If you had an Indigo card, you are not in this class. The Concora Credit robocall settlement runs the opposite way from almost every settlement people are used to: eligibility requires that the number called was not assigned to a Concora accountholder. It is built for the people who got recorded messages about somebody else’s account — and the administrator estimates $250 to $650 apiece. Claims close October 19, 2026.
Status: Claims open | Claim, opt-out and objection deadline all October 19, 2026 | $8,375,000 settlement fund | Estimated $250–$650 per approved claim
The Class Is Defined by Not Being a Customer
The Settlement Class is every person throughout the United States (1) to whom Concora Credit Inc. placed, or caused to be placed, a call, (2) directed to a telephone number assigned to a cellular telephone service but not assigned to a Concora Credit Inc. accountholder, (3) in connection with which Concora used, or caused to be used, an artificial or prerecorded voice, (4) from May 2, 2021 through May 31, 2026.
That second element is the one that trips people up. A number that belonged to a Concora accountholder during the class period is outside the class. A number that belonged to someone with no account, no card and no relationship with the company is inside it. That is the shape of a reassigned-number or wrong-number robocall case, and it is why the compliance half of the settlement is aimed at reassigned-number procedures rather than at consent records.
The class period is also wider than the one pleaded. The complaint asked for a class running four years back from filing through the date of class certification; the settlement fixes both ends, at May 2, 2021 and May 31, 2026. A qualifying call anywhere in that five-year window counts.
Excluded from the class are people who timely and validly exclude themselves. Class membership does not turn on remembering the call — the administrator mailed postcard notices to numbers identified for the case, and a claim form is what converts membership into a payment.
Genesis FS Card Services, Indigo, and the Same Company
A lot of people who received these calls will not recognize the name on the settlement website, because the recorded messages did not use it.
The complaint identifies Concora Credit Inc. as formerly known as Genesis FS Card Services, and describes prerecorded messages that opened by naming Genesis FS Card Services and referring to an Indigo account. It also alleges that the callback number in those messages answers with a greeting for Concora Credit and the Indigo Mastercard account. A message that used the older name is still the conduct the settlement class covers, so long as the call reached a number that was not assigned to a Concora accountholder during the class period.
What the Case Alleges
Seals v. Concora Credit Inc., Case No. 3:25-cv-00728-AN, was filed on May 1, 2025 in the U.S. District Court for the District of Oregon, Portland Division, where Concora is headquartered. The complaint alleges that Concora violated the Telephone Consumer Protection Act by using an artificial or prerecorded voice on non-emergency calls placed to cellular telephone numbers without prior express consent. It describes a repeating voicemail about an Indigo account that reached a number the named plaintiff had held since 2022 and that had never been given to the company.
Those are allegations, and the court has not decided them. The notice states that prior express consent is a complete defense to a TCPA claim, and describes the settlement as a way for both sides to avoid the time, risk and expense of continued litigation.
The court entered its order preliminarily approving the settlement on August 5, 2026. Under the schedule that order set, Concora funded the settlement fund and the administrator sent notice on September 4, 2026, which is the event that opened the claim process. Class counsel’s fee petition was filed the same day.
$9,375,000 Is Two Numbers, and Only One Is Cash
The headline figure gets quoted as a single settlement amount. It is not.
| $1,000,000 — compliance spend | A mandatory TCPA minimum compliance spend Concora must make within three years, directed at heightened reassigned-telephone-number procedures — including use of the Federal Communications Commission’s Reassigned Numbers Database — periodic internal auditing, employee training programs and other related TCPA compliance policies. This is never distributable cash. |
| $8,375,000 — settlement fund | Paid into a fund to compensate the class. This is what class member payments come out of. |
Four things come out of the $8,375,000 before anyone is paid, each subject to the court’s approval: notice and administration costs not to exceed $340,000; an award of attorneys’ fees not to exceed $3,000,000; litigation costs and expenses not to exceed $25,000; and an incentive award to the class representative not to exceed $10,000.
Subtracting all four ceilings leaves roughly $5,000,000 to divide among approved claims. That is arithmetic on the figures in the notice rather than a projection from the administrator, and the court has not yet ruled on the fee request — but it frames the estimate. A $5,000,000 pool paying $250 to $650 apiece implies somewhere in the range of eight thousand to twenty thousand approved claims, and a claim total outside that range is what would move the per-person figure.
How the Payment Is Calculated
There are no tiers and no per-call multiplier. Every approved claimant gets an equal share of what is left in the fund. The notice estimates that each participating and approved class member will receive between $250 and $650, and says in the same breath that the actual amount may be more or less depending on how many participating class members submit approved claims.
For context on what the underlying claim is worth outside a settlement, the notice states that the TCPA allows damages of $500 per violation and up to $1,500 for willful violations — and that prior express consent is a complete defense.
Filing Without a Postcard Costs You More Work
The claim page opens on a login screen with a required Claimant ID field and a required Access Code field, plus a captcha, and it carries an instruction above them: do not attempt to file your claim online if you do not have a unique Claimant ID number. Both credentials come from the postcard notice and claim form mailed on September 4, 2026.
There is a route for people the mailing missed, and it asks for documentation instead of a code. The notice says a class member who did not receive a postcard notice and claim form may request one in writing from the settlement administrator and must submit proof of receipt of an artificial or prerecorded voice call or message from Concora to their cellular telephone between May 2, 2021 and May 31, 2026.
What that proof looks like is not spelled out in the notice. A saved voicemail, a call log entry or a screenshot showing the call is the kind of record the request contemplates. A claim form obtained this way still has to be completed and returned postmarked by October 19, 2026, so leaving the request until October is a bad idea.
If you do have the postcard, the online form is the fastest route. The access code field is case sensitive, cookies have to be enabled for the submission to go through, and the site warns that after three failed captcha attempts you have to start over.
Every Window Closes the Same Day
October 19, 2026 is the claim deadline, the exclusion deadline and the objection deadline — unusually, all three close together here rather than the opt-out and objection dates landing weeks ahead of the claim date. It is also the deadline for any opposition to the attorneys’ fees petition, and the date by which objectors who want to enter an appearance must do so.
The notice gives no cutoff time and names no timezone, so the safe reading is to file on or before October 19 rather than late in the day.
| October 19, 2026 | Claim forms postmarked or submitted online. Exclusion requests postmarked. Objections postmarked. Notices of appearance. |
| October 25, 2026 | Motion for final approval due. |
| November 2, 2026 | Reply in support of the fees petition. |
| November 10, 2026 | Any opposition to final approval. |
| November 17, 2026 | Reply in support of final approval. |
| November 24, 2026, 1:00 p.m. | Final fairness hearing, in person, U.S. District Court for the District of Oregon, Portland. |
Opting Out and Objecting
Excluding yourself means you get no payment and release nothing — you keep whatever TCPA claims you may have against Concora and can pursue them on your own. A written request for exclusion has to be mailed to the claims administrator postmarked by October 19, 2026, and must include your full name, your address, the telephone number to which Concora placed an artificial or prerecorded voice call between May 2, 2021 and May 31, 2026 so the administrator can see you are a class member, and a clear and unambiguous statement that you wish to be excluded. You have to sign it personally, and anyone signing on your behalf must attach a power of attorney.
Objecting is different: you stay in the class and tell the court why the settlement should not be approved. An objection must be in writing and postmarked by October 19, 2026, with copies to class counsel, to counsel for Concora and to the court. The notice requires an objection to include your full name; your address; the telephone number that received a qualifying call; the statement of the objection; a description of the facts underlying it; a description of the legal authorities supporting it; whether you intend to appear at the fairness hearing; a list of all witnesses you intend to call by live, deposition, affidavit or declaration testimony; a list of exhibits; and your signature.
An objection can ask the court to deny approval. It cannot ask the court to order a different settlement — the court can only approve or reject what is in front of it, and if approval is denied there are no payments and the lawsuit continues. A class member who excluded themselves cannot speak at the hearing.
If you do nothing, you stay in the class, receive no payment, and release the TCPA-related claims the settlement covers if the court approves it.
What Happens Next
At the November 24, 2026 hearing the court will consider whether the settlement is fair, reasonable and adequate, will hear any objections, and may rule, postpone a decision or continue the hearing. The notice warns that the hearing date may change without further notice and points class members to the settlement website or PACER to confirm it.
Payments follow final approval, not the hearing. The notice states that settlement payments will be sent to approved class members no later than 30 days after the judgment becomes final, and that an appeal may delay payment. No payment date has been announced.
How to File
Claims go through the official settlement website, SealsTCPASettlement.com. Open the claim form page, enter the Claimant ID and Access Code from your mailing, clear the captcha, and complete the form. The site’s documents section carries the notice, the claim form, the settlement agreement and the complaint. Anyone without a Claimant ID requests a claim form in writing from the settlement administrator and includes proof that a qualifying call reached their cellular telephone. Keep a copy of whatever you send.
Frequently Asked Questions
Do you have to have been a Concora Credit customer to qualify?
No – the opposite. The Settlement Class is defined as people to whose cellular telephone Concora placed or caused to be placed an artificial or prerecorded voice call and whose number was not assigned to a Concora Credit accountholder. Someone who held an Indigo or other Concora account during the class period is outside the class the settlement resolves. The underlying complaint describes calls that reached a number the plaintiff had held since 2022, about an account belonging to someone else.
The calls said Genesis FS Card Services and mentioned an Indigo account. Is that the same company?
The complaint identifies Concora Credit Inc. as formerly known as Genesis FS Card Services, and describes prerecorded messages that opened by naming Genesis FS Card Services and referring to an Indigo account. It also alleges that the callback number in those messages answers with a greeting for Concora Credit and the Indigo Mastercard account. A message that used the older name is still the conduct the Settlement Class covers, so long as the call reached a number that was not assigned to a Concora accountholder during the class period.
What if you received the calls but never got a notice in the mail?
There is a route, and it costs more work than filing with a notice does. The notice says a person who did not receive a postcard notice and claim form may request a claim form in writing from the settlement administrator and must submit proof of receipt of an artificial or prerecorded voice call or message from Concora to a cellular telephone between May 2, 2021 and May 31, 2026. A claim form obtained that way still has to be completed and returned postmarked by October 19, 2026. The online portal is closed to anyone without a Claimant ID.
Could the estimated $250 to $650 payment end up different?
Yes, in either direction. The notice presents that range as an estimate and states plainly that the actual amount may be more or less depending on how many participating class members submit approved claims. Each approved claimant receives an equal share of the $8,375,000 settlement fund as it stands after notice and administration costs, the fee award, litigation costs and the incentive award are deducted, so the per-person figure is not fixed until the claim period closes.
Does the $1,000,000 compliance spend come out of class members’ payments?
No. The $9,375,000 headline figure has two separate halves. One is a mandatory TCPA minimum compliance spend of $1,000,000 that Concora must make within three years, directed at reassigned-number procedures including the FCC’s Reassigned Numbers Database, periodic internal auditing, employee training and related compliance policies. The other is the $8,375,000 Concora pays into the settlement fund, and that fund is what class member payments come out of. The compliance money is never distributable cash.
When would payments actually go out?
Not before the court approves the settlement. The notice states that settlement payments will be sent to approved class members no later than 30 days after the judgment becomes final, and that payment may be delayed if there is an appeal. The final fairness hearing is set for November 24, 2026 at 1:00 p.m., and the court has not yet decided whether the settlement is fair, reasonable and adequate. No payment date has been announced.
Sources
- Official settlement website — SealsTCPASettlement.com, including the claim form login requirements and documents section.
- Notice of Class Action Settlement (long-form), Seals v. Concora Credit Inc.
- Class Action Complaint, Seals v. Concora Credit Inc., Case No. 3:25-cv-00728-AN, filed May 1, 2025, U.S. District Court for the District of Oregon, Portland Division.
- Order preliminarily approving the settlement, entered August 5, 2026, and the case schedule it set.
- Federal Communications Commission — Reassigned Numbers Database.
- Federal Trade Commission — National Do Not Call Registry.
- OpenClassActions.com — Concora Credit Robocall Settlement.
Source and credit: the settlement terms, deadlines and benefit tiers described above are drawn from our sister site’s reporting — OpenClassActions.com: Concora Credit Robocall Settlement — $250 to $650 — which tracks this case against the court-approved notice and the official settlement website and is updated as the court rules.
Legal Disclaimer
This article is for informational purposes only and is not legal advice. OpenClassActions.org is a consumer news site, not a law firm and not the settlement administrator, and is not affiliated with any party to the case described. The allegations are allegations; the defendants deny wrongdoing and no court has decided the merits. Deadlines, benefit amounts and payment timing can change as the court and the administrator act, so confirm current status on the official settlement website. You never need to pay anyone to file a claim or to receive a settlement payment.