CFPB Consumer Complaint Profile
January Technologies, Inc
What 618 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 618
- Total complaints
- Above average
- 283
- Last 12 months
- 99.4%
- Timely response
- Above median
- 44
- States affected
The verdict
January Technologies, Inc ranks #448 of 3,843 financial companies by CFPB complaint volume, with 618 complaints on record. It posts a 99.4% on-time response rate, the 69th percentile among companies with 100+ complaints.
- #448
- of 3,843 companies by volume
- 99.4%
- on time (69th pctile)
- Debt collection
- most-complained product
- 44
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
January Technologies, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.4% Higher than most higher than 69% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 162 in 2024 to 290 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 36 |
| 2023 | 58 |
| 2024 | 162 |
| 2025 | 290 |
| 2026year in progress | 72 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for January Technologies, Inc
618 complaints against January Technologies, Inc appear in the CFPB record, including 283 from the trailing year. The 44 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
January Technologies, Inc's timely response rate stands at 99.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does January Technologies, Inc have?
The CFPB has logged 618 complaints against January Technologies, Inc to date, of which 283 came in over the last 12 months.
Does January Technologies, Inc respond to complaints on time?
January Technologies, Inc has a 99.4% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for January Technologies, Inc?
Among all products tied to January Technologies, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with January Technologies, Inc?
The most common issue reported by consumers about January Technologies, Inc is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against January Technologies, Inc?
You can file a complaint against January Technologies, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about January Technologies, Inc?
Consumers in 44 states and territories have filed complaints about January Technologies, Inc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.