Concora Credit Robocall Settlement: How to Claim by October 19

If a recorded voice kept calling your cell phone about someone else’s credit card account, you may be in a class action settlement with Concora Credit Inc. The settlement website says the class is people who were not Concora accountholders but whose cellular telephones got “an artificial or prerecorded voice call between May 2, 2021 and May 31, 2026.” A claim has to be filed by October 19, 2026, and how you file depends on one thing: whether a postcard with a Claimant ID and Access Code reached you. This guide covers who is in, the three ways to file, what the money could be, and what you give up.

The quick answer

• Who is in: people in the United States whose cell phone number received a call from Concora with “an artificial or prerecorded voice” between May 2, 2021 and May 31, 2026, where the number was “not assigned to a Concora Credit Inc. accountholder”
• What it pays: an equal share of an $8,375,000 fund after costs. The notice says “It is estimated that each participating and approved member of the settlement class will receive between $250 and $650”
• Deadline: October 19, 2026 for claims, exclusions, and objections
• With a postcard: file online at the settlement site with the Claimant ID and Access Code on it, or mail the form postmarked by October 19
• Without a postcard: write to the settlement administrator for a claim form and send proof of a prerecorded call or message. The form must then be mailed back postmarked by October 19, so write now
• Do nothing: no payment, and you still “release certain TCPA claims you may have against Concora”
• Money: only if the court gives final approval. The hearing is November 24, 2026 at 1:00 p.m.

Key facts at a glance

Question	Answer
Case	Seals v. Concora Credit Inc., No. 3:25-cv-00728-AN (D. Or.)
Who is in the class	People whose cell number got a Concora call with a prerecorded or artificial voice, May 2, 2021 through May 31, 2026, and who were not Concora accountholders on that number
Fund	$8,375,000, plus a separate $1,000,000 compliance spend by Concora
Estimated payment	$250 to $650 per approved claim, “more or less” depending on how many claims come in
Claim deadline	Online or postmarked by October 19, 2026
Online filing	Needs the Claimant ID and Access Code from the postcard
Mailing address	Seals v. Concora Credit Inc., Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599
Toll-free line	1-866-686-0059
Exclusion or objection deadline	October 19, 2026 (postmarked)
Final fairness hearing	November 24, 2026, 1:00 p.m., in person, D. Or. (Portland)
Cost to file	No filing fee is mentioned, and “You do not have to pay class counsel”

What the case is about

Alexis Seals sued Concora under the Telephone Consumer Protection Act, a law that limits calls to cell phones. The FAQ says her case alleged Concora “used an artificial or prerecorded voice absent prior express consent,” and it states the stakes plainly: “The TCPA allows for damages in the amount of $500 per violation, and up to $1,500 for willful violations. However, prior express consent is a complete defense to a claim under the TCPA.” Concora has not been found liable; this is a settlement.

The complaint, filed May 1, 2025, names the defendant as “Concora Credit Inc. f/k/a Genesis FS Card Services.” That matters if you try to recognize the calls. The complaint quotes a recorded message that began “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.” It says that number, when dialed, answers with “Welcome to Concora Credit. We’re happy to help you with your Indigo Mastercard account.” That is one example from the plaintiff’s own calls, not a full list of what the class received, but if your voicemail sounds like this and the number was never yours to begin with, check the class definition below.

Who is in the class

The court’s class definition, repeated on the settlement site: “All persons 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 Credit Inc. used, or caused to be used, an artificial or prerecorded voice, (4) from May 2, 2021 through May 31, 2026.”

In plain terms: all four parts must be true. The calls went to a cell phone number, the number was not tied to a Concora accountholder, the call used a recorded or artificial voice, and it came in the date window. A call from a live agent does not fit part (3). A call to your own Concora account does not fit part (2).

The settlement’s compliance spend gives a clue to the typical class member. It is “focused on heightened reassigned telephone number compliance procedures,” which suggests the calls were mostly meant for someone who used to have your number. That is our reading, not a statement in the class definition.

Your choices

Choice	What happens	Deadline
File a claim	You get an equal share of the fund after deductions, if the court approves, and you release certain TCPA claims against Concora	October 19, 2026
Do nothing	No payment: “you will not receive a share of the settlement fund,” and you release certain TCPA claims	None
Exclude yourself	No payment, and you keep any TCPA claims of your own	Letter postmarked by October 19, 2026
Object	You stay in the class and tell the court what you dislike	Written objection postmarked by October 19, 2026

Doing nothing does not keep your rights. The FAQ says unless you exclude yourself, “you will not be able to sue or continue a lawsuit against Concora over the released TCPA claims.”

What the payment could be

The total is $9,375,000, but only part of it goes to claimants. The FAQ says it “includes a mandatory TCPA minimum compliance spend in the amount of $1,000,000 within three years of the settlement,” and that Concora “also will pay $8,375,000 into a settlement fund to compensate members of the settlement class.” The benefits answer in the FAQ and the long-form notice prints the total as “$9,375,00,” which is a typo: the home page and the first page of the notice say $9,375,000, and $1,000,000 plus $8,375,000 adds up to it.

Out of the $8,375,000 come four caps: notice and administration costs “not to exceed $340,000,” attorneys’ fees “not to exceed $3,000,000, subject to the Court’s approval,” litigation costs “not to exceed $25,000,” and an award to Ms. Seals “not to exceed $10,000.” Each approved claimant gets “his or her equal share” of what remains.

Our arithmetic shows what the $250 to $650 estimate implies. If all four caps are used in full, $3,375,000 comes out and $5,000,000 remains. At $250 each, that supports about 20,000 approved claims; at $650 each, about 7,700. More approved claims than that means smaller checks, which is why the FAQ says the actual amount “may be more or less depending on the number of participating settlement class members who submit approved claims.”

How to file

With the postcard. The notice says “if you received a postcard notice and claim form in the mail, you may submit a valid claim through www.SealsTCPASettlement.com by October 19, 2026.” The claim form page asks for the Claimant ID and the Access Code, and warns: “Do not attempt to file your claim online if you do not have a unique Claimant ID Number.” You can also mail the detachable form: “You must mail a valid claim form to the Seals v. Concora Credit Inc., Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599 postmarked by October 19, 2026.”

Without the postcard. The notice allows a second route: “If you did not receive a postcard notice and claim form in the mail you may request a claim form by (1) writing to the Seals v. Concora Credit Inc., Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599, and (2) submitting 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.” Then the clock matters: “you must complete and return the claim form postmarked by October 19, 2026 to participate in the settlement.” The administrator has to mail the form to you first, so send your request this week, by a method that records the date.

What to put in that request letter (our suggestion): your name and mailing address, the cell number that got the calls, the dates of the calls you can document, and a plain request for a claim form. Enclose copies, not originals, of what proves the calls: a screenshot of your call log showing the date and the number, a saved voicemail, or a carrier record. The notice does not say what counts as proof, so include more than one kind if you have it.

The settlement line is 1-866-686-0059, which is useful for questions. The notice says to request the form in writing.

When the money could arrive

Nothing is paid before final approval. The court’s order says “a hearing should and will be held on November 24, 2026.” The FAQ says “The Court will hold a final fairness hearing on November 24, 2026, at 1:00 p.m. The hearing will take place in person,” and adds “The date of the final fairness hearing may change without further notice.” If the court approves, “settlement payments will be sent to approved settlement class members who timely mailed or submitted approved claim forms no later than 30 days after the judgment in the lawsuit becomes final. If there is an appeal of the settlement, payment may be delayed.” You do not have to attend: “No, there is no requirement that you attend the final fairness hearing.”

Exclude yourself or object

To exclude yourself, “you must mail a written request for exclusion to the claims administrator at the following address, postmarked by October 19, 2026”: Seals v. Concora Credit Inc., ATTN: EXCLUSION REQUEST, Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599. Include your full name, your address, the telephone number Concora called, and a “Clear and unambiguous statement that you wish to be excluded from the settlement.” The FAQ adds: “You must sign the request personally.” You get no payment, and you keep any TCPA claims of your own. If you got a large number of calls and are weighing your own case, that is the point to talk to a lawyer before October 19.

To object, “you must mail a written notice of objection, postmarked by October 19, 2026, to class counsel, counsel for Concora, and to the Court.” The FAQ lists what the objection must contain, including your phone number and the facts and legal authorities behind it. An objection can ask the court to reject the settlement; it cannot ask for a different one.

Check that it is real

The long-form notice states “A federal court authorized this notice. This is not a solicitation from a lawyer.” File only on the official site, sealstcpasettlement.com, or by mail to the administrator address above. The notice mentions no filing fee, so a message that asks for a fee, a card number, or a bank login to release your payment is not part of this settlement. Our October 2026 settlement deadlines guide lists the other claim windows closing this month, including the VSL#3 probiotic claim and the TED settlement.

Quick answers to what people search

Who is Concora Credit? The complaint describes Concora Credit Inc. as formerly named Genesis FS Card Services, with an Indigo Mastercard account in its example call.

I got robocalls from Genesis FS Card Services. Is this the settlement? Possibly. The complaint says Concora was formerly Genesis FS Card Services, and its example message used that name. Check that the calls fit all four parts of the class definition.

Do I need the postcard to claim? The postcard carries the Claimant ID and Access Code for the online form. Without it, the notice says to request a claim form in writing and submit proof of a prerecorded call.

How much will I get? The notice estimates $250 to $650 per approved claim, and the number can be higher or lower depending on how many claims are approved.

Do I have to be a Concora customer? No, the opposite: the class is people whose numbers were “not assigned to a Concora Credit Inc. accountholder.”

What happens if I ignore it? No payment, and you release certain TCPA claims against Concora.

When is the deadline? October 19, 2026, for claims, exclusions, and objections.

Bottom line

If a recorded voice from Concora Credit, once Genesis FS Card Services, called your cell phone about an account that was never yours, claim by October 19. With the postcard, use the Claimant ID and Access Code at the official site or mail the form. Without it, write to the administrator now for a form and send proof of a prerecorded call, because the form has to come back postmarked by October 19. Expect an equal share of an $8,375,000 fund that the notice estimates at $250 to $650, paid only after final approval at the November 24 hearing. Doing nothing means no money and a release of your TCPA claims; excluding yourself by letter is the only way to keep them.

Class definition, benefits, deadlines, filing routes, and hearing details are quoted from the court-authorized settlement website, its FAQ and documents pages, and the long-form notice, read on October 3, 2026. The complaint’s description of Concora as formerly Genesis FS Card Services and its example call message are quoted from the complaint filed May 1, 2025, and are allegations. The $5,000,000 remainder and the 7,700 to 20,000 claim range are our arithmetic from the stated caps and the estimate. Settlement terms can change at the final approval hearing, and the settlement site is the authority on your claim. This is general information, not legal advice.