January Technologies, Inc
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 36 |
| 2023 | 58 |
| 2024 | 162 |
| 2025 | 290 |
| 2026 | 72 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for January Technologies, Inc
509 debt-collection complaints against January Technologies, Inc appear in the CFPB record - 82.4% of the 618 complaints filed about this entity. The 44 states and territories represented make this a nationwide operation by complaint volume. Consumers most frequently describe "Credit card debt" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 99.4%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is at or above benchmark levels, pointing to an intake process working as intended. Among resolved cases, 0% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does January Technologies, Inc have?
January Technologies, Inc has 509 debt collection complaints filed with the CFPB, representing 82.4% of all complaints against this company.
Does January Technologies, Inc respond to complaints on time?
January Technologies, Inc has a 99.4% timely response rate. This is considered excellent.
Does January Technologies, Inc provide relief to consumers?
January Technologies, Inc closed 0% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does January Technologies, Inc primarily collect?
January Technologies, Inc primarily collects "Credit card debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against January Technologies, Inc?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is January Technologies, Inc active?
January Technologies, Inc has received consumer complaints from 44 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.