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

Data updated July 2026

F

Grade F · 49.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: January Technologies, Inc ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 616 all-time complaints and a 100% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
616
CFPB complaints, all-time
100%
answered inside the CFPB window
286
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about January Technologies, Inc?

January Technologies, Inc has accumulated 616 total CFPB complaints across 42 states, with 286 filed in the most recent 12 months against 330 historical complaints before that window. The trailing-12-month volume represents 46.4% 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". The company posts a 100% timely-response rate.

Complaints have been recorded across 42 states, led by Texas with 77 and Florida with 64. Normalized against the full CFPB collector database, the reputation score of 49.2/100 places January Technologies, Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

616

mid-volume (CCDB)

Last 12 months

286

46.4% of all-time complaints

Rising ↑

States active

42

multi-region footprint

Timely response rate

100%

excellent band

Reputation grade

F

49.2/100 composite

How does January Technologies, Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 13% higher than 13% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

January Technologies, Inc versus the debt-collection vertical average.

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?

How does January Technologies, Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
January Technologies, … 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.

Complaint Trend (24 months)

2023-10 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if January Technologies, Inc contacts you

A grade of F signals how January Technologies, Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really January Technologies, Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how January Technologies, Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 616 complaints filed with the CFPB.

Are complaints against January Technologies, Inc increasing or decreasing? ▼

Complaints against January Technologies, Inc are rising. The company received 286 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (77 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.