January is a New York City company that uses software and AI to collect past-due consumer accounts for banks, card issuers, fintech lenders and debt buyers. Its notices usually concern an unpaid card or loan balance.
- Type
- Collection agency
- Also known as
- January Technologies, Inc
- Headquarters
- New York, NY
- Collects
- credit card balances, consumer loans from banks and fintech lenders
- Phone numbers it lists
- (866) 300-1169
- Website
- january.com
661 debt collection complaints were sent to the Consumer Financial Protection Bureau about January Technologies, Inc from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is January?
January Technologies, Inc., which goes by January, describes itself as an AI company for consumer credit. Its main product is debt collection: it says its platform automates most of the repayment process within guardrails set by the creditor, and that it holds collection agency licenses and bonds in the places it operates. It lists NMLS ID 1644298 and states that its communications are from a debt collector. January is venture-backed; its website names Brewer Lane Ventures, IA Ventures and Third Prime as investors.
Its mailing address is 176 Grand Street, 4th Floor, New York, NY 10013. For account questions, its consumer page gives (866) 300-1169 and [email protected], and points to a chatbot inside the online account.
Why January May Be Contacting You
January's website says it works for OCC-regulated banks, fintech companies, card issuers and debt buyers. Its consumer page tells people that their "bank or original lender" sent the account to January to set up a repayment plan, and it advertises options such as picking a payment amount and schedule, pausing or skipping payments, and negotiating a reduced payoff. Given that client list, a message from January will usually concern a past-due or charged-off credit card or a consumer loan from a bank or online lender. Its consumer page steers people to an online account and a 24/7 chatbot, so much of the back-and-forth may happen online rather than by mail; read any message carefully for the creditor's name.
How to Check a Debt January Says You Owe
When a collector works mostly online, required notices may arrive electronically, so save everything you receive.
- Find the validation notice. It may arrive by email or appear in the portal. It must identify the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Download or screenshot it, with the date.
- Dispute in writing before the deadline. A dispute through the portal or by email can count if January accepts disputes that way; otherwise mail it to the Grand Street address. Ask for the last statement from the lender.
- Identify the owner. Ask whether the bank or app lender still owns the debt or whether a debt buyer now owns it, since January also works for buyers.
- Check the amount. Compare the balance to your last statement from the lender, and make sure any "reduced payoff" offer will be recorded as settling the whole account.
- Know the time limits. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set their own periods.
What January Can and Can't Do
A company collecting consumer debts for banks and lenders is a "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA applies to its emails and texts just as to letters and calls. Regulation F adds rules for electronic messages:
- Every email or text must give you a clear, simple way to opt out of further messages through that channel (12 C.F.R. § 1006.6(e)). See whether collectors can text or email you.
- It generally may not email you at an address it knows is your work email (12 C.F.R. § 1006.22(f)(3)).
- It may not post about your debt on social media where others can see it (12 C.F.R. § 1006.22(f)(4)).
- Calls are still limited: more than seven in seven days about one account is presumed harassment (12 C.F.R. § 1006.14(b)(2)). Our note on Regulation F's call, text and email rules has more.
We did not find a CFPB enforcement action against January. If you have questions about how a collector has treated you, visit our FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If January or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- January: home page
- January: Consumers
- January: Our story
- CFPB enforcement actions search: January
- CFPB Consumer Complaint Database: January Technologies, Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that January has violated any law. Company details change; tell us if something here is out of date.