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

CFPB complaint data Grade B 9 complaints

Obligo Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade B.

Complaints by issue type

What consumers report about Obligo Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 9
  • GRADE B
  • 12MO 7
  • STATES 8
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #2,629
  • COMPOSE Not ranked

Volume peers

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

1st Results Billings & Collections, Inc.1st Results Billings & Colle…92233 Paradise Road LLC2233 Paradise Road LLC9A-1 Premium Acceptance, Inc.A-1 Premium Acceptance, Inc.9Account Control BureauAccount Control Bureau9Obligo Inc. (this)Obligo Inc. (this)9
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 →

How the 9 complaints break down

Every complaint issue type on record for Obligo Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
63.6/100
Obligo Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume C
9
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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)
Corpus ranks
#2,629 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
7
0
268
Timely-response ratehigher is better
100%
60%
91%
Consumer-dispute ratelower is better
0%
11%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Obligo Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 6 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 50%60%70%80%90%100%110% 0%50%100%150% Timely response rate (%) Dispute rate (%) Obligo Inc. vs. 6 similar-volume peers, by response speed and dispute rate Northeast Receivables Management, LLCNeiman, Stone & McCormick , P.C.Penncro Associates, Inc.NORTHWAY BROKER LTD.Pono Ventures Inc.Moody, Jones & Ingino, P.A
Source: CFPB Consumer Complaint Database

Obligo Inc.'s complaint volume in context

Obligo Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

9 51st percentile higher than 51% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Obligo Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Obligo Inc.

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.