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

CFPB complaint data Grade F 616 complaints

January Technologies, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade F.

Complaints by issue type

What consumers report about January Technologies, Inc

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

Data updated September 2026

CFPB complaint disposition

CCDB record january-technologies-inc January Technologies, Inc

Grade F · 616 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #229 · compose #463

  • VOL 616
  • GRADE F
  • 12MO 286
  • STATES 42
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #229
  • COMPOSE #463

Volume peers

Nearest volume peer: ResidentCollect, Inc. (617 complaints)

Merchants' Credit Guide CompanyMerchants' Credit Guide Comp…613January Technologies, Inc (this)January Technologies, Inc (t…616ResidentCollect, Inc.ResidentCollect, Inc.617Io, Inc.Io, Inc.620Millco ManagementMillco Management620
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

January Technologies, Inc's 616 CFPB complaints sit next to ResidentCollect, 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 616 complaints break down

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

Reputation score breakdown

F
Composite reputation score
46.7/100
January Technologies, 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 F
616
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

January Technologies, Inc spreads filings across 42 states - Texas leads at only 12.5%

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%
Texas still leads at 12.5% across 42 states
Seasonal peak
2026-03 8.1%
8–15% band · 3 filings
Corpus ranks
#229 volume
#463 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does January Technologies, Inc compare to its peers?

How does January Technologies, 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
January Technologies, Inc National average
Complaints (last 12 mo)lower is better
286
166
268
Timely-response ratehigher is better
100%
71%
91%
Consumer-dispute ratelower is better
0%
32%
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 January Technologies, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) January Technologies, Inc vs. 9 similar-volume peers, by response speed and dispute rate ResidentCollect, Inc.Merchants' Credit Guide CompanyMillco ManagementSynovus BankIo, Inc.Lendmark Financial ServicesKBR INC DBA RASH CURTIS & ASSOCIATESUSCB, Inc.Financial Credit Service, Inc.
Source: CFPB Consumer Complaint Database

January Technologies, Inc's complaint volume in context

January Technologies, 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)

616 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. January Technologies, 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 ↑
2023-10 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
251
False statements or representation
101
Electronic communications
95
Written notification about debt
87
Communication tactics
38
Took or threatened to take negative or legal action
31
Threatened to contact someone or share information improperly
13

Where do complaints against January Technologies, Inc come from?

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

Top states by complaints against January Technologies, Inc

Across 42 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 January Technologies, 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: 616.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.60861056751467%.

4 peers

Know your rights before responding to January Technologies, 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.