reach out to us at ************************************.
  
  Thanks,
  
  The Obligo Team

• Initial Complaint

  Date:05/06/2024

  Type:Service or Repair Issues
  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.

  Took monthly charge then turned around and took out $85 without ANY prior authorization or contact randomly and abruptly just TOOK from my bank account

  Business Response

  Date: 05/08/2024

  Hi *****,
  We're sorry you had a negative experience with Obligo. Our Customer Support team has reached out to you to help resolve any issues remaining with your account. We apologize, and if you have any further questions, please reach out to us at ************************************.
  The Obligo Team

  Customer Answer

  Date: 05/08/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   

  Complete **** **** . *** had to constantly follow up to request a refund and am being told itll take more time when the transaction has FULLY posted on my bank account. So what now I have to email yall EVERY DAY until I get my money back? The money yall were NEVER supposed to take!

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *****************************
  
  
  
  
   
  

  Business Response

  Date: 05/13/2024

  Hi *****,
  Our Customer Support team has confirmed your refund has been fulfilled. We apologize again for your negative experience with Obligo. If you have any further questions, please reach out to us at ************************************.
  The Obligo Team

• Initial Complaint

  Date:02/07/2024

  Type:Billing Issues
  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.

  Obligo insured my security deposit for a property I rented in August 2023. I terminated the lease with landlord owing $1500 ONLY. The landlord falsely filed a claim with Obligo for $2500 for things I am not legally responsible for like the dryer according to ** state law. I submitted documents to validate this along with move in photos showing that the walls were not painted, or hangings being removed prior to my occupancy. The landlord seen this when my things were still in boxes and I did not take my things out of boxes the entire time I was occupying the home.Obligo, charged my account for the fraudulent charges $1000 more than what is due.the email screenshot hows the links to everything I shared with obligo

  Business Response

  Date: 02/21/2024

  Hi *******,
  
  We're so sorry you didn't have a positive experience with Obligo. After looking into the issue further, we've reduced your due balance to Obligo from $2500 to $1700. A member of our **************** team has reached out to you to answer any remaining questions you may have.If you have any additional concerns, please reach out to us at ************************************

• Initial Complaint

  Date:12/19/2023

  Type:Service or Repair Issues
  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.

  My cousin didn't have a bank account to use to get the service, The way I understood it is she would have to pay only a portion of her deposit. I also read the fine print. So I agreed to the $154 payment, plus another $50. Somehow I ended up getting charged over $600. I am livid. I'm reporting fraud. This is ridiculous. I did read the fine print. No mentions of any other monies being taken out until move out.

  Business Response

  Date: 12/21/2023

  Hi ******,
  
  Upon investigation, we determined that the landlord accidentally opened a second record for your cousin's lease. This triggered a duplicate Obligo application being generated, which your cousin completed. The additional charges were made to your account after your cousin initiated payment of the service fee and move-in fees for the second time in association with this application.
  
  As a result, we have closed the duplicate record and are in the process of refunding all charges related to that record. Your cousin now has only 1 open account with ********************. As you discussed with our customer support representative, once the refund is processed, your bank account should reflect a payment of $154.80 as a service fee and $199.16 as a move-in fee, charges totaling $353.96.We appreciate you bringing this issue to our attention.
  
  If you have any additional concerns, please reach out to us at ************************************.

• Initial Complaint

  Date:11/27/2023

  Type:Billing Issues
  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.

  I moved out of my apt 15 months ago and Obligo continued to charge me $15.90 per month for the deposit on the apartment. I brought this to their attention so Obligo stopped automatically withdrawing funds from my Savings account, but only refunded me 3 months.

  Business Response

  Date: 12/01/2023

  Hi ********,
  
  When you originally reached out to us about being charged our service fee after moving out of your rental, we promptly contacted your landlord, who confirmed a move-out date of May 31, 2023.
  
  Based on that confirmation, we refunded service fees for any months after that date, a total of 5 months. Due to our payment processor's limitations, we were only able to refund 3 of the 5 months' fees to the original payment method, but the remaining 2 months' refunds were sent as **** eGift cards to the email address you provided, and receipt was confirmed.
  
  We do not participate in disputes between renters and landlords regarding the underlying lease obligations - that must be resolved between you and your landlord.  If a new move-out date is agreed upon and documented by the landlord, we are happy to review that new information and refund you as needed. If you have any additional concerns, please reach out to us at ************************************.