Sarma
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 10 |
| 2015 | 12 |
| 2016 | 11 |
| 2017 | 13 |
| 2018 | 23 |
| 2019 | 27 |
| 2020 | 27 |
| 2021 | 24 |
| 2022 | 12 |
| 2023 | 16 |
| 2024 | 10 |
| 2025 | 22 |
| 2026 | 9 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Sarma
Sarma has 142 debt-collection complaints on file with the CFPB, which represents 64.5% of the 220 total complaints the Bureau has received about this entity. Reports have originated from consumers in 28 states and territories, making this a multi-state collection operation as measured by complaint volume. Consumers most frequently describe "Medical debt" as the debt type behind their complaint about this collector. "Written notification about debt" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 93.2%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is under the 95% benchmark collectors are expected to hit, often a precursor to higher dispute rates. Among resolved cases, 0.5% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. In 14.3% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Sarma have?
The CFPB has logged 142 debt-collection complaints against Sarma, 64.5% of all complaints filed against this company.
Does Sarma respond to complaints on time?
93.2% of the CFPB complaints against Sarma get a response within the expected window.
Does Sarma provide relief to consumers?
0.5% of resolved complaints against Sarma were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Sarma primarily collect?
Based on CFPB complaint records, Sarma's primary debt type is "Medical debt"; the complete breakdown is shown above.
What rights do I have against Sarma?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Sarma active?
Consumers in 28 states and territories have filed CFPB complaints against Sarma.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.