Debt collection
January Technologies debt collection complaints
Consumers have filed 729 complaints about January Technologies's debt collection, 312 in the last 12 months (+27%). January Technologies answered 99% on time and closed 0% with relief. See the whole January Technologies record.
January Technologies against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | January Technologies | 312 | 99% | 0% |
Latest January Technologies debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 11, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jul 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jul 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 10, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 30, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jun 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 26, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jun 26, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Explained |
| Jun 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 18, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 12, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jun 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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