What is the most common complaint against Sarma?

The most common issue consumers report about Sarma is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 145 complaints filed with the CFPB.

Are complaints against Sarma increasing or decreasing?

Complaints against Sarma are falling. The company received 16 complaints in the last 12 months, showing improvement over prior periods.

What is Sarma's reputation grade?

Sarma has a reputation grade of D (score: 55.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Sarma respond to consumer complaints?

Sarma has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does Sarma operate?

Sarma has received CFPB complaints from consumers in 23 states, with the most complaints from Texas (99 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Sarma - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade D.

Compiled by PlainCollector

Written notification about debt

42
Attempts to collect debt not owed

38
Cont'd attempts collect debt not owed

21
Disclosure verification of debt

10
Communication tactics

9
False statements or representation

8

Data updated September 2026

CFPB complaint disposition

CCDB record sarma Sarma

Grade D · 145 CFPB filings · 94% timely · lead issue: Written notification about debt · vol #671 · compose #3199

VOL 145
GRADE D
12MO 16
STATES 23
TIMELY 94%
DISPUTE 14%
ISSUE Written notification about…
RANK #671
COMPOSE #3,199

Volume peers

Nearest volume peer: JDJ Investments, INC. (145 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Sarma's 145 CFPB complaints sit next to JDJ Investments, INC. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

68.3% of Sarma's CFPB filings land in Texas

High volume does not equal a clean composite: Sarma is volume #671 but composite #3,199, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 68.3%; 99 of 145 filings · 23 states touched
Seasonal peak: 2026-01 8.2%; 8–15% band · 14 filings
Divergent corpus ranks: #671 volume; #3,199 composite; Cleanest-composite ladder is 2,528 places worse than volume

How does Sarma compare to its peers?

How does Sarma compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Sarma National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

95%

91%

Consumer-dispute ratelower is better

14%

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	42
Attempts to collect debt not owed	38
Cont'd attempts collect debt not owed	21
Disclosure verification of debt	10
Communication tactics	9
False statements or representation	8
Took or threatened to take negative or legal action	7
Threatened to contact someone or share information improperly	7
Improper contact or sharing of info	2
Electronic communications	1

Where do complaints against Sarma come from?

Sarma's own per-state count, not a national baseline.

Texas

99
California

8
Florida

6
Arizona

3
Virginia

3
Illinois

2
Michigan

2
New Mexico

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Sarma: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 145.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 93.66197183098592%.

4 peers

Know your rights before responding to Sarma: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.