Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: GA

Complaint narrative:
January XXXX XXXX, 2025 Login PIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX January Technologies , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX from XXXX to XXXX ET, Monday to Friday www.january.com Hi XXXX XXXX XXXX , January is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX Bank. We will use any information you give us to help collect the debt. 

Our information shows : You had a XXXX XXXX credit card for XXXX XXXX Bank with account number ending in XXXX. 
As of XX/XX/year>, you owed : {$390.00} Between XX/XX/year> and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$390.00} How can you dispute the debt? 
Call or write to us by XX/XX/year> to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at www.january.com What else can you do? 
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/year>, we must stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at www.january.com Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. 
How do you want to respond? 
Check all that apply : I want to dispute the debt because I think : This is not my debt. 
The amount is wrong. 
Other ( please describe on reverse or attach additional information ). 
I want you to send me the name and address of the original creditor. 
I enclosed this amount. $ Make your check payable to January Technologies , Inc. 
Mail this form to : January Technologies , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX You can request any of these actions by : printing and mailing this form visiting our website emailing us calling us We encourage you to visit our website to pay the debt, dispute the debt, request debt validation, or learn more information about the account. You can access our site using your email address or by using the secure PIN at the top right of this email. 
Best, January Support Team contact@january.com ( XXXX ) XXXX January Technologies , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX January is a proud member of the XXXX, XXXX, and an accredited member of the XXXX XXXX XXXX XXXX XXXX XXXX. 




This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Unsubscribe here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation