Sarma -- Consumer Complaint Report & Risk Analysis
Debt Collection and Credit Reporting Issues
Complaint Summary
Sarma has received 22 consumer complaints filed with the CFPB across 5 products. The most common issues reported are written notification about debt, improper use of your report, problem with a credit reporting company's investigation into an existing problem. Complaints span 9 states, with Texas and Florida leading in complaint volume.
Company Overview
Company: Sarma
Total CFPB Complaints: 22
AI Risk Score: 45/100
Most Recent Complaint: 2023-12-06T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: low
AI Company Analysis
Sarma has 22 consumer complaints on file with the CFPB. Company fails to provide timely written notification about debt Improper use of consumer's credit report
Response Quality Assessment
fair
Top Consumer Issues
Failure to provide timely written notification about debt -- Severity: medium
Red Flags
- Company has a history of improper use of consumer's credit report
Green Flags
- Company has a history of timely responses to consumer inquiries
Consumer Tips & Advice
Consumers should request written confirmation of any debt collection actions.
Complaint Trend Analysis
There is a trend of increasing complaints about debt collection practices and credit reporting accuracy.
Regulatory History
Regulatory history shows mixed compliance with debt collection and credit reporting laws.
Industry Context
The industry context is focused on improving accuracy and timeliness in debt collection and credit reporting.
Frequently Asked Questions About Sarma
How many CFPB complaints does Sarma have?
Sarma has 22 complaints on file with the CFPB. The most recent complaint was filed on December 6, 2023.
What is Sarma's complaint response rate?
Response rate data is not yet available for Sarma.
Does Sarma respond to complaints on time?
Timely response data is not yet available for Sarma.
Is Sarma safe to do business with?
Debt Collection and Credit Reporting Issues Sarma has 22 CFPB complaints. Risk score: 45/100.
What red flags exist for Sarma?
Potential red flags for Sarma: Company has a history of improper use of consumer's credit report. These are based on analysis of CFPB complaint patterns.
What are Sarma's strengths?
Positive indicators for Sarma: Company has a history of timely responses to consumer inquiries.
What tips should consumers know about Sarma?
Consumers should request written confirmation of any debt collection actions.
Are complaints against Sarma increasing or decreasing?
There is a trend of increasing complaints about debt collection practices and credit reporting accuracy. Sarma currently has 22 total complaints.
Has Sarma faced regulatory action?
Regulatory history shows mixed compliance with debt collection and credit reporting laws.
How does Sarma compare to industry peers?
The industry context is focused on improving accuracy and timeliness in debt collection and credit reporting.
What unique insight can be drawn from the complaint data?
The company has a recurring issue with timely written notifications and improper use of credit reports, indicating a need for improved communication and compliance practices.
Recent Complaints Against Sarma
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #19257423 | Debt collection | Took or threatened to take negative or legal action | 2026-02-04T12:00:00-05:00 | Georgia | |
| #14007623 | Debt collection | Written notification about debt | 2025-06-10T12:00:00-05:00 | Texas | |
| #13292976 | Debt collection | Written notification about debt | 2025-05-01T12:00:00-05:00 | Texas | |
| #11384778 | Credit reporting or other personal consumer reports | Improper use of your report | 2025-01-04T12:00:00-05:00 | Texas | |
| #9058345 | Debt collection | Communication tactics | 2024-05-20T12:00:00-05:00 | Armed Forces Pacific | |
| #8171281 | Credit reporting or other personal consumer reports | Improper use of your report | 2024-01-17T12:00:00-05:00 | Florida | |
| #7961124 | Debt collection | Threatened to contact someone or share information improperly | 2023-12-06T12:00:00-05:00 | Texas | |
| #7260051 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2023-07-16T12:00:00-05:00 | Florida | |
| #6827099 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2023-04-11T12:00:00-05:00 | California | |
| #6298994 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2022-12-08T12:00:00-05:00 | Florida | |
| #5905517 | Checking or savings account | Managing an account | 2022-08-22T12:00:00-05:00 | Arizona | |
| #5618828 | Mortgage | Incorrect information on your report | 2022-05-28T12:00:00-05:00 | Texas | |
| #5550868 | Debt collection | Written notification about debt | 2022-05-09T12:00:00-05:00 | Connecticut | |
| #5342683 | Debt collection | False statements or representation | 2022-03-19T12:00:00-05:00 | Arizona | |
| #5110100 | Debt collection | Attempts to collect debt not owed | 2022-01-14T12:00:00-05:00 | New Jersey | |
| #4952283 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2021-11-27T12:00:00-05:00 | Texas | |
| #4691707 | Checking or savings account | Problem with a credit reporting company's investigation into an existing problem | 2021-09-03T12:00:00-05:00 | Texas | |
| #4620648 | Debt collection | Attempts to collect debt not owed | 2021-08-10T12:00:00-05:00 | Texas | |
| #4620195 | Credit reporting, credit repair services, or other personal consumer reports | Problem with a credit reporting company's investigation into an existing problem | 2021-08-10T12:00:00-05:00 | Texas | |
| #4570575 | Debt collection | Written notification about debt | 2021-07-22T12:00:00-05:00 | Texas |
Sarma Complaints by State
- Sarma Complaints in Texas -- 11 complaints
- Sarma Complaints in Florida -- 3 complaints
- Sarma Complaints in Arizona -- 2 complaints
- Sarma Complaints in Georgia -- 1 complaints
- Sarma Complaints in Armed Forces Pacific -- 1 complaints
- Sarma Complaints in California -- 1 complaints
- Sarma Complaints in Connecticut -- 1 complaints
- Sarma Complaints in New Jersey -- 1 complaints
- Sarma Complaints in Louisiana -- 1 complaints
Sarma Complaints by Product
- Sarma Debt collection Complaints -- 10 complaints | All Debt collection Complaints
- Sarma Credit reporting, credit repair services, or other personal consumer reports Complaints -- 7 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
- Sarma Credit reporting or other personal consumer reports Complaints -- 2 complaints | All Credit reporting or other personal consumer reports Complaints
- Sarma Checking or savings account Complaints -- 2 complaints | All Checking or savings account Complaints
- Sarma Mortgage Complaints -- 1 complaints | All Mortgage Complaints
Sarma Complaints by Issue
- Sarma -- Written notification about debt -- 4 complaints | All Written notification about debt Complaints
- Sarma -- Improper use of your report -- 4 complaints | All Improper use of your report Complaints
- Sarma -- Problem with a credit reporting company's investigation into an existing problem -- 4 complaints | All Problem with a credit reporting company's investigation into an existing problem Complaints
- Sarma -- Incorrect information on your report -- 3 complaints | All Incorrect information on your report Complaints
- Sarma -- Attempts to collect debt not owed -- 2 complaints | All Attempts to collect debt not owed Complaints
- Sarma -- Took or threatened to take negative or legal action -- 1 complaints | All Took or threatened to take negative or legal action Complaints
- Sarma -- Communication tactics -- 1 complaints | All Communication tactics Complaints
- Sarma -- Threatened to contact someone or share information improperly -- 1 complaints | All Threatened to contact someone or share information improperly Complaints
- Sarma -- Managing an account -- 1 complaints | All Managing an account Complaints
- Sarma -- False statements or representation -- 1 complaints | All False statements or representation Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Sarma is generated by ReadTheComplaint using AI analysis of data from the CFPB.