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: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 ************************************.
  

• Initial Complaint

  Date:07/05/2023

  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 was living in Stuytown from 2021 to 2023. I already confirm we end the lease and move out before 30 May.I've been in touch with Obligo's customer service by email and ******** accounting by calling before, and the ******** accounting department tells me they will contact Obligo and return the extra money.My lease ended on May 31, 2023. I already confirmed the ending lease I signed and I am finished my moving out from the community. I return the keys on 30 May and clean out everything in the apartment.Obligo charged me extra unreason money for the Obligo service, it charged for June 1st to June 23rd. Now they charge another month of service($205.9) on 23 June.The fee of $205.9 is a whole month from 05/23/2023 to 06/23/2023. There are 23 days in June that were charged for no reason.Plus whole month's fee of $205.9 after June 23.It's clear to see my lease end on May 31, 2023.

  Business Response

  Date: 07/07/2023

  Hi *****,
  Thank you for reaching out and we apologize for the miscommunication. When your move-out was confirmed by your property manager on June 27th, your Obligo account was closed and a refund was issued to you for the June ******* fee, along with a prorated refund for the month of May. 
  We do thank you for providing us with this feedback, as it will help us improve our resident communications. Please feel free to contact us at ************************************ if you have any additional questions or concerns.
  
  

• Initial Complaint

  Date:03/13/2023

  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.

  This company works with SCUDO (the worst) in sending back deposits and whatever else it may be. On February 23rd, 2023, I received an email saying I would receive my deposit back; well, I should've received it back in February of 2022 because I left and took off the lease in Jan 2022. Anyways, the email had me fill out my bank information for the receival of my deposit back in **** business days, however on the 10th day of counting on my money finally being mine again, they called me from a ******** number and said that email was sent by mistake. which is not acceptable from a professional establishment.

  Business Response

  Date: 03/24/2023

  Hi ******,
  The email you received from Obligo on February 23rd, 2023 indicating that your property manager had initiated a return of your security deposit, was unfortunately sent in error. When you moved out of your property in February 2022, your security deposit was withheld based on charges assessed by your property manager, Scudo. In February 2022, ***** provided you with a distribution letter detailing the charges due under your lease and explaining that your security deposit would be withheld in full.  ******************** representative reached out to you to explain the situation and to provide you with a gift card as a courtesy for the miscommunication.  We appreciate and acknowledge that the email may have caused initial confusion, given that you had moved out of the property over a year ago, and do apologize again for any inconvenience.