|
11085291
|
2024-12-09
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6213433
|
2022-11-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2022-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
{$230.00} is owed and the company handed it off to a collections agency who keeps excessively emailing me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5736732
|
2022-07-05
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2022-07-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/2021 I received via XXXX XXXX a XXXX from XXXX. I refused the XXXX at that moment and had XXXX take it back. XXXX had provided me with a cancellation number. On that same day, I had contacted XXXX via email informing them that I am refusing the XXXX XXXX received the XXXX on XX/XX/2021. Both, XXXX and XXXX continued with the loan without my knowledge. Then, I noticed that XXXX was still charging me for the returned XXXX I tried to reach out to XXXX from their website with no such help. When I typed messages to stop payments, I will get back a message to contact the merchant. I had called XXXX numerous times and I've never received any help nor assistance, but they continued to take my money from my bank account. Therefore, a stopped payments was done through my account. Finally, I was able to communicate with XXXX and it was useless, as XXXX did not assist/helped nor returned my calls to inform me that I had 30 days within to contact them to stop the payments, but on XXXX XXXX website it clearly states that the individual needs to contact the merchants themselves, which I have. XXXX deliberately kept the XXXX without informing XXXX and XXXX also kept the loan and the returned XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10151650
|
2024-09-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10497564
|
2024-10-18
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8244985
|
2024-01-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8427140
|
2024-02-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Other debt
|
| Date Received |
2024-02-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I was asked to send over bankruptcy documents listing the Debt collector working on their behalf to collect the debt as a creditor. As of this date, they have the debt as outstanding. I have called the debt collector and I have yet to hear from them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6898509
|
2023-04-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Please see attached Validation letter.
On my Debt Validation Letter, XXXX XXXX # XXXX was delivered to January Technologies LLC XXXX XX/XX/2023 requesting for validation of this debt from XXXX ACCT # ending in XXXX, its past 30 days & i have no response from them & this is a violation of 15 USC 1692g.
On my Debt Validation Letter, i asked them to delete this Account from XXXX off my XXXX Consumer Report if they can not validate this debt in 30 days from receipt of my letter, which time has already passed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7687356
|
2023-10-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-10-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I lost my wallet, XXXX - XXXX all my credit cards and money and identification.
A representative called me and stated someone is using my card or cards!!
They purchased {$750.00} of XXXX and {$350.00} of sneakers and other things!!! ( XXXX XXXX )!
I then called all my credit cards fraud departments!!
XXXX XXXX, and XXXX XXXX XXXX!!!
So since I called all my credit cards fraud dept they just send it to anther credit collections agency and report to all 3 credit reporting agencies without answering any questions concerning unauthorized use from the Police Report also not following the instructions of FCRA AND CFPB LAWS!!!
XXXX ASKING TO STOP MAILING ME LETTERS AND REMOVE MY INFORMATION FROM ALL XXXX CREDIT REPORTING AGENCIES!!
XXXX, XXXX AND XXXX!!!
HERE IS MORE LETTERS FROM THEM AND THE POLICE REPORTS OF UNAUTHORIZED USE ON THE POLICE REPORTS
|
| Consumer Consent Provided |
Consent provided
|
|
|
6830705
|
2023-04-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-04-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6630864
|
2023-02-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-02-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5061003
|
2022-01-02
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
NOTICE AND WARNING TO AFFIRM FOR FAILURE TO DISCHARGE ALL DEBTS PURSUANT TO HJR 192, PUBLIC LAW 73-10 AND TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I dont not consent to e-Oscar verification. It is FACT that XXXX is engaged in trust actions with regards to loan XXXX. By claiming I, beneficiary, owe a debt, XXXX is in violation of 15 USC 1692B ( 2 ). My duty as beneficiary is to keep records and report to the IRS in case of trust fraud suspicion. I am suspicious of XXXX and their management of my private data elements. XXXX is trustee in this matter in their fiduciary capacity XXXX should correct ALL records accordingly INCLUDING the removal of ALL negative remarks reported to third parties. This is NOT a request for verification or proof of my mailing address. I respectfully request your offices provide me with competent legal evidence that i, beneficiary, have any legal obligation to pay you, XXXX, trustee. The misrepresentation of the trustee and beneficiary relationship between us can be rectified. i hereby accept all title rights and interest and instruct XXXX to handle ALL principles balance. The term charged off means XXXX has been paid in reference to loan XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9743639
|
2024-08-08
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Im not liable for this debt with XXXX XXXX XXXX. I do not have a contract with January Technologies , Inc. They did not provide with the original contract as requested.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5605857
|
2022-05-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5605847
|
2022-05-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9215281
|
2024-06-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8662298
|
2024-03-30
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Other debt
|
| Date Received |
2024-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8578649
|
2024-03-19
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
12044551
|
2025-02-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-21
|
|
|
12162729
|
2025-02-21
|
Problem caused by your funds being low
|
Checking or savings account
|
|
| Issue |
Problem caused by your funds being low
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Checking or savings account
|
| Sub Issue |
Overdrafts and overdraft fees
|
| Sub Product |
Checking account
|
| Date Received |
2025-02-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11869546
|
2025-01-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I was contacted by January Technologies Inc. regarding an alleged debt of {$700.00}. Notably, they never reached out to me directly ; instead, they contacted my sister regarding this debt, which I believe violates the Fair Debt Collection Practices Act and New York state laws that restrict third-party communications.
I do not recognize this debt and have never taken out any loan or incurred any obligation of this nature. Additionally, I discovered that the debt is being pursued under a former legal name ( XXXX XXXX ), even though I am now legally recognized as XXXX XXXX. I suspect that this may be a case of identity theft and that the alleged debt was incurred without my knowledge.
I sent an email dispute to January Technologies Inc. requesting verification and validation of the debt, as well as an explanation for the unauthorized contact with my sister. I am additionally seeking an investigation into the practice of having contacted my sister and not me through the appropriate consumer protection channels.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12753559
|
2025-03-24
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
January Technologies, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated messages
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-03-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-24
|
|
