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Data / Consumer complaints / January Technologies, Inc

January Technologies, Inc: 782 CFPB consumer complaints in the last 3 years

January Technologies, Inc drew 782 consumer complaints in the CFPB database in the three years to November 6, 2026, and 866 since 2022. The largest group, 663, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 254. The company responded on time to 99.5% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 782Complaints, last 3 years
  • 866Complaints, all years
  • 99.5%Responded on time
  • 0.0%Closed with relief
  • 7Products
  • Oct 27, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6320
2025290
2024162
202358
202236

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection66384.8%
Credit reporting or other personal consumer reports10413.3%
Credit card60.8%
Debt or credit management50.6%
Checking or savings account20.3%
Money transfer, virtual currency, or money service10.1%
Payday loan, title loan, personal loan, or advance loan10.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed25432.5%
False statements or representation12315.7%
Electronic communications11915.2%
Written notification about debt9311.9%
Incorrect information on your report435.5%
Communication tactics334.2%
Improper use of your report303.8%
Problem with a company's investigation into an existing problem293.7%
Took or threatened to take negative or legal action273.5%
Threatened to contact someone or share information improperly141.8%
Didn't provide services promised30.4%
Credit monitoring or identity theft protection services20.3%
Problem with fraud alerts or security freezes20.3%
Advertising and marketing, including promotional offers10.1%
Confusing or misleading advertising or marketing10.1%
Fees or interest10.1%
Fraud or scam10.1%
Getting a credit card10.1%
Other features, terms, or problems10.1%
Problem caused by your funds being low10.1%
Problem when making payments10.1%
Problem with a lender or other company charging your account10.1%
Problem with customer service10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation782100%

States

StateComplaintsShare
Texas9712.4%
California7810%
Florida729.2%
Georgia557%
Pennsylvania364.6%
Illinois344.3%
New York314%
Maryland263.3%
Michigan263.3%
North Carolina263.3%
New Jersey263.3%
Ohio263.3%
South Carolina253.2%
Virginia243.1%
Tennessee202.6%
Arizona162%
Alabama141.8%
Massachusetts121.5%
Minnesota111.4%
Connecticut101.3%
Nevada101.3%
Louisiana91.2%
Wisconsin91.2%
Arkansas81%
Delaware81%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 27, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 19, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 15, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 12, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 9, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
October 9, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 9, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 3, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 3, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 26, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 25, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 24, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 23, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 23, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 23, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 17, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
September 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 13, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 13, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 13, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 12, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.