Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: FCRA Collection Dispute Request for Validation To Whom It May Concern,I am disputing the accuracy of the following Ace Cash Express account listed on my credit report:Creditor Name Account Number Balance Owed Under the Fair Credit Reporting Act (FCRA) 611, I request that you verify and validate this account by providing:Proof of ownership of the account A copy of the original agreement with my signature A detailed payment history and breakdown If you cannot provide proper validation within 30 days, the account must be deleted from my report immediately as required by law.Sincerely,********* ******

  

  Business Response

  Date: 04/15/2025

  April 8, 2025

  Re:  Complaint ID ********

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Bureau.  Please let this serve as Januarys response thereto.

  January prides itself in ensuring empathetic collections and customer service. We regret to read of the concerns raised by *** ********* ******. This response contains information that should help clarify some of the concerns raised by *** ******. 

  By way of background, Ace Cash Express, employed January to assist it in attempts to collect delinquent accounts.  On ***********************, 2025, January sent communication to *** ****** to that end, advising of our involvement and providing contact information for our company and information about the debt.

  In response to *** ******* email dated February 27, 2025, January is no longer handling collections for this account as of that date.

  Please note that January does not report to credit bureaus. If *** ****** has concerns regarding her credit score, we recommend she reach out to the credit bureaus directly.

  For any further inquiries or requests related to this matter, we advise *** ****** to contact the creditor directly.
  

  
  

• Initial Complaint

  Date:03/31/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They are a collection agency repeatedly trying to collect a debt that does not belong to me for a person that is not me. I have asked them to stop contacting me and they continue to do so. The person is from ******** with debt in ******** I am in ***********.

  

  Business Response

  Date: 04/10/2025

  April 4, 2025

  Re:  BBB Complaint ID ******** 

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Bureau.  Please let this serve as Januarys response thereto.

  January prides itself in ensuring empathetic collections and customer service. We hope this response serves to add clarity and context to the situation, and we encourage *** ******* to contact us using the below information if they have additional questions. 

  We have reviewed our records related to this matter and, as of March 29, 2025, confirmed that *** ******* will no longer receive email messages at the specified address. As always, we remain committed to resolving any confusion or concerns. If *** ******* has any additional questions, we encourage her to contact us directly **************************************************************.
  

  
  

  Customer Answer

  Date: 04/15/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   

  I have told them several times that I was not the person that they were looking for and they were still contacting me prior to me reaching out to BBB. Their response was that the company they were collecting for verified my information  and that I needed to make a payment. I am not satisfied. They need a better verification process because I was able to find the person they were looking for within minutes on ******  

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ******** *******
  
  
  
  
   
  

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I make payments totaling $358 to January which brought my account to paid in full. My credit report now needs to reflect my balance is paid in full

  

  Business Response

  Date: 03/21/2025

  March 12, 2025

  Re:  BBB Complaint ID ********

  January ****************** (January) is in receipt of the above-referenced submission to the Bureau.  Please let this serve as Januarys response thereto.

  January prides itself in ensuring empathetic collections and customer service. This response contains information that should help clarify some of the concerns raised by *** *******

  By way of background, ******************, employed January to assist it in attempts to collect delinquent accounts.  On October 24, 2024, January sent communication to *** ****** to that end, advising of our involvement and providing contact information for our company and information about the debt. 

  Our records show that *** ****** contacted our office multiple times for assistance with submitting and modifying negotiated offers. According to our system, she opened a dispute and accepted an approved negotiated offer of $358.00 from the creditor on December 21, 2024, through her borrower portal account. On ******************** 5, 2025, she canceled the dispute and set up a biweekly payment of $18.85, scheduled to begin on January 18, 2025.
  
  The account was paid in full through a series of four (4) payments. Three payments of $18.85 were made on January 18, 2025, February 8, 2025 and February 15, 2025. A final payment of $301.45 was made on February 22, 2025, completing the balance in full. A payment confirmation letter verifying the paid-in-full status was sent to *** ****** on February 23, 2025. The notice may serve as proof that the balance has been resolved.
  
  Additionally, our client reviewed *** ******* account and confirmed that it has been settled. However, due to the timing of the payment and the settlement closure, the account will not be reported as settled until April 6, 2025. A settlement completion letter was sent to *** ****** on March 8, 2025.
  
  We (January) do not report to credit bureaus. If *** ****** has a concern about her credit score, we advise her to contact the credit bureaus directly.
  

  
  

• Initial Complaint

  Date:03/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  March ****** January technologies ********************************************** RE: Notice of Violation of the Fair Debt Collection Practices Act Dear January technologies I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act (FDCPA), 15 USC ********p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.With that, my demands are as follows: 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file;2. A settlement agreement that I may retain for my records.3. Monetary compensation in the amount of $1,000. While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.Sincerely,********* ***** Account Number **** 

  

  Business Response

  Date: 03/18/2025

  March 7, 2025

  Re:  BBB Complaint ID ********

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Bureau.  Please let this serve as Januarys response thereto.
  
  January prides itself in ensuring empathetic collections and customer service. This response contains information that should help clarify some of the concerns raised by *** ********* *****.
  
  Affirm's records indicate that loan ********* was processed on November 28, 2023, for a purchase with the merchant, BeautyFix MedSpa, in the amount of $2,200.00. This loan has terms of *****% Annual Percentage Rate (APR) and 12 monthly payments of $199.61 due on the 28th of each month. 
  
  *** ********* ***** processed seven payments of $199.61 from December 29, 2023, to June 28, 2024. One payment of $10.00 was processed on August 14, 2024, and one payment of $189.61 was processed on August 23, 2024. No payments were processed after August 2024 and the loan became 120 days overdue. The loan was charged off to Affirms third party collections agency, January Technologies on December 27, 2024.
  
  ****** encourages all customers to make payments on or before the scheduled due date. Customers wont incur any late fees, but late payments may impact their ability to take out future loans with Affirm. If a payment is 30 or more days overdue some loans may be reported to Experian as delinquent. If payments are more than 120 days overdue, ****** reserves the right to refer the loan to one of our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible.
  
  Please note, ****** has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified. At this time we have confirmed that all credit reporting is accurate and will have to respectfully decline her request to remove credit reporting for loan **********
  
  By way of background, ************* employed January to assist it in attempts to collect delinquent accounts. On ******************** 3, 2025, January sent communication to *** ***** to that end, advising of our involvement and providing contact information for our company and information about the debt. 
  After reviewing our records, we assisted *** ***** through chat on March 5, 2025, addressing her questions regarding submitting a negotiated offer and pay-for-delete of the account. We informed *** ***** that January does not report to credit bureaus and provided the appropriate contact information for credit reporting inquiries. Furthermore, we advised that payments could take up to 45 days to be processed by the creditor.
  
  Additionally, we have reviewed our records relating to this matter and did not find any non-compliance with relevant laws or statutes, nor did we find any evidence of the violations alleged in the complaint to the Bureau.
  
  Since January does not report to credit bureaus, any credit-related concerns should be directed to *********** at ************** or the relevant credit bureaus for further assistance.
  
  Affirm has not received any communication from *** ***** to date on this loan. 
  
  For your convenience, Affirm has attached the Truth in Lending disclosure, as well as the loan verification document, associated for this loan. Together, these documents provide the validation that she has requested.
  
  We have halted all further communications with *** ****** but we encourage her to contact us directly with any additional questions or concerns.  We can be reached, toll-free, at ************** and by email at ******************************** between the hours of 9am to 7pm Eastern Time.
  
  In the event she has any questions or concerns for Affirm, we encourage her to reach out to 
  ******************************************
  
  
  

  
  

• Initial Complaint

  Date:02/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Account was paid in full and I would like this account removed from my credit report

  

  Business Response

  Date: 03/07/2025

  February 26, 2025

  Re: BBB Complaint ID ********

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Bureau. Please let this serve as Januarys response thereto.

  January prides itself in ensuring empathetic collections and customer service. We hope this response serves to add clarity and context to the situation, and we encourage ******* **** to contact us using the below information if they have additional questions.

  By way of background, Affirm, ***** employed January to assist it in attempts to collect delinquent accounts. On July 9, 2024, January sent communication to *** **** to that end, advising of our involvement and providing contact information for our company and information about the debt.

  After reviewing our records, we confirmed that *** **** was approved for a negotiated amount of $38.00 on February 19, 2025, which was accepted the same day.

  On February 19, 2025, *** **** submitted a payment for the full negotiated amount, resolving the matter. A payment confirmation letter was sent the same day. The letter informed *** **** that payments can take up to 45 days to be processed by the creditor.

  Please note that January is not a debt-buyer; rather, January was employed by the creditor to assist it in its collection efforts. Additionally, we (January) do not report to credit bureaus. If *** **** has a concern about their credit score, we advise her to contact ************, at ************** and/or the credit bureaus directly.

  Affirm's records indicate that loan 8Q05-I9CS was processed on October 2, 2023, for a purchase with the merchant, Amazon, in the amount of $305.83. This loan has terms of *****% Annual Percentage Rate (APR) and 6 monthly payments of $44.42 due on the 2nd of each month. The loan required a down payment of $61.17 that was processed on September 28, 2023, leaving a residual loan amount of $244.66. The payment due on March 2, 2024 was not satisfied in full and the loan was charged off on July 1, 2024 as the payment became 120 days past due. A payment of $38.00 was processed with Affirms third party collection agency on February 21, 2025. An adjustment of $6.42 was applied to the balance of the loan on the same date and the loan was settled. 

  Affirm encourages all customers to make payments on or before the scheduled due date. Customers wont incur any late fees, but late payments may impact their ability to take out future loans with Affirm. If a payment is 30 or more days overdue some loans may be reported to Experian as delinquent. If payments are more than 120 days overdue, ****** reserves the right to refer the loan to one of our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible. 

  The reporting of the loan will be updated to reflect the paid status within ***** days. However the history of charged off status will remain.
  
  On February 22, 2025 and March 4, 2025, Affirm received notice from Experian that *** **** disputed the accuracy of credit reporting associated with loan 8Q05-I9CS. ****** reviewed the dispute submitted on February 22, 2025 to find that the loan was reported accurately. The dispute opened on March 4, 2025 is pending review.

  Please note, ****** has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified. Furthermore, this was disclosed on Affirms Terms of Use and Privacy Policy as well as her Loan Agreement which she consented to and approved when she obtained Affirms loan. More information on Affirm's Terms of Service can be found here: ****************************

  At this time we have confirmed that all credit reporting is accurate and will have to respectfully decline *** ***** request to remove credit reporting for loan **********

  In the event she has any further questions or concerns, we encourage her to reach out to ******************************************.
  

  
  

• Initial Complaint

  Date:02/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  January technologies purchased loan from ****** before 120 day ***** The payment for 9/27/24, was made on 10/4/24. Therefore, the next payment due date was 10/27/ 2024.The correct 120-day **** would be 120 days from October 27, 2024, which is February 27 2025.Despite the fact that the 120-day period had not yet been reached, my account was sold to collections on February 2, 2025, which is before the 120-day *****According to both federal regulations (such as the Truth in Lending Act) and California law, accounts cannot typically be charged off until they are 180 days past due. This account was sent to collections on February 2, 2025, which is prior to the 120-day **** and well before the 180-day period for charge-offs. As such, the account was sent to collections prematurely.Given this information, I respectfully request that this matter be reviewed and corrected. I ask that the status of the account be updated to reflect the accurate payment timeline and that the collection action be reversed.Please confirm in writing once this matter has been resolved. I look forward to your prompt attention and cooperation in correcting this issue.

  

  Business Response

  Date: 03/06/2025

  February 21, 2025

  Re:  Complaint ID ********

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Bureau.  Please let this serve as Januarys response thereto.

  January prides itself in ensuring empathetic collections and customer service. This response contains information and documentation that should help clarify some of the concerns raised by *** ****** *****.

  By way of background, ***********. (Affirm), employed January to assist it in attempts to collect delinquent accounts. On February 7, 2025, January sent communications to *** ***** to that end, advising of our involvement and providing contact information for our company and information about the debt.

  To clarify, our company is not a debt buyer; we do not purchase debts. Instead, we are employed by our client solely to assist with account collections. 

  After reviewing our records, we confirm that *** ***** initiated a dispute on February 11, 2025, requesting validation of the debt. Affirm subsequently investigated her request and resolved the dispute by validating the debt on February 18, 2025. 

  January received additional communications from *** ***** regarding this matter, and as of February 19, 2025, January is no longer servicing the account. *** ***** is advised to contact the creditor directly for further details.
  Please note, we (January) do not report to credit bureaus. If *** ***** has a concern about her credit score, we advise her to contact Affirm at ************** and/or the credit bureaus directly.
  
  Please see Affirms response below:

  Affirms records indicate that loan HQBA-5KJ2 was processed for $476 on June 27, 2024, for a purchase with **********. The agreed upon repayment terms were 6 installments of $79.33 at an Annual Percentage Rate (APR) of 0% with payment due on the 27th of each month. The loan received an adjustment of $0.11 on July 17, 2024. The loan shows two processed payments of $79.33 and $80 on July 29 and October 4 2024 respectively. No further payments were processed after October 2024. The loan did not receive payments for 120 days and because of this was charged off. The loan charged off to Affirm on January 26, 2025. In order to make payments she may call Affirm and an agent will be happy to help her make the payment. Once the payment is made it will take one business day to reflect on her Affirm account. She may call Affirm at **************. We are available 7 days a week from 7am - 10pm CT. As of February 24, 2025, the loan reflects a charged off amount of $311.56.

  Affirm encourages all customers to make payments on or before the scheduled due date. Customers wont incur any late fees, but late payments may impact their ability to take out future loans with Affirm. If a payment is 30 or more days overdue some loans may be reported to Experian as delinquent. If payments are more than 120 days overdue, ****** reserves the right to refer the loan to one of our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible.

  *** ***** reached out to Affirm on February 17, 2025 via a webform submission to dispute the date the loan was charged off. *** ******* payment in the month of October was adjusted towards her due on August 27, 2024 as no payments were made in the months of August and September. As a result the loan was 120 days overdue on January 25, 2025. As per our investigation ****** confirms that the loan was accurately charged off on January 26, 2025 as the loan was more than 120 days overdue at that point.

  At this time Affirm has reviewed and found that the charge off date is accurate and a correction is not required.

  In the event that she has any further questions or concerns, we encourage her to reach out to ******************************************.
  
  

  
  

• Initial Complaint

  Date:02/17/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received 6 messages from January to my cell phone. I contacted January after receiving the first contact and advised them they had the wrong number. I asked to be removed from their contact list. I received two more texts and called again advising I was not who they were looking for and didnt want to be contacted in any manner again. Both times I spoke with them they agreed I would be removed from their list and was not who they were looking for. I am still receiving messages.

  

  Business Response

  Date: 02/26/2025

  February 21, 2025

  Re:  BBB Complaint ID ******** and CFPB Complaint ID *************** 

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Bureau.  Please let this serve as Januarys response thereto.

  January is committed to providing empathetic collections and exceptional customer service. We hope this response brings clarity and context to the situation. We encourage *** ****** ****** to reach out using the contact information provided below if she has any further questions.

  After reviewing our records, we sincerely apologize for the inconvenience *** ****** experienced in receiving unintended SMS messages from us. As of February 25, 2025, we confirmed that she has been successfully opted out of receiving further text messages.

  We remain dedicated to addressing any confusion or concerns related to this matter. If *** ****** has additional questions or issues, we encourage her to contact us directly via email at ***********************************************************.
  

  
  

• Initial Complaint

  Date:02/13/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with (insert original creditor), I do not have a contract with January , they did not provide me with the original contract as I requested

  

  Business Response

  Date: 02/26/2025

  February 12, 2025

  Re: Complaint ID ********

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Better Business
  Bureau. Please let this serve as Januarys response thereto.

  January prides itself in ensuring empathetic collections and customer service. This response contains
  information and documentation that should help clarify some of the concerns raised by *** ****** *****.

  Affirm's records indicate that loan ********* was processed on April 29, 2024, for a purchase with an Affirm
  Virtual Card labeled, ****** Store, in the amount of $599.00. This loan has terms of *****% Annual
  Percentage Rate (APR) and 3 monthly payments of $88.38 due on the 29th of each month. This loan required a
  down payment of $349.00 that was processed on April 24, 2024. After the down payment was processed the
  loan balance showed $250.00. The down payment of $349.00 was later charged back.

  To provide more context, when a payment is charged back, that payment is returned to the customers original
  payment method while the bank investigates the chargeback. Based on Affirms records, these funds have not
  yet been returned to Affirm from ********************** as the chargeback shows it was won in his favor.

  The loan received a $0.59 partial refund on May 15, 2024, and no payments were processed after the charge
  back on the down payment. The loan became 120 days overdue, and the loan charged off to Affirms third
  party collections agency, January Technologies on September 27, 2024.

  By way of background, ************, employed January to assist it in attempts to collect delinquent accounts.
  On October 8, 2024, January sent communications to *** ***** to that end, advising of our involvement and
  providing contact information, for our company and information about the debt.

  *** ****** ***** contacted Affirm through our chat service on May 2, 2024, and explained about not
  receiving the order from ****** Store and then the box was empty once opened. The ********************
  agent asked if he had evidence of the claims and to hold onto it so a despite could be opened and evidence
  could be submitted. He was asked to call Affirm to open a dispute and he called that same day.

  On May 29, 2024, *** ****** ***** contacted Affirm's chat service, stating that he had filed a dispute
  approximately one month prior and had never received the actual order. The ******************** ************************** that there was no evidence on file and requested that he resubmit it. *** ****** *****
  resent the evidence the same day.

  On May 30, 2024, an ******************** agent followed up with *** ****** ***** via secure message and
  requested additional evidence to dispute the loan with our virtual card processor. The agent asked *** *************** to provide documentation of his communication with ****** regarding the issue, and he replied that
  ****** would not issue a refund. He reiterated that the item was not in the box but provided no further
  evidence to support his claim. The agent requested documentation of *** ****** ******* communication with
  ****** again but did not receive a response.

  A dispute was not opened on the loan due to the loan being disputed with Affirms virtual card processor, we
  need as much detail as possible to provide.

  Affirm received seven credit reporting disputes through Experian from August 6, 2024, to February 13, 2025.
  After investigation, we found the loan to be reporting accurately in each dispute.

  An additional dispute was received by physical letter on August 19, 2024, and claimed the loan to be possible
  fraud. A request for an unauthorized activity case was opened on August 20, 2024. Affirm apologizes for the
  long delay in this case being reviewed. Affirm has escalated the unauthorized activity claim to our Account
  Safety team as of February 26, 2025. As soon as they have had the opportunity to review they will be in direct
  contact with him on next steps.

  In the meantime, if he believes this loan was unauthorized, he is encouraged to complete Affirm's webform
  which serves as an affidavit within ******************** and provide any supplemental documents to support
  his claim of the unauthorized activity. Once a completed affidavit is received,
  Affirm will investigate and notify him of the outcome within 30 days. To do so, please see the following link:
  **********************************************************************************

  
  Effective February 20, 2025, January is no longer collecting on the account. In order to make payments he may
  call Affirm and an agent will be happy to help him make the payment. Once the payment is made it will take
  one business day to reflect on his Affirm account. He may call Affirm at **************. We are available 7
  days a week from 7am - 10pm CT.

  For your convenience, Affirm has included the Truth in Lending disclosure, as well as the loan verification
  document, associated with this loan. Together, these documents provide the validation that he has requested.

  Please note, ****** has a regulatory obligation to furnish accurate loan and repayment information (positive or
  negative) to the credit bureau and can only update reporting if an inaccuracy is identified. At this time, we have
  confirmed that all credit reporting is accurate and will have to respectfully decline his request to remove credit
  reporting for loan **********

  January does not report to credit bureaus. If *** ***** has a concern about his credit score, we advise him to
  contact ********** at ************** and/or the credit bureaus directly.

• Initial Complaint

  Date:02/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  January is attempting to recover a payday load from me I'm not in the *** and not a US *********** can I stop them harrassing me with threat of collection mechanisms that are not legal in my country.

  

  Business Response

  Date: 02/24/2025

  February 17, 2025

  Re:  Complaint ID ******** 

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Bureau.  Please let this serve as Januarys response thereto.

  January prides itself in ensuring empathetic collections and customer service.  We regret to read of the concerns raised by *** ********. We hope this response serves to add clarity and context to the situation.

  By way of background, *******************, employed January to assist it in attempts to collect delinquent accounts. We have reviewed our records relating to this matter and relayed the appropriate information to the requisite parties. Effective February 18, 2025, January is no longer collecting on this account. 

  We encourage *** ******** to contact the creditors directly with any additional questions or concerns.
  

  
  

• Initial Complaint

  Date:02/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Dispute of Unauthorized Charges Immediate Attention Required Dear January Technologies,I am writing to formally dispute charges and account activity associated with your company. I do not recognize any account under my name with January Technologies, nor have I authorized any transactions. I have noticed multiple attempts to withdraw funds from my account without my consent, which is highly concerning.I request that you immediately cease any further attempts to charge my account and provide a full explanation of these unauthorized transactions. Additionally, please confirm that any account associated with my information is closed or never existed. I also ask for a written response detailing the steps you will take to resolve this matter.If this issue is not addressed promptly, I may be forced to escalate the matter with my financial institution and relevant authorities. Please treat this as an urgent request and respond at your earliest convenience.

  

  Business Response

  Date: 02/24/2025

  February 17, 2025

  Re:  Complaint ID ********  

  January Technologies, Inc. (January) is in receipt of the above-referenced submission to the Bureau.  Please let this serve as Januarys response thereto.

  January prides itself in ensuring empathetic collections and customer service.  We regret to read of the concerns raised by *** ***** *******. This response contains information that should help clarify some of the concerns raised by *** *******.  

  By way of background, ****************** employed January to assist it in attempts to collect delinquent accounts.  On July 18, 2023, January sent a communication to *** ******* to that end, advising of our involvement and providing contact information, for our company and information about the debt.  

  Our records indicate that *** ******* was approved for and accepted a negotiated offer of $423.54 on August 3, 2023 and subsequently established a biweekly payment plan of $25.00, effective August 25, 2023.

  A total of five payments were received on February 9, 2024, February 23, 2024, March 22, 2024, April 5, 2024, and April 19, 2024. 

  Records further show that *** ******* modified her payment plan to a monthly payment of $66.98, effective May 16, 2024. 

  On July 30, 2024, she contacted our office seeking assistance in settling the account. However, under the terms of the current negotiated offer, settlement at the requested amount was not available. 

  Please be advised that we are unable to process refunds for any payments made during the past year. If *** ******* requires assistance with updating her payment plan, she is encouraged to contact us using the information provided below for further assistance.

  As always, we strive to resolve any confusion or uncertainty around these matters. We encourage *** ******* to contact us directly with any additional questions or concerns.  We can be reached, toll-free, at ************** and by email at ******************************** between the hours of 9am to 7pm Eastern Time.