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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
01/23/2025
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I received an email January ******* stating that I have an overdue balance of $790.64 from *********************************. According to Januarys records it originated on Oct 30, 2014. January is only giving me the last four of the account numbers which is ****. I have never taken a loan from this company ever. I dont have any information regarding a contract or a point of sales receipt. I am disputing this and will need this taken off my records effective immediately.
Business response
02/05/2025
January 31, 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 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 December 14, 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 and confirmed that *** ***** utilized her online account to open a fraud dispute on January 22, 2025, which has placed collections and communications on hold until the matter is resolved.
January is no longer collecting on this account and recommends *** ***** to contact ******************* directly for more information.
Please note, 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
01/15/2025
- Complaint Type:
- Product Issues
- Status:
- Answered
I made a reservation in a pet friendly hotel. Priceline was to pick one of three of the pet friendly hotels. This was a same day reservation so the hotel didn't lose money due to my reservation. Right after Priceline gave me the name of the hotel they chose I called them because I hadn't stayed there before. They informed me that my emotional support dogs were too big and they would make no exception. Given the fact that I had just made the reservation and I did call ahead to make arrangements for my dogs, I thought they would be reasonable? I have talked for months until I am blue in the face and no help. I didn't get to stay so I received no service and yet now I am in collections?Business response
01/28/2025
January 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. We regret to read of the concerns raised by *** ******* ******.
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 September 13, 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 initiated a dispute for *** ****** following a phone call received on September 25, 2024. The creditor completed its review and validated the debt on October 3, 2024.
Following the dispute outcome, January received multiple emails from *** ****** expressing dissatisfaction with the resolution.
Effective January 12, 2025, January is no longer collecting on the account.
For any further assistance, *** ****** should contact Affirm directly at **************.
Initial Complaint
01/15/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
I got an email stating, "January is a debt collector. We are trying to collect a debt that you owe to ***************************. We will use any information you give us to help collect the debt." I have no debt with **************************** and never have.I was affected by natural/declared disaster in 2024 from ********************* NOT **************************** or January.Business response
01/25/2025
January 24, 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. On ***********************, 2025, January sent a communication to *** **** to that end, advising of our involvement and providing contact information for our company, as well as information about the debt.
Our records show that on January 11, 2025, *** **** used her borrower online account to submit a negotiated offer of $1.00, which was countered by the creditor with an amount of $2,159.39 on the same day.
Upon receiving *** ***** complaint, we disputed the account and placed it on hold while requesting validation of the debt. The request has been completed, and a copy of the debt validation documents is included with our response for review. Additionally, the debt validation documents have been sent separately.
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
01/14/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
Debt Name: ******** ******** purchase balance purchase Amount Owed: $8,183.25 Account Ending In: K2JQ I am not liable for this debt with January Technologies, I do not have a contract with the January Technologies. They did not provide me with the original contract.Business response
01/25/2025
January 15, 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 ******************** 3, 2025 January sent 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 in light of ******* **** request for validation of debt. The matters are presently in a hold status with our office until further information is provided.
Please note, we (January) do not report to credit bureaus. If ******* *** has a concern about their credit score, we advise them to contact ********** at ************** and/or the credit bureaus directly.
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.
Affirm has found the following information when investigating *** **** claim:
Affirm's records indicate that loan ********* was processed on July 11, 2024, for a purchase with the merchant, Venetian Jewelers, in the amount of $7,222.49. This loan has terms of *****% Annual Percentage Rate (APR) and 18 monthly payments of $502.09 due on the 11th of each month. This loan did not receive any payments and became 120 days overdue. Because of this the loan charged off to Affirms third party collections agency, January Technologies on December 22, 2024. January can be reached at ************ for any questions or to schedule payments. This loan is also not furnished; therefore, it is not reporting to the credit bureaus.
*** *** first called Affirm to ask about how to cancel the loan on July 10, 2024. The *************** Care agent advised that the cancellation was upon the merchants policies and that if canceled and a refund was due, the loan would reflect the refund within 3-5 business days of cancellation.
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.
Please note that *** *** opened six merchant disputes using Affirms self-service option. The disputes were opened on August 11, August 15, August 20, October 11, and November 22, 2024.
Please note that when a merchant dispute is opened, both the merchant and the customer have 15 calendar days to submit their evidence. Once the 15 days are over, an additional 15 days is provided for investigation into the claim.All six disputes were closed in the merchants favor due to the merchant providing substantial evidence to show the order was delivered to *** *** as well as *** **** video was not substantial to show it was not received.
Please note that ****** manages the financing of the purchase. Order fulfillment, including delivery, returns and necessary paperwork for registration is the responsibility of the merchant. Once the package leaves the merchant's facility and is in the shipper's possession, the shipper is responsible for the delivery of the order. Until the merchant refunds the loan, *** *** is still responsible for repayment.
In the event he has any further questions or concerns, we encourage him to reach out to ******************************************.
Initial Complaint
12/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Im receiving the following text a couple times a week. Most recently 12/23 at 5:23pm. I have no accounts and have never had an account with **********************. January is a debt collector. We've partnered with *************************** ("***") to resolve your AFF Purchase Balance balance. Log into our secure website *************************************************************** for details. Reply STOP to stop.Business response
01/08/2025
December 30, 2024
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 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 apologize for the inconvenience *** ***** experienced in receiving SMS messages from us, as she was not the intended recipient. As of December 31, 2024, we confirmed that *** ***** was successfully opted out of receiving 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
12/18/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
The issue originally started with the Company street lane homes not taken emergency assistance after i lost my job and had to move back to ********* from **** in 09/2023. This January tech and American first finance have a open housing collection on my credit hindering me from getting approved for a place to stay. My daughter and i are homeless for the last year. The companies keep telling each other has the debt but continuously pointing fingers. I am unable to set up payment arrangement because they do not know where the debit is or who has it. I have been calling them for a week nothing has been done. I live in ********* where is extremely cold temps They not helping me and continuously dropping the ball.Business response
01/01/2025
December 26, 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 the creditor directly. (Please see our attached response)
Initial Complaint
12/17/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am writing to formally file a complaint regarding January Technologies, Inc., a business entity located in ********, **, which appears to be conducting business in the state of ******* without proper registration or authorization.Upon suspicion that January Technologies, Inc. was engaging in business activities in *******, I conducted a search on the Alabama Secretary of State's Business Entity Records database to verify their compliance. Despite my thorough search, I was unable to find any record of January Technologies, Inc. being registered or holding a Certificate of Authority to do business in the state of ********Under Alabama law, businesses operating within the state are generally required to register and comply with state regulations. The absence of January Technologies, Inc. in the state registry suggests a potential violation of these requirements, which could affect their legal standing and obligations in ********I respectfully request that your office investigate this matter to determine whether January Technologies, Inc. is conducting business in ******* in violation of state law. If they are found to be non-compliant, I ask that appropriate actions are to be taken to address this issue.Please let me know if further information or evidence is required to assist with your investigation. I appreciate your attention to this matter and look forward to your response regarding the steps being taken.Thank you for your time and assistance.Business response
12/27/2024
December 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. 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 October 22, 2024 (Account ending in 3JXF), November 12, 2024 (Account ending in 3EO8), November 14, 2024 (Account ending in 1L9T) and November 19, 2024 (Account ending in ****) January sent a communication to *** ********* to that end, advising of our involvement and providing contact information for our company and information about the debt.
January is licensed to collect in all 50 states. We collaborate closely with a licensing consultant and have reconfirmed that the state of ******* does not require a license to conduct third-party collections.
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.
Affirm records indicate that *** ********** loan (ID ********** labeled arbon coffee table was processed on November 14, 2023 in the amount of $414.00. *** ********* agreed to make 12 monthly installment payments of $41.59 and the loan Annual Percentage Rate (APR) is *****%. On December 3, 2023, a partial refund of $.15 was applied towards the loan. *** ********* made six payments of $41.59 from December 14, 2023 to May 14, 2024, and on payment of $41.59 on August 16, 2024. No payments were made after August 2024 and the loan became 120 days overdue. The loan was charged off on December 12, 2024.
*** ********** ******************* loan (ID ********** was processed on December 5, 2023 in the amount of $491.57. *** ********* agreed to make 12 monthly installment payments of $46.31 and the loan Annual Percentage Rate (APR) is *****%. She made four payments of $46.31 from January 5, 2024 to April 5, 2024, one payment of $46.31 on June 20, 2024 and one payment of $46.31 on September 12, 2024. No payments were made after September 2024 and the loan became 120 days overdue. The loan was charged off on November 3, 2024.
*** ********** loan (ID ********** labeled ****** was processed on April 8, 2024 in the amount of $300.00. *** ********* agreed to make 12 monthly installment payments of $30.14 and the loan Annual Percentage Rate (APR) is *****%. On April 15, 2024, a partial refund of $8.50 was applied towards the loan. She made one payment of $30.14 on August 2, 2024 and one payment of $40.00 on September 21, 2024. No payments were made after September 2024 and the loan became 120 days overdue. The loan was charged off on November 6, 2024.
*** ********** loan (ID ********** labeled ************** & Vacation Packages was processed on April 23, 2024 in the amount of $540.00. *** ********* agreed to make 12 monthly installment payments of $54.25 and the loan Annual Percentage Rate (APR) is *****%. On May 12, 2024, a partial refund of $13.60 was applied towards the loan. She made one payment of $54.25 on May 23, 2024. No payments were made after May 2024 and the loan became 120 days overdue. The loan was charged off on October 22, 2024.
The previous loans were charged off to January Technologies, Inc. January can be reached at ************** for any questions or to schedule payments.
Affirm has received no contact in reference to the loans mentioned.
Affirm has provided the loan verification documents and the electronically signed Truth in Lending Agreements signed by *** ********* during the loan application for her reference.
In the event *** ********* has any further questions or concerns, we encourage her to reach out to ******************************************.Initial Complaint
12/12/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
In August, I settled my debt through January Debt Collections for my Klarna account. To this day, it is unresolved & still shows I owe Klarna the amount.Business response
12/24/2024
December 16, 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 *** ****** *****. This response contains information that should help clarify some of the concerns raised by *** *****.
By way of background, Klarna AB employed January to assist it in attempts to collect delinquent accounts. On June 1, 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.
Our records indicate that a countered negotiated offer was approved and accepted by *** ***** for $123.79 on July 19, 2024. *** ***** established a biweekly payment plan beginning on August 2, 2024.
The account was paid in full through three payments: $31.00 on August 2, 2024, $31.00 on August 16, 2024, and the final payment of $61.79 on August 17, 2024. A payment confirmation letter showing the balance as paid in full was sent to *** ***** on August 17, 2024.On September 3, 2024, *** ***** emailed our office to report that the payment information had not yet updated in her Klarna account. ******************** informed her that payment details may take up to ********************* Klarnas records.
In November 2024, *** ***** contacted January multiple times to report that the payment information had still not been updated, despite the 45-day timeframe mentioned in the previous email.
January is currently working with ****** to investigate this matter and will reach out to *** ***** separately once the investigation is complete.
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.
If *** ***** has additional questions for Klarna, she can contact them toll-free at **************.
Customer response
12/31/2024
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
11/14/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not reliable for this credit with January technologies. I have no contract with January technologies. They have not provided me with original contract as requested.Business response
11/22/2024
November 20, 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 15, 2024 January sent 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 dispute in light of *** ******** request for validation of debt for the accounts listed above. The matters are presently in a hold status with our office until further information is provided.
Please note, we (January) do not report to credit bureaus. If *** ******* has a concern about his credit score, we advise him to contact the credit bureaus directly.
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
10/21/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
January ******** is harrasing saying we owe money which we never have done any **** ess with what so ever. Apparently multiple people are having the same problem yet BBB is being advertised on there web. Also We dont know of a jade there saying owes money.Business response
11/01/2024
October 23, 2024
Re: 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 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 relating to this matter, and effective October 21, 2024, we confirmed that *** ******** will not receive future email messages to their email address. 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, by email at ***********************************************************.
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Contact Information
Customer Complaints Summary
102 total complaints in the last 3 years.
62 complaints closed in the last 12 months.
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