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

CFPB complaint data Grade C 145 complaints

Sarma - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade C.

Complaints by issue type

What consumers report about Sarma

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Sarma ranks ahead of 40% of the 5,283 collectors PlainCollector grades - 60% keep a cleaner CFPB record, on 145 all-time complaints and a 94% timely-response rate.

40th pct
reputation rank of 5,283 graded collectors
145
CFPB complaints, all-time
94%
answered inside the CFPB window
16
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Sarma?

Sarma has accumulated 145 total CFPB complaints across 23 states, with 16 filed in the most recent 12 months against 129 historical complaints before that window. The trailing-12-month volume represents 11.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt". The company posts a 94% timely-response rate against a 14% consumer-dispute-after-response rate.

Complaints have been recorded across 23 states, led by Texas with 99 and California with 8. Normalized against the full CFPB collector database, the reputation score of 59.3/100 places Sarma in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

145

mid-volume (CCDB)

Last 12 months

16

11.0% of all-time complaints

Falling ↓

States active

23

multi-region footprint

Timely response rate

94%

good band

Consumer disputes

14%

average (vertical avg ~19%)

Reputation grade

C

59.3/100 composite

How does Sarma's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 40th percentile higher than 40% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Sarma versus the debt-collection vertical average.

Timely response within SLA 93.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 13.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 41.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Sarma compare to its peers?

How does Sarma compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Sarma contacts you

A grade of C signals how Sarma's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Sarma and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Sarma ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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 C (score: 59.3/100), 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).

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

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.