Sarma

Sarma Collections Inc., strives to provide the best customer service to our consumersWe handle all correspondence seriously and in a timely mannerOn, November 3, 2014, we responded to your concern dated; October 12, 2014, our response included proper validation information regarding your account and information stating that the account will be updated to all three bureaus as, "paid in full." There were no violations by Sarma Collections Inc., however as a courtesy, we have placed a request for removal of this account with all three credit reporting agenciesWe have sent a certified letter on 09/08/to Mr [redacted] , stating that the account will be removed along with the AUD#, this number can be used to follow up with the bureaus to the update on their endIf you have any questions, please contact our office at 800-955-5238, and a representative will be happy to assist you

Ms***, The inquiry on your account was made by Platinum Mortgage GroupThe loan officer that handled your inquiry is named Scott and you can contact this company at 813-645-If you are still unfamiliar with the company that pulled your information, you may contact them directly or inform any of the credit bureaus to dispute this informationPlease contact our office if you need further guidance and we will be happy to assist you

We have received your response in regard to the documentation provided to you by our officeOn our previous letter, we informed you that we had removed the account from the credit reporting agencies in which we report due to your disputeSince we do not have sufficient documentation from you to compare the information we have on the account, we have closed this account in our office and will no longer report nor attempt to collect on this debtOur client [redacted] has been notified of your concernsPlease contact our office at your convenience if you need additional assistance at ###-###-####

SARMA Collections, Incstrives to provide the best possible customer service to our consumersWe would like to thank you for your feedback regarding your phonecall with our representativePlease be assured that we take all complaints seriously and will look into the matterAll phone calls are recorded and anystatements given by our representatives will be handled accordinglyAs a courtesy, we have requested deletion of this account from all credit bureausThe AUD control number is [redacted] , so that you may follow up with each bureauPlease note that the deletion process may take up to days

Complaint: [redacted] I am rejecting this response because: SARMA only responded to one inquiry!!!!!!!! I do agree to this one ONLY on 10/6/16, however did not approve the others from SARMA aka Network Credit Solutions neither does the mortgage companyIf this isn't removed this week I have an appointment with Channel on your Side about the mortgage company and SARMA aka Network Credit Solutions Regards, [redacted] ***

Sarma strives to report up to date information to the credit agencies in a timely mannerWe apologize for the inconvenience this may have caused, however if an account has been reported as paid in full to the bureaus, it may take up to days for the bureaus to update their recordsWe have re-submitted to have this account updated to paid in full as well as sent Ms [redacted] a letter showing her account has been paid and the control number to follwith bureaus if neededWe hope that we have resolved this issue, if Ms [redacted] shall need further assistance, please contact our office and representative will be happy to assist

In receipt of this complaint, we have reviewed the recording and quality of the call [redacted] , did in fact request the account be removed from his credit report after paying in full, however the representative stated the account could not be removed but would be updated to the bureaus as paid in fullAfter a review of both calls, it was determined that the representative never stated the account would be removed, only be updated and it may take 30-days for the bureaus to update on their endThis is also an opportunity to improve on call quality so there are no misunderstandings when communicating about credit reportingOur Quality Assurance department will send [redacted] a letter showing this account has been paid in full and will send another an update to the credit bureaus to state this account has been paid

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Good afternoon, I am writing to let you know that I have spoken with Sarma Collections todaySarma has resolved my issue with them and I am satisfied with the outcomeThey will be removing all negative remarks from my credit reportYou may now close this complaint accordingly Thank you very much! - [redacted]

Sarma Collections, Incstrives to provide the best possible customer service to our consumersPlease be assured that we take all complaints seriously and have looked into the matterAll phone calls are recorded and any statements given by our representatives are handled accordinglyAs stated in our response to your original complaint on August 15, 2015, we found no misrepresentation by our representative that request for removal would be submitted once the account was paidWe are contracted by our clients to handle their accounts according to their specifications and have been contracted by this client to update the accounts based on their status, "Paid" or "Unpaid."As a courtesy, we have placed a request for removal with all three credit reporting agencies, Experian, Equifax and TransunionWe will send [redacted] a letter stating this and the control number in order to follow up with the reporting agenciesThe reporting agencies may take up to days to update records on their end

We have received your complaint regarding an account we are servicing for USAAPlease be assured that we take all complaints seriously and will investigate this thoroughlyIn your complaint, you state that you have been victim of a fraudWe ask that you provide documentation, such as a police report referencing your claimAlso, please provide a copy of your driver’s license so that we may compare to our records on file We have reported this complaint to our client and placed this account on hold in our officeOnce we receive your documentation and further investigate this account with the additional documentation and with our client, we will provide you with additional detailsIf you have any questions, please do not hesitate to reach out to us at ###-###-####

Sarma strives to report accurate information in a timely manner to the three credit reporting agencies for paid in full accountsWe apologize for any inconvenience this delay may have caused However, once the account is reported as paid in full, it may take up to days on the bureaus end to update their recordsWe will send Ms [redacted] a letter stating the account has been paid in full for her records and the control number so that she may follow up with bureausPlease contact a representative at Sarma for any further questions and we will be glad to assist

Complaint: 1***
I am rejecting this response because: I should not have to provide anything more than what I already haveIf your client ( and or you) feel that you have enough to take me to court than do sootherwise remove from my credit report
Regards,
*** ***

Good Morning, It is Sarma's policy to report consumer information to a consumer reporting agencies in a reasonable manner such that the information is accurate and has integrityUpon receipt of this complaint, a Sarma Quality Assurance agent contacted the client, *** ***
***, to determine if the amount is in fact the consumer's responsibilityThe client informed Sarma, that the amount was applied to the consumer's deductible, however the consumer may contact their Primary Care Manager to obtain a retro authorization in order to resolve the balance.After review of Mr***'s account, Sarma made the required attempts to contact the consumer by mail and phone numberHowever, Sarma has made the decision to no longer handle this account and has returned the account to the clientSarma, has also sent a request to remove this account information from all three credit reporting agenciesA letter stating the the client's response and the removal of this account from all three credit bureaus has been sent to the consumerFor further questions on this account the consumer will need to contact *** *** ***

Ms***, Sarma Collections, Inc., is a consumer driven company, we strive to assist our consumers with the best possible solution to manage their accountsI apologize for any inconvenience you may have encounteredAfter reviewing our records pertaining to the accounts you have
mentioned, our records indicate that our representatives have been unable to reach you to discuss the accounts in questionHowever, our client, Paris Regional Medical center, withdrew these accounts from our databaseThis means we no longer handle these accountsWe had also removed the accounts from the three credit reporting agencies when the accounts were withdrawnPlease see below Account# ***Amount 60.65Removed 06/29/15Account# 142950230Amount 15.33Removed 12/30/14 Account# ***Amount 182.60Removed 01/02/15 Credit Reporting agencies may take up to days to remove an account after we have removed this account from our databaseIf these accounts are still appearing on your credit, you may dispute directly with each reporting agency and we will inform them to delete the accountYou may also contact the agencies and provide reference# *** to confirm our request to remove these accountsOur Please contact our office if you need further assistance, we will be glad to assist you to get this matter resolvedOur number is 800-955-

Complaint: ***
I am rejecting this response because; I was told two different versions of the events that would transpire after paymentI am calling into question the authenticity of their recording, and that it hasn't been edited to favor Sarma Collections Inc (hereby referred as SCI)Every other collection agency can remove derogatory items, but for some reason they are the only ones unable to perform the same unattainable featDebt Collection agencies just like SCIhave the power to add derogatory information, adversely affecting peoples lives, but then they state they are not able to remove those derogatory itemsI've fulfilled my obligation by paying the debt, it's time they fulfill their obligation, and remove the derogatory information THEY HAVE posted on my credit reportsThe following statement is posted on SCI's own website, located at http://www.sarma.com/credit-reports-and-credit-scores/ "If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit bureaus so they can correct the information in your credit report." There is no longer a derogatory report or debt owed to either the original creditor or the collection company that was either hired by, or purchased the debt from the original creditorSCI, contradicts their own statements, and the above referenced quote proves itIn conclusion SCIis on record with the Consumer Financial Protection Bureau for violations of the FDCPAThey proudly display a PDF file on their website which contains data from and 2014, but not prior to those yearsCompanies like SCI are in bed with with the credit reporting bureau's, and would be out of business if regulations were put in place to protect consumers from unfair reporting practices by businesses like SCISCI has the power to prevent consumers from purchasing anything on credit, regardless if the debt is valid, committed through fraud, by theft of identity, or a simple reporting errorConsumer recourse for identity theft is non-existent, as I have personally found outThey require little to no proof on whether the debt is valid or not, just a retainer from the company they are hired to representI stand by the statement that this derogatory item would be removed by SCI from adversely affecting my credit report, regardless of what they insinuate they have recordedIf any other creditor can have derogatory items removed from credit reports, but SCI cannot, that in itself proves that their word means nothing.Regards,
*** ***

Hello, Thank you for reaching out to us to assist you with a credit reporting issue you have encounteredAfter reviewing your information for account# *** and account# ***, our records indicate you paid off the accounts on 9/21/We updated the credit bureaus with this
information as paid in full and as a courtesy we also requested the bureaus to delete these accounts from your credit report on 9/21/The credit reporting agencies may take up to ninety (90) days to update information on their end, however, in the letter mailed to you with your updated account status, you should have received a confirmation number which confirms we have communicated your updated information to the credit reporting agenciesIf you did not receive this information, the confirmation numbers are as follows: account# ***/confirmation (aud)# *** and account number# ***/confirmation (aud)# ***You may contact the credit reporting agencies and provide these numbers in order to expedite this process if needed. You also stated we are reporting an account older than seven (7) yearsOur records indicate account number ***, was placed with us in 9/2002, however we closed this account and ceased reporting as of You did not provide any account numbers to ensure this is the account in questionWe will send a manual deletion request to the credit reporting agencies, if they are continuing to report this account. We did locate another account with our client Urology San Antonio, in the amount of $120.00, that was placed with us on 1/10/You spoke with one of our representatives asking the account to be deletedAfter speaking with a supervisor, it was approved that the account would be deleted once the account is paidYou spoke with Chona on 9/19/19, per recording, you would come in to the office to pay in personWe have yet to receive this payment, once the account is paid, we will gladly remove the accountYou may make a payment online at www.whatisthisletter.com, by phone with a representative, or in personWe did not locate any other accounts, if there is an account we did not discuss, please give us a call so we may assist you immediately, as we want to ensure all of your concerns are handled accordingly. Best Regards, *** ***Compliance Officer

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12678288, and find that this resolution is satisfactory to me
Regards,
*** ***PSIF THE ACCOUNT IS CLEARED AS PROMISED THEN I AM SATISFIED DISPITE THE FACT THAT I WAS NOT MADE AWARE OF THIS OBLIGATION BY SARMA EVER - IT WAS REPORTED TO ME BY MY CREDIT WATCHING SERVICE

Dear Mr***, We have received your correspondence regarding the incorrect information you identified on your online accountThank you for bringing this issue to our attentionPlease be assured that we take all complaints seriously and handle them appropriatelyWe have reviewed your
claim with our vendorOur vendor completed a thorough investigation and determined this was an anomaly and corrected the issue on your accountWe have also discussed this issue with our representatives and coached them on appropriate escalation handlingOur company maintains annual PCI compliance and we undergo regular auditsWe will continue to work diligently to ensure issues such as these do not reoccurThank you again for reaching out to usWe listen to all our consumers and strive to service them with the utmost professionalism. Best Regards, Sarma Compliance

We are in receipt of your complaint dated 5/5/2017, please be assured that we take all complaints seriouslyAfter thorough review of your account it has been determined that Sarma Collections, Inc., did not violate the FDCPA as you claimedWe received placement of the account on 12/19/2016,
initial communication obtaining all disclosures required by FDCPA was sent on 12/22/2016, this was within the five-day requirementOur records indicate we made reasonable attempts to reach you by phone, we understand that your credit is importantWe are willing to work with you to resolve this account and as a courtesy we have removed your account from the credit reporting agencies in which we report toWe will submit a removal request today, please keep in mind that it may take up to days for the credit reporting agencies to update their records on their endHowever, you make contact each one to determine the status of removalWe hoped that we have addressed your concerns and you are satisfied with the actions we have takenPlease contact our office if you need further assistance or have any questions