Concora Credit TCPA Prerecorded Call Class Action Settlement
Concora Credit TCPA Prerecorded Call Class Action Settlement
Concora Credit Inc., the servicer behind the Indigo, Destiny, and Milestone credit card brands, has agreed to a $9.375 million settlement over allegations that it placed artificial or prerecorded voice calls to the cell phones of people who were not Concora accountholders, in violation of the Telephone Consumer Protection Act (TCPA). U.S. residents who received a prerecorded or artificial voice call from Concora on a cell phone between May 2, 2021 and May 31, 2026, and who were not Concora accountholders, can submit a Claim Form by October 19, 2026. Each approved claimant is estimated to receive between $250 and $650 from the $8.375 million cash fund, depending on how many class members participate.
Settlement fund
$9.375M
Includes $8.375M cash fund
Top payout
$250 to $650
Estimated per claimant
Claim deadline
Oct 19, 2026
37 days remaining
You may be owed money
Filing is free and takes a few minutes. Deadline: Oct 19, 2026.
Do you qualify?
You are a Class Member if ALL of the following apply:
- Concora Credit Inc. placed, or caused to be placed, a call to your cellular telephone number between May 2, 2021 and May 31, 2026.
- The call used an artificial or prerecorded voice (a robocall or prerecorded message rather than a live person).
- Your cell number was not assigned to a Concora accountholder at the time, meaning you were not a Concora, Indigo, Destiny, or Milestone cardholder and the call was a so-called wrong-number call.
- If you received a postcard notice with a Claimant ID and Access Code, no phone records or other proof are required to file online.
- Excluded: Anyone who was a Concora accountholder when the call was placed, and anyone who gave Concora prior express consent to receive the calls.
Not sure if you qualify? Call the Settlement Administrator at 1-866-686-0059, or visit SealsTCPASettlement.com.
What happened
Plaintiff Alexis Seals filed this proposed class action against Concora Credit Inc. in the U.S. District Court for the District of Oregon, alleging that Concora violated the Telephone Consumer Protection Act by using an artificial or prerecorded voice in calls placed to cellular telephone numbers without the prior express consent of the people it reached. The calls at issue were directed to cell numbers that were not assigned to Concora accountholders, so the people who answered were not the customers Concora was trying to reach. The TCPA provides for statutory damages of $500 per violating call, and up to $1,500 per call for willful violations.
Concora denies the allegations and denies that it violated the TCPA, and prior express consent is a complete defense to a TCPA claim. The Court has not decided who is right or wrong. The parties agreed to settle to avoid the time, risk, and expense of continued litigation. In addition to the cash fund, Concora has committed to spend at least $1 million over three years on TCPA compliance, including use of the FCC's Reassigned Numbers Database, periodic internal auditing, and employee training. The Court preliminarily approved the settlement on August 5, 2026.
How to file a claim
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1. Confirm you are eligible
You qualify if Concora placed an artificial or prerecorded voice call to your cellular telephone between May 2, 2021 and May 31, 2026, and your number was not assigned to a Concora accountholder at the time. If the Settlement Administrator mailed you a postcard notice and Claim Form, you are very likely a Settlement Class Member. Notices were mailed beginning September 4, 2026.
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2. Estimate your payment
The $8.375 million cash Settlement Fund is divided into equal shares among Settlement Class Members who submit timely, approved Claim Forms, after deducting 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). The Notice estimates each approved claimant will receive between $250 and $650. The actual amount may be higher or lower depending on how many class members file approved claims. There is only one claim type, so no tier selection is needed.
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3. File online or by mail
If you received a postcard notice, submit your claim online at SealsTCPASettlement.com using the Claimant ID and Access Code printed on your notice, or mail the completed paper Claim Form (postmarked by October 19, 2026) to: Seals v. Concora Credit Inc., Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599. If you did not receive a notice but believe you qualify, write to the Administrator at that address and include proof that you received an artificial or prerecorded voice call from Concora on your cell phone during the class period; the Administrator will then send you a Claim Form, which must be returned postmarked by October 19, 2026. The Long Form Notice, Settlement Agreement, and Preliminary Approval Order are posted on the Documents page of the settlement website.
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4. Receive your payment
If the Court grants final approval at the November 24, 2026 Final Fairness Hearing, payments will be sent to approved claimants no later than 30 days after the judgment becomes final. If anyone appeals the settlement, payment may be delayed until the appeal is resolved, which can take a year or more. No follow-up is required once your Claim Form is submitted.
Key dates
- Oct 19, 2026 Opt-out & objection deadline Upcoming
- Oct 19, 2026 Claim filing deadline Upcoming
- Nov 24, 2026 Final Fairness Hearing (1:00 p.m. PT, in person) Upcoming
- TBD after final approval Payments issued to claimants Pending
The Final Fairness Hearing is scheduled for November 24, 2026 at 1:00 p.m. Pacific Time, in person, before the Honorable Adrienne Nelson at the Mark O. Hatfield United States Courthouse, 1000 Southwest Third Avenue, Portland, OR 97204. The hearing date may change without further notice, so check SealsTCPASettlement.com or PACER before traveling.
Where the money is going
The $9.375 million total has two parts: an $8.375 million cash Settlement Fund paid to class members after deductions, and a mandatory $1 million minimum spend by Concora on TCPA compliance over three years. Notice and administration costs, attorneys' fees, litigation costs, and the incentive award all come out of the cash fund before per-claimant shares are calculated. Each approved claimant receives an equal share of what remains.
All amounts listed above are pending and subject to final court approval at the November 24, 2026 Final Fairness Hearing. The Court may award less than the amounts requested. Each approved claimant receives an equal share of the net cash fund, so the actual per-claimant amount depends on how many Settlement Class Members participate.
Common questions
How much money will I receive?
The Notice estimates each approved claimant will receive between $250 and $650. The actual amount is an equal share of the $8.375 million cash Settlement Fund after deducting 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). The more class members who file approved claims, the smaller each share; the fewer who file, the larger each share. Class Counsel has estimated the class at roughly 147,000 people.
Do I need to submit proof of purchase?
If you received a postcard notice in the mail, you do not need phone records or call logs. Simply enter the Claimant ID and Access Code from your notice at SealsTCPASettlement.com or return the paper Claim Form. If you did not receive a notice, you can still request a Claim Form by writing to the Settlement Administrator, but you must include proof that Concora placed an artificial or prerecorded voice call to your cell phone between May 2, 2021 and May 31, 2026, such as a voicemail, call log, or screenshot.
What if I didn’t receive a notice?
You may still be eligible. Write to Seals v. Concora Credit Inc., Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599, and include proof that you received an artificial or prerecorded voice call from Concora on your cell phone during the class period. If your request is accepted, the Administrator will send you a Claim Form, which must be returned postmarked by October 19, 2026. You can also call 1-866-686-0059 with questions. Note that the online Claim Form requires a Claimant ID and Access Code, so it is only available to people who received a notice.
Does staying in the class affect my right to sue later?
Yes. Unless you mail a written request for exclusion postmarked by October 19, 2026, you will be bound by the Settlement and will release certain TCPA-related claims you may have against Concora arising from the artificial or prerecorded voice calls at issue. That means you cannot separately sue Concora for the same alleged violations. Exclusion requests go to Seals v. Concora Credit Inc., ATTN: EXCLUSION REQUEST, Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599, and must include your name, address, the cell number Concora called, and a clear statement that you want to be excluded. The full release language is in the Settlement Agreement on the Documents page of SealsTCPASettlement.com.
When will payments be sent out?
If the Court grants final approval at the November 24, 2026 Final Fairness Hearing, payments will be sent to approved claimants no later than 30 days after the judgment becomes final. If anyone appeals, payment may be delayed until the appeal is resolved, which can take a year or more. No action is required after a valid Claim Form is submitted; just monitor SealsTCPASettlement.com for updates.
Dapeer Law, P.A.
Consumer class action attorneys based in South Florida. We track settlements so you don’t have to.
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This page is for informational purposes only and does not constitute legal advice. Dapeer Law, P.A. is not the administrator of this settlement and is not affiliated with Concora Credit Inc., Rust Consulting (the Settlement Administrator), or Class Counsel Aaron D. Radbil of Greenwald Davidson Radbil PLLC. The case is Seals v. Concora Credit Inc., Case No. 3:25-cv-00728-AN, pending in the U.S. District Court for the District of Oregon before the Honorable Adrienne Nelson. Class representatives are Alexis Seals. Concora denies wrongdoing. This website is attorney advertising. Past results do not guarantee future outcomes.