ComplaintsforJanuary Technologies, Inc.

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Initial Complaint
08/16/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have no knowledge of these accounts with **********************. I didn't sign a contract with them or give them permission to continually check my credit. Please remove these accounts from my credit report.
Business response
08/26/2024
August 22, 2024
Re: Complaint ID ********
We regret to read the statements made by the Submitter to the BBB, and we take very seriously the concerns raised. January prides itself in ensuring empathetic collections and customer service. We hope this response serves to add clarity and context to the situation.
We have conveyed all relevant information to our client and responded directly (independent of this response) to the Submitter. At this time, we have halted any and all future communications.
For additional information, support, or assistance, we would encourage the submitter to contact Affirm directly. (Please see documents attached)

Customer response
08/27/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

***************************
Initial Complaint
08/06/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am liable for this debt with FINWISE/OPPLOANS, I do not have a contract with January Technologies, Inc., they did not provide me with the original contract as requested.
Business response
08/16/2024
August 12, 2024
Re: Complaint ID ********
We regret to read the statements made by Submitter to the BBB, and we take very seriously the concerns raised. January prides itself in ensuring empathetic collections and customer service. We hope this response serves to add clarity and context to the situation.
We have conveyed all relevant information to our client and responded directly (independent of this response) to the Submitter. At this time, we have halted any and all future communications.
For additional information, support, or assistance, we would encourage the submitter to contact January or the creditor directly. (Please see attached)

Customer response
08/16/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

***************************
Initial Complaint
08/02/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with ***** and do not have a contract with January Technologies. They did not provide me with the original application like I asked.
Business response
08/12/2024
August 6, 2024
Re: Complaint ID ********
We regret to read the statements made by Submitter to the BBB, and we take very seriously the concerns raised. January prides itself in ensuring empathetic collections and customer service. We hope this response serves to add clarity and context to the situation.
We have conveyed all relevant information to our client and responded directly (independent of this response) to the Submitter. At this time, we have halted any and all future communications.
For additional information, support, or assistance, we would encourage the submitter to contact Affirm directly. (Please review attached documents)
Initial Complaint
07/08/2024
Complaint Type:
Billing Issues
Status:
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.
I received an email from someone named ****** on June 5th requesting a payment to collect a debt related to a Real Real purchase. However, the email did not provide any specific date or additional information. Since I did not recognize the sender, I initially responded that I was on a payment plan and not behind on payments because I was unaware of the debt. I suggested they send me the details by mail; I provided my address. About a month later, I received another email with the supposed debt attached, but it still needed more information. When I called Affirm to inquire about this, I was informed that someone had already provided the information to me, which was incorrect because I did not call anyone at their office. I am still waiting to receive the information by mail so that I can investigate the debt further. If I owe this debt, I will contact the company to make the payment, but I still need to ascertain the origin of this debt as I believe I have already paid all debts owed to Affirm.
Business response
07/17/2024
July 12, 2024
Re: Complaint ID ********
We regret to read the statements made in this submission to the BBB, and we take very seriously the concerns raised. January prides itself in ensuring empathetic collections and customer service. We hope this response serves to add clarity and context to the situation.
We have conveyed the appropriate information to our client and responded directly (independent of this response) to the submitter. At this time, we have halted any and all future communications.
For additional information, support, or assistance, we would encourage the submitter to contact Affirm directly.
Initial Complaint
06/24/2024
Complaint Type:
Product Issues
Status:
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.
I received an email from January stating they had bought a loan from cash central that I had defaulted on I wrote back and told them I had never received a loan from cash central and this matter is disputed they are still writing emails trying to make me pay them the day after they acknowledged the dispute and I consider this harassment I have 30 days until they can prove this is my responsibility and I am not supposed to be harassed period !
Business response
07/07/2024
July 5, 2024
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, Cash Central, employed January to assist it in attempts to collect delinquent accounts. On June 8, 2024, January sent a communication to ****************** to that end, advising of our involvement and providing contact information for our company and information about the debt. We have reviewed our records relating to this matter, and opened a dispute on *** ******** behalf on June 19, 2024 per email request.
Upon receiving *** ******** follow up email, January has complied with her request by ceasing all contact and closed the account effective June 26, 2024. We recommend ****************** to contact Cash Central at ************ directly for further assistance, should she need it.
Initial Complaint
06/12/2024
Complaint Type:
Service or Repair Issues
Status:
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.
I'm not liable for this debt with January Technologies, Inc. I do not have a contract with January Technologies, Inc. They did not provide me with the original contract as requested.
Business response
07/03/2024
June 27, 2024
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, ************* employed January to assist it in attempts to collect delinquent accounts. On August 3, 2022, January sent a communication to ****************** to that end, advising of our involvement and providing contact information for our company and information about the debt. We have reviewed our records relating to this matter, and opened a dispute on ******************** behalf to request validation of debt documents. The matter is presently in a hold status with our office until further information is provided.
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.

Customer response
07/09/2024
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:

No documentation nor contract has been provided.

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

Sincerely,

*****************************

Business response
07/16/2024
July 15, 2024
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.
This is January Technologies, LLC's response to the rejection response to the Better Business Bureau complaint referenced as ********, made by *********************************. In the rejection, ****************** states no documentation nor contract has been provided.
In our previous response submitted on July 3, 2024, we explained to ****************** that presently the account is on hold status with our office until such documentation can be provided. However, Affirms response was also enclosed which included a copy of such documents.
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.
Initial Complaint
04/24/2024
Complaint Type:
Billing Issues
Status:
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.
The bill came in under *********************************. It is not my bill and I never knew these people. They say I owe toward my CashNet USA loan and never had anything from them. I would not like to be contacted by them because this is not my bill.
Business response
05/03/2024
April 30, 2024
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, ***** Services, LLC employed January to assist it in attempts to collect delinquent accounts. On September 12, 2023, January sent a communication to the to that end, advising of our involvement and providing contact information for our company and information about the debt. We have reviewed our records relating to this matter, and completed a compulsory investigation to verify if our records match that of the account holder and were unable to locate any discrepancies.
Effective February 1, 2024, January is no longer collecting on this account and recommend ********************** to contact ***** Services, LLC directly at ************ for more information.

Customer response
06/12/2024
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]
The complaint hasn't been solved these people has used my name and address for money that l don't owe them anything. I need that to be clear from this. Thank you

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

Sincerely,

***********************************

Business response
06/27/2024
June 18, 2024
Re: BBB Complaint ID ********
January Technologies, Inc. (January) is in receipt of the above-referenced resubmission to the Bureau. As stated before, January prides itself in ensuring empathetic collections and customer service. We regret to read of the concerns re-raised by **********************. We hope this response serves to add clarity and context to the situation.
By way of background, ***** Services, LLC employed January to assist it in attempts to collect delinquent accounts. ******************** does not and has not contended that money is owed to January. Rather, on or around September 12, 2023, January sent a communication to ********************** advising of our involvement in this matter and providing contact information for our company (as well as information about the debt).
Notwithstanding, effective February 1, 2024, January is no longer collecting on this account and we recommend that ********************** contact ***** Services, LLC, directly at ************ for more information or for additional questions and concerns.
Initial Complaint
04/16/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
************************ - [January Technologies ***** Subject: Notice of Bankruptcy Filing Dear January ***** I am writing to inform you that I have filed for bankruptcy under Chapter 7 of the United States Bankruptcy Code. As a result, I am requesting that you cease all collection efforts and communication regarding the debt I owe you. This legal action will allow me to reorganize my financial affairs and obtain relief from the burden of my debts brought on by loss from COVID 19 and Divorce. The automatic stay provided by the bankruptcy filing prohibits creditors from continuing with any collection attempts against me. This includes lawsuits, wage garnishments, and phone calls. I kindly ask you to respect this legal process and refrain from contacting me regarding this debt until further notice from my legal counsel and the trustee assigned to the case.
Business response
04/25/2024
April 19, 2024
Re: Complaint ID ******** (Submitted April 25, 2024)
January is in receipt of the communication sent to the Bureau, referenced as Complaint ID *************** let this serve as a 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 April 16, 2024, January sent communications to ************************ to that end, advising of our involvement and providing contact information for our company and information about the debt.
Upon receiving the complaint regarding ************************** bankruptcy claim, January is no longer collecting on this account as of April 16, 2024. Furthermore, January does not report to credit bureaus and would recommend ************************ to contact Affirm directly at ************ for more information.
Customer response
04/30/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

*********************
Initial Complaint
04/15/2024
Complaint Type:
Customer Service Issues
Status:
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.
I am not liable for this debt with ***, I do not have a contract with January technologies,nor have they presented me with a wet inked contract that I specifically signed with them. Delete immediately.I've recently become homeless because of this appearing on my report
Business response
04/22/2024
April 18, 2024
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, ****** ************ employed January to assist it in attempts to collect delinquent accounts. On November 23, 2023 (account ending in 0672) and December 30, 2023 (account ending in 1002), January sent a communications to ********************* to that end, advising of our involvement and providing contact information for our company and information about the debt. We have reviewed our records relating to this matter, and opened a dispute on ****** Hills behalf to request validation of debt documents for the aforementioned accounts on April 15, 2024. The matter is presently in a hold status with our office until further information is provided.
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.
Initial Complaint
04/04/2024
Complaint Type:
Billing Issues
Status:
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.
This company is harassing me about a debt that is no longer on my credit report. It was deemed as closed as a charge off some years ago. Now they are harassing me. Per FCRA rule this is not legal tactic. This account was closed and removed a years ago and it is currently 2025 and from FCRA rules they can not harassed and or report this as a new debt
Business response
04/11/2024
April 5, 2024
Re: Complaint ID ******** (Submitted April 11, 2024)
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, ******************* Corporation, employed January to assist it in attempts to collect on the delinquent account. On March 8, 2024, January sent a communication to ****************** to that end, advising of our involvement and providing contact information for our company and information about the debt. We have reviewed our records relating to this matter, and based on our review of the relevant communications, we 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.
However, we opened a dispute on *** ******** behalf to request validation of debt documents for her to review. Effective April 11, 2024, the dispute has been resolved with validation of debt documents mailed to *** ******** mailing address. In addition, a copy of the validation documents are included with our response.
We have halted 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.

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ComplaintsforJanuary Technologies, Inc.

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