Debt collector · complaint record
Sarma complaints
Consumers have filed 229 complaints about Sarma since 2013, 19 of them in the last 12 months (-14% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 229
- Last 12 months
- 19
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #540 of 1,963
Since July 2013
-14% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 21, 2026
Most complained-about debt collectors
Sarma complaints by month
The busiest month was November 2020 (8 complaints). Complaints in the last 12 months are down 14% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Sarma answered all time
- Closed with non-monetary relief10.4%
- Closed with explanation22899.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Sarma complaints are about
Top Sarma problems
Inside "Written notification about debt"
- Didn't receive enough information to verify debt 35
- Didn't receive notice of right to dispute 6
- Notification didn't disclose it was an attempt to collect a debt 1
Where Sarma complaints come from
Most complaints: Texas (137), Florida (25), California (15), Georgia (4), Louisiana (4).
Sarma compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | SarmaDebt collection | - | 19 | - |
Compare side by side: Sarma vs Green Square · Sarma vs EMoneyUSA · Sarma vs Mullooly Jeffrey Rooney & Flynn · Sarma vs Credit World Services
What people say about Sarma
All experiencesNo experiences with Sarma yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Sarma complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 9, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 24, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 10, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 30, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Sarma
How many complaints does Sarma have?
Sarma has 229 complaints on record since July 2013, including 19 in the last 12 months and 1 in the last 30 days. That makes it number 1,102 of every company by complaints this year.
Does Sarma respond to complaints?
Yes. Sarma answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Sarma?
The most common problems are took or threatened to take negative or legal action (8), improper use of your report (40), written notification about debt (42).
Is Sarma legit?
Sarma is a real company with a public complaint record: consumers have complained about it 229 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Sarma legit? for the signals, red flags and how to protect yourself.
Are complaints about Sarma going up or down?
Down. There were 19 complaints in the last 12 months against 22 in the 12 before (-14%). See every month.
How do I file a complaint against Sarma?
Complain to Sarma in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Sarma complaints come from?
Most come from Texas (137), Florida (25), California (15). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Sarma
No comments yet. Start the conversation - questions are welcome too.