ObligoReviews of myobligo.com

Obligo is terrible. I honestly have no idea where the 5-star reviews on their website are coming from because my experience was completely frustrating. The website is confusing to navigate, and customer support was completely unhelpful. I spoke with Kylie from Obligo Support, who offered zero real assistance and just pushed me off to my property management company. On top of that, they charged my account without being properly connected, and their only advice was to "do nothing" and claim it would just drop off. Shady practices and useless support. Save yourself the headache and do not use this service.

Obligo continuously targets outstanding my rental credit history, by placing fraudulent charges. Last year, I had appealed it at all 3 credit bureaus and won, since I had more than sufficient proof. This year, they have done so again. I appealed at the third party collections agency they sent to represent their fraudulent account. They also realized that these were bogus claims and removed themselves as intermediaries, no longer wanting to represent Obligo. Do not trust or utilize this company. It's is a fake brand who does not honor their own policies and has a complete disregard for the law. They are relentless. I am now relieving harassing emails and no phone calls about how I must pay them, even though they are at fault for pursuing false charges from the property. Sending them all documentation sent to the credit bureau have been ignored. What a nightmare!

When I signed up for Obligo, my understanding was that I would pay a portion of the deposit yearly until the deposit amount was met. However, now the outrageous "service fee" of +$700 I paid them wasn't going to my deposit at all. It was only the cost to forego the whole deposit and make payments the next year. $700+ down the drain. Obligo calls $700+ a "small fee". Where on planet earth is that a small fee? They call it a small fee compared to the deposit. Had I known this, I would have got the money for the deposit OR looked elsewhere. This is another company that has found a way to take advantage of people in need.

I worked with Obligo to handle a holding fee for a house I was considering renting through Real Property Management. About a month ago I paid said holding fee and took a look at the house. I loved the house and told my RPM account manager I wanted to move forward. Here’s where the issues began. The first problem was the rent. Online the house was listed at $1199 a month. After seeing the house and paying the holding fee, the monthly rent suddenly jumped to almost $1500 a month. When I asked why, I was sent a list of 7 differently named fees to talking $280 a month that would be added on top of the $1199 rent. I immediately told RPM I would not be moving forward with a company that uses such false advertising and dishonest marketing tactics. I reached out to Obligo to see if there was any way of getting some or all of that holding fee (of $500) refunded seeing as how it had been less than 2 days since I paid it and how the house was still listed online as for rent. (Strange way to hold a property) My account manager with Obligo said that they absolutely would refund the money as soon as RPM closed my account on their end. Once the account was closed, however, my obligo rep would no longer take my calls nor respond to any emails. A few days later I got an email saying that in 2 weeks I’d be charged a $1900 MOVE OUT fee for the property and requesting a payment method. I immediately reached out to obligo ti remind them that I never lived in the property, never signed a lease on the property, and that they had no right to take this money. The rep I spoke with said they would immediately escalate my case to fix this. I’ve called 4 times since then to verify this had been resolved so that I wouldn’t be charged a $1900 move out fee on a property I never moved in to. That was 2 weeks ago. Today I got an alert from my bank that Obligo was trying to charge $1900. Thankfully my bank isn’t a part of this obvious scam and they immediately blocked the charge. When I called obligo to try to resolve this I was told I would need to pay this before I could speak with an account manager. At this point I hung up. So, if you don’t want to pay $2000 to move out of a property you never moved in to and never signed a lease for, I would not work with Obligo

It's important for everyone to understand that this company's promises and statements do not obligate your landlord in any way, and once you opt "in" you can't get out. Months after I paid my security deposit and moved in, Obligo reached out using confidential information available to them only because they were in some way connected through the landlord's payment processing company. They promised that if I signed up, my landlord would refund my security deposit. After signing up and paying the annual fee, the landlord wanted nothing to do with this "service" and would not refund my deposit. So I paid for nothing. Nearly a year into this mess, including 10+ demands for a refund and to get out of the scam of a non-existent "service", Obligo refuses to take action. According to them, the landlord, who does not acknowledge Obligo as part of the relationship here, is the only one that can cancel this service. Very soon, I will be cancelling my checking account to put an end to this nightmare and contacting the Attorney General's office. Beware: this service may work before you get in the door (I don't know), but it doesn't work after, and Obligo is absolutely predatory in their refusal to solve the problems that they created through false advertising and misrepresentation.

Trash. I was eligible to pay 10% of my deposit but the service continued to error indicating that “the option wasn’t available yet”. When reaching out to support they stated because I did not have the full deposit amount in the connected account (not the 10%, the full deposit) that I was not eligible for the service? Why not just spell that prerequisite out when going to submit. It’s dumb to assume I keep all my money in a bank account that doesn’t accumulate APY. You told me it’d be $50 so the account has $50. If it’s actually checking for $500 just say that- don’t expect people to just know these “systematic limitations”. Or just don’t offer the service to begin with if you don’t even know how it works. Just absolutely idiotic concept that was nothing but a waste of my time and energy

Their support is some of the worst I have ever experienced on an online service. Their response time through the chat is horrific. There is no way to contact them other than the chat and email. I have yet to have received any response on how to change the credit card I wanted to use for my security deposit.

Moved out of my apartment and was also charged my full deposit...what's the point of this service? I lived for 2 years and paid over $400 in fees only to get charged my full deposit anyway. Wouldn't recommend using this service