The "One Tree Hill" star crapped on the Chiefs tight end on her podcast, "Whine Down," where she made a pretty scathing comment about Travis' nightlife habits ... namely, the fact he seems to enjoy a beverage or two while out on the town.

She says, "To me, he’s always drunk. Every time I’ve ever seen a video he’s just always drunk." JK then pivoted to Taylor ... saying she hopes T-Swift doesn't follow his lead.

Jana even took it a step further ... saying she's noticing that Taylor is drinking a lot these days too -- so whatever she's trying to warn Tay Tay about might've already become a reality.

Frankly, Taylor is often photographed having a boozy time -- and it's often with Travis.

We covered this a few weeks ago when Taylor's album dropped -- in which she referred to herself in one of her songs as a 'functioning alcoholic' ... albeit, in that context, a former one.

The irony, of course, is that Taylor's been drinking a ton of late ... and now, it seems like other people are noticing it too -- expressing concern for her and the company she keeps.

Jana and her friends here on the pod had a lot more to say about Taylor and Travis' relationship in general -- including them thinking Trayvis is more PR than real at this point ... and them saying they believe Travis is the one who's really benefitting here.

We'll let you take a listen for yourself ... let's just say, it's a lot of tough love.