Concora Credit Class Action Settlement: Wrong-Number Robocalls, Claims Due October 19, 2026
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The Concora settlement in the news is Seals v. Concora Credit Inc., a $9,375,000 deal over prerecorded calls to cell phones that did not belong to Concora customers. It is for people who were called by mistake — not for Indigo cardholders called on their own number. Class counsel estimates $250 to $650 per approved claim. Claims, opt-outs and objections must be postmarked by October 19, 2026; the final approval hearing is November 24, 2026.
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Reviewed by Leonard Goldberg, Editor · Last updated
What the Concora Class Action Is About
Concora Credit Inc. is the lender behind the Indigo Mastercard and was formerly known as Genesis FS Card Services. The lawsuit alleges that Concora placed calls using an artificial or prerecorded voice to cell phones without the called person’s prior express consent, in violation of the Telephone Consumer Protection Act (TCPA).
The named plaintiff never had an Indigo account. Her complaint lists 22 prerecorded voicemails between March 25 and June 30, 2023 from (800) 353-5920, opening with “This is Genesis FS Card Services calling regarding an important business matter about your Indigo account.” The theory is simple: whatever consent a cardholder gave does not cover a number that was mistyped or later reassigned to someone else. Concora has not admitted wrongdoing; the parties settled to avoid the cost and risk of further litigation.
Our September 2026 news report walks through the complaint, the class count and the fee request in detail.
Case Details
Seals v. Concora Credit Inc., No. 3:25-cv-00728-AN, U.S. District Court for the District of Oregon (Portland), Judge Adrienne Nelson. Filed May 1, 2025. Class counsel: Greenwald Davidson Radbil PLLC. Concora is represented by Womble Bond Dickinson (US) LLP.
A separate, unrelated case: Yousef v. Concora Credit Inc., No. 3:26-cv-05974, U.S. District Court for the Western District of Washington, Judge Benjamin H. Settle, filed August 27, 2026. It alleges that Concora violated the Fair Credit Reporting Act by not giving job applicants and employees copies of the background-check reports it obtained. As of October 2026 it is at the pleading stage — Concora’s deadline to respond was extended to October 26, 2026. There is no settlement and nothing to claim in that case.
Concora also faces a steady stream of individual consumer suits (credit reporting, collection calls, bankruptcy disputes). Those are one-person cases, not class actions, and do not pay anyone else.
Status: Settlement Open for Claims
Don't miss the claim deadline
Claims are due by October 19, 2026. We'll email you 7 days and 1 day before the deadline.
Who Qualifies for the Concora Settlement
You are in the class if all of this is true:
• you were not a Concora accountholder at that number;
• Concora placed (or had someone place) a call to your cell phone;
• the call used an artificial or prerecorded voice;
• it happened between May 2, 2021 and May 31, 2026.
Court documents, citing Concora’s own data, put the class at approximately 147,083 unique cell numbers. Typical members got voicemails about “your Indigo account” from Genesis FS Card Services or Concora, often because a previous owner of the number or a stranger had listed it. If you are or were an Indigo cardholder and were called about your own account, you are not in this class.
How Much the Concora Settlement Pays
What is left is split in equal shares among approved claimants. The notice estimates $250 to $650 per person and says the real figure may be more or less depending on how many people claim. For context, the TCPA sets damages at $500 per call, up to $1,500 if willful — but settlements trade that for certainty, and consent is a complete defense. Try the payout calculator to see how claim rates move per-person amounts.
How cases like this one end
Our copy of the federal courts’ own case database covers 7,184 federal civil cases of this typeclosed in U.S. federal district courts between 2015 and 2025, 41.9% of them filed as class actions:
- 32.3% ended in a settlement recorded by the court. Another 44.4% were dismissed voluntarily, which often follows a private settlement — so the real settlement share sits between 32.3% and 76.7%.
- 1.7% were decided on a motion before any trial.
- 1 in 1,437 reached a trial (0.1%), after a median of 18.4 months.
- Median time from filing to the end of the case: 4.1 months.
- Only 83 of them (1.2%) record a money award at all; the median of those is $41,000.
These are base rates for this type of case — not a prediction about this lawsuit, and not legal advice. Source: Federal Judicial Center, Integrated Database (civil), analysed by Settlement Insight. Cases heard in state courts are not included.
Concora Settlement Timeline
- 1
May 1, 2025 — Lawsuit Filed
Seals v. Concora Credit Inc. is filed in federal court in Oregon, alleging prerecorded calls to a non-customer’s cell phone.
- 2
August 5, 2026 — Preliminary Approval
Judge Nelson preliminarily approves the $9,375,000 settlement and sets the notice and claim schedule.
- 3
September 4, 2026 — Postcards and Fee Request
Scheduled date for mailing postcard notices with claim forms, funding the settlement and filing the attorneys’ fee petition.
- 4
October 19, 2026 — Claim, Opt-Out and Objection Deadline
Claims, exclusion requests and objections must be postmarked or submitted by this date. Late claims are not covered by the notice.
- 5
November 24, 2026 — Final Fairness Hearing
The court decides whether to grant final approval, at 1:00 p.m. in Portland. The date can move; check the official site or PACER.
- 6
After Final Approval — Payments
Payments go out no later than 30 days after the judgment becomes final. An appeal would push that back.
Three Things to Watch For
A settlement about unwanted calls attracts more unwanted calls. Watch for these:
Calls or texts “from the Concora settlement”
The official notice went out by mail as a postcard. The administrator’s number in the notice is 1-(866)-686-0059. Anyone phoning you to “confirm your payout” or asking for your bank details or Social Security number is not following the court-approved process.
Fee-to-file or “claim service” sites
Filing is free and class counsel is paid only from the fund if the court approves it. Online claims on SealsTCPASettlement.com need the claimant ID and access code printed on your postcard — a site that lets you claim without one, or charges a fee, is not the official process.
Pitches aimed at Indigo cardholders
This settlement is for people who were not Concora customers. Messages telling Indigo cardholders they are owed money from the Concora class action are wrong — and may be fishing for account numbers.
Concora Settlement — Questions People Ask
What is the Concora Credit class action settlement?
It is the $9,375,000 settlement in Seals v. Concora Credit Inc. (D. Or., No. 3:25-cv-00728-AN). It resolves claims that Concora made artificial or prerecorded voice calls to cell phones of people who were not its accountholders, between May 2, 2021 and May 31, 2026.
How much will I get?
The notice estimates $250 to $650 per approved claimant, paid in equal shares from what remains of the $8,375,000 fund after court-approved fees and costs. The final amount depends on how many valid claims are filed.
What is the deadline?
Claims, opt-outs and objections must be postmarked or submitted by October 19, 2026. If that date has passed, the notice provides no way to file late.
I never got a postcard. Can I still claim?
Yes, but only by mail. Write to Seals v. Concora Credit Inc., Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599 and include proof that Concora left an artificial or prerecorded call or message on your cell phone between May 2, 2021 and May 31, 2026 — for example a saved voicemail or a carrier call log. The administrator sends a claim form, which must still be postmarked by October 19, 2026. The online form only works with the codes from a postcard.
I have an Indigo card. Am I included?
Not for calls about your own account. The class is limited to people who were not Concora accountholders. If you held a card but Concora called a different cell number of yours that it had no consent for, read the notice carefully or ask the administrator.
Is the postcard or the settlement website real?
The court-authorized notice names SealsTCPASettlement.com as the official site and 1-(866)-686-0059 as the administrator’s number. The notice states it is “not a solicitation from a lawyer.” Check any contact against those details, and never pay to file.
What happens if I do nothing?
You get no payment, but if you are a class member you still give up the TCPA claims covered by the settlement. To keep the right to sue Concora yourself, you must exclude yourself by October 19, 2026.
Is there a newer Concora lawsuit?
Yes, but it is different. Yousef v. Concora Credit Inc., filed August 27, 2026 in the Western District of Washington, alleges Fair Credit Reporting Act violations in Concora’s hiring background checks. As of October 2026 there is no settlement in it. It does not affect the robocall settlement. For other open claims, see our open class action settlements list.
Separate from this case: were you injured in the last 2 years?
Class-action payouts are fixed amounts through an administrator. A personal injury claim is a different case — and often worth far more. Free estimate, no obligation.