Total CFPB complaints
511
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 511 complaints
January Technologies, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about January Technologies, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
200 complaints
- Electronic communications 77
Electronic communications
77 complaints
- False statements or representation 72
False statements or representation
72 complaints
- Written notification about debt 68
Written notification about debt
68 complaints
- Took or threatened to take negative or legal action 24
Took or threatened to take negative or legal action
24 complaints
- Communication tactics 16
Communication tactics
16 complaints
F
Grade F · 49.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about January Technologies, Inc?
January Technologies, Inc has accumulated 511 total CFPB complaints across 42 states, with 247 filed in the most recent 12 months against 264 historical complaints before that window. The trailing-12-month volume represents 48.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 42 states, led by Texas with 64 and Florida with 54, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.2/100 places January Technologies, Inc in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
247
48.3% of total history
Rising ↑
States active
42
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
49.2/100 composite
Response-quality profile
How January Technologies, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 75.0%
Share of US states + territories with at least one filed complaint against this collector.
How does January Technologies, Inc compare to its peers?
January Technologies, … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed200 (%)
False statements or representation72 (%)
Electronic communications77 (%)
Written notification about debt68 (%)
Took or threatened to take negative or legal action24 (%)
Communication tactics16 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 113 |
| False statements or representation | Attempted to collect wrong amount | 72 |
| Attempts to collect debt not owed | Debt was result of identity theft | 59 |
| Electronic communications | Frequent or repeated messages | 56 |
| Written notification about debt | Didn't receive enough information to verify debt | 53 |
| Attempts to collect debt not owed | Debt was paid | 28 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 24 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 21 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 16 |
| Written notification about debt | Didn't receive notice of right to dispute | 15 |
Where do complaints against January Technologies, Inc come from?
The states where consumers have filed the most CFPB complaints against January Technologies, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against January Technologies, Inc
Across 42 states with at least one filing
- Texas
Texas
64 complaints
- Florida
Florida
54 complaints
- California
California
49 complaints
- Georgia
Georgia
35 complaints
- New York 24
New York
24 complaints
- Pennsylvania 20
Pennsylvania
20 complaints
- North Carolina 19
North Carolina
19 complaints
- Illinois 19
Illinois
19 complaints
Frequently Asked Questions
What is the most common complaint against January Technologies, Inc? ▼
The most common issue consumers report about January Technologies, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 511 complaints filed with the CFPB.
Are complaints against January Technologies, Inc increasing or decreasing? ▼
Complaints against January Technologies, Inc are rising. The company received 247 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is January Technologies, Inc's reputation grade? ▼
January Technologies, Inc has a reputation grade of F (score: 49.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does January Technologies, Inc respond to consumer complaints? ▼
January Technologies, Inc has a 100% timely response rate to CFPB complaints.
In how many states does January Technologies, Inc operate? ▼
January Technologies, Inc has received CFPB complaints from consumers in 42 states, with the most complaints from Texas (64 complaints).
What can I do if January Technologies, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If January Technologies, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |