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

CFPB complaint data Grade D 145 complaints

Sarma - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade D.

Complaints by issue type

What consumers report about Sarma

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 145
  • GRADE D
  • 12MO 16
  • STATES 23
  • TIMELY 94%
  • DISPUTE 14%
  • ISSUE Written notification about…
  • RANK #671
  • COMPOSE Not ranked

Volume peers

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

JDJ Investments, INC.JDJ Investments, INC.145KeyBridge Medical Revenue ManagementKeyBridge Medical Revenue Ma…145National Recovery Solutions, LLCNational Recovery Solutions,…145Sarma (this)Sarma (this)145Block, Inc.Block, Inc.146
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 →

How the 145 complaints break down

Every complaint issue type on record for Sarma, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.8/100
Sarma

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
145
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
94%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

68.3% of Sarma's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#671 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
16
32
268
Timely-response ratehigher is better
94%
95%
91%
Consumer-dispute ratelower is better
14%
10%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Sarma a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Sarma vs. 10 similar-volume peers, by response speed and dispute rate SarmaNational Recovery Solutions, LLCKeyBridge Medical Revenue ManagementJDJ Investments, INC.Keynote Consulting, Inc.PREFERRED CREDIT INCStuart-Lippman and Associates, IncMetro Collection Service Inc.Integrity Solution Services, Inc.Fairway Capital Recovery, LLCCeannate
Source: CFPB Consumer Complaint Database

Sarma's complaint volume in context

Sarma vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

145 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Sarma 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Sarma

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.