Debt collection -- Attempts to collect debt not owed -- Complaint #17770351
Complaint Overview
Complaint ID: 17770351
Company: January Technologies, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Georgia
ZIP Code: 308XX
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Earlier this year, multiple unauthorized transactions were made through my XXXX accounts by a third party who gained access to my login information without my permission. These purchases totaled approximately {$5000.00}. The items were not ordered by me and were shipped to addresses in Alabama, while I live in Georgia and did not receive or benefit from any of the goods or services. Some of the fraudulent purchases included online orders from XXXX and XXXX, as well as hotel and rental car bookings. I reported the fraud to each company on XX/XX/XXXX and explained that someone accessed my account and used my stored card information without authorization. Despite filing the disputes, I have not received a proper resolution, written update, or case number confirming that the issue is being addressed. The accounts have not been paused, and the companies continued to show balances and activity related to the fraudulent charges. This situation involves both unauthorized account access and unauthorized card use, and I am requesting a full investigation and removal of all fraudulent transactions. I am requesting a full reversal of all unauthorized transactions, removal of all charges and balances created by the fraudulent purchases, deletion of any late fees or penalties, and correction of any negative credit reporting related to this incident. I also want written confirmation that my account will not be held responsible for purchases made through unauthorized access, and that my account will remain paused with no collection activity until the investigation is fully resolved.
Frequently Asked Questions
What is Complaint #17770351 about?
Complaint #17770351 was filed against January Technologies, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
How did January Technologies, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against January Technologies, INC?
Yes, visit the January Technologies, INC company profile at readthecomplaint.com/company/january-technologies-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.