Concora Credit Robocalled 147,083 Cell Phones That Did Not Belong to Its Cardholders — Now It Pays $250 to $650 a Person, but the Claim Form Only Comes With the Postcard, and Claims Close October 19

The complaint, filed May 1, 2025, is a log. Ms. Seals has been the subscriber and sole user of her cell number since about August 2022. Starting March 25, 2023 and ending June 30, 2023 it lists 22 dates on which Concora placed a call that left an artificial or prerecorded message from (800) 353-5920, each reciting the same text: “This is Genesis FS Card Services calling regarding an important business matter about your Indigo account. Please call me back at 800-353-5920 at your earliest convenience” — and, the complaint notes, “this message repeats itself such that the recording plays twice during the full voicemail message.” Dialing the number back reached a greeting: “Welcome to Concora Credit. We're happy to help you with your Indigo Mastercard account.” She “does not have, and never had, an Indigo account” and never consented to the calls.

Concora Credit Inc., headquartered in Beaverton, Oregon, is “a consumer financial services company focused on non-prime consumer credit” — the company behind the Indigo Mastercard — and was formerly known as Genesis FS Card Services. The statute is the Telephone Consumer Protection Act, 47 U.S.C. § 227(b): artificial or prerecorded voice calls to a cell phone require the called party's prior express consent, and the theory of the case is that whatever consent a cardholder gave does not cover a number that was dialed wrong or has since been reassigned to someone else.

The settlement class, as conditionally certified in the August 5, 2026 preliminary approval order, has four elements: a person in the United States; to whose cellular telephone Concora placed, or had a third party place, a call; using an artificial or prerecorded voice; between May 2, 2021 and May 31, 2026 — and the number was “not assigned to a Concora Credit Inc. accountholder.” Current and former Indigo cardholders called on their own numbers are not in it.

The number comes from the defendant's side. Class counsel's motion describes “careful review of Concora's call records and related third-party vendor analysis” showing that Concora delivered prerecorded messages “to approximately 147,083 unique 'wrong' or reassigned cellular telephone numbers” — either because the person who answered told Concora it was the wrong number, or because a vendor's analysis against the reassigned-numbers database indicates the number had changed hands before Concora called it. Judge Nelson adopted the figure in the numerosity finding. Those are the people to whom Rust Consulting was ordered to mail postcards by September 4.

The $9,375,000 headline is two things. $8,375,000 goes into a non-reversionary, interest-bearing settlement fund. The other $1,000,000 is a minimum Concora must spend within three years on TCPA compliance — telephone-number compliance procedures, periodic internal auditing, employee training — and never reaches a class member. From the cash fund the notice lists the deductions: notice and administration costs up to $340,000; attorneys' fees up to $3,000,000; litigation costs up to $25,000; and an incentive award to Ms. Seals up to $10,000. Approve all of it and roughly $5,000,000 is left for equal shares.

The $250 to $650 range is class counsel's estimate — the motion attributes it to Greenwald Davidson Radbil's projection “based on historical claims rates” — and it implies between roughly 7,700 and 20,000 approved claims, a five-to-fourteen-percent response from 147,083 numbers. If everyone claimed, the share would be about $34. The statute Ms. Seals sued under fixes damages at $500 per call, up to $1,500 if willful; her own 22 calls would have been worth $11,000 at the minimum. Counsel's comparison set, from the same motion: about $208 per claimant in Patterson, $146 in Johnson, $226 in a 2025 Texas case. Our own reference point is O'Reilly Automotive's wrong-number texts, which came out at about $22 a person.

The fee request, filed September 4, asks for 32 percent of the $9.375 million “cash value” — or, counsel argues, 22.16 percent once the practice changes are valued. That valuation, $4,164,068, comes from a forensic economist's report pricing freedom from unwanted robocalls at what consumers pay for call-blocking apps such as Nomorobo and YouMail. Opposition to the fee petition is due October 19, the same day as claims.

There is no PDF to download. The notice gives two ways in: mail the claim form that came with the postcard to Seals v. Concora Credit Inc., Settlement Administrator – 9243, P.O. Box 2599, Faribault, MN 55021-9599, or, “if you received a postcard notice and claim form in the mail,” file online at SealsTCPASettlement.com. Either way the deadline is a postmark of October 19, 2026.

If no postcard arrived, the route is narrower: write to the administrator at the same address and submit “proof of receipt of an artificial or prerecorded voice call or message from Concora to your cellular telephone between May 2, 2021 and May 31, 2026” — a screenshot of the voicemail from (800) 353-5920 or a carrier call log would be the obvious candidates — and the administrator sends a form, which still has to be postmarked by October 19. Exclusions and objections carry the same date. A practical note for anyone reading from abroad: the settlement website itself refused connections from outside the United States when we checked it, so use a U.S. connection or the mailing address.

Payment follows final approval: “no later than 30 days after the judgment in the lawsuit becomes final,” later if there is an appeal. The order's own calendar — fund and notice September 4; claims, opt-outs, objections and fee opposition October 19; motion for final approval October 25; oppositions November 10; replies November 17 — ends at the final fairness hearing on November 24, 2026 at 1:00 p.m. before Judge Nelson at the Mark O. Hatfield United States Courthouse, 1000 Southwest Third Avenue, Portland. Questions: 866-686-0059.