What is the most common complaint against Obligo Inc.?

The most common issue consumers report about Obligo Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 9 complaints filed with the CFPB.

Are complaints against Obligo Inc. increasing or decreasing?

Complaints against Obligo Inc. are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Obligo Inc.'s reputation grade?

Obligo Inc. has a reputation grade of B (score: 63.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Obligo Inc. respond to consumer complaints?

Obligo Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Obligo Inc. operate?

Obligo Inc. has received CFPB complaints from consumers in 8 states, with the most complaints from California (1 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Obligo Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

6
False statements or representation

2
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record obligo-inc Obligo Inc.

Grade B · 9 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2629 · compose #1924

VOL 9
GRADE B
12MO 7
STATES 8
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #2,629
COMPOSE #1,924

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Obligo Inc.'s 9 CFPB complaints sit next to 1st Results Billings & Collections, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Obligo Inc. spreads filings across 8 states - California leads at only 11.1%

Despite a broad state map, Obligo Inc. still sits volume #2,629 against composite #1,924 - the two RankMaps diverge by 705 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 11.1% across 8 states
Even monthly load: Peak under 8%; Highest month 2014-01 at 6.5% (2 filings)
Divergent corpus ranks: #2,629 volume; #1,924 composite; Cleanest-composite ladder is 705 places better than volume

How does Obligo Inc. compare to its peers?

How does Obligo Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Obligo Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

60%

91%

Consumer-dispute ratelower is better

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-12 2020-08

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	6
False statements or representation	2
Took or threatened to take negative or legal action	1

Where do complaints against Obligo Inc. come from?

Obligo Inc.'s own per-state count, not a national baseline.

California

1
Colorado

1
Florida

1
Georgia

1
Mississippi

1
Nebraska

1
Ohio

1
Pennsylvania

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Obligo Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 9.

4 peers

Know your rights before responding to Obligo Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.