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Individuals who received an artificial or prerecorded voice call on their cell phone from Concora Credit Inc. between May 2, 2021, and May 31, 2026, and were not a Concora accountholder may be eligible to claim $250-$650 from a class action settlement.
Concora Credit Inc. agreed to pay $9,375,000 to resolve a class action lawsuit alleging it placed artificial or prerecorded voice calls to noncustomers’ cell phones without prior express consent in violation of the Telephone Consumer Protection Act.
Who can file a claim?
Class members must meet all of the following criteria:
- They are a person in the United States.
- Concora Credit Inc. placed or had a third party place a call to their cell phone.
- The call used an artificial or prerecorded voice.
- Concora placed or had a third party place a call between May 2, 2021, and May 31, 2026.
- The cell phone number was not assigned to a Concora Credit Inc. accountholder.
How much can class members receive?
After deductions for administration costs, attorneys’ fees and costs, and the class representative’s incentive award, the settlement fund available for class member payments is $8,375,000.
Each approved class member who submits a valid claim form will receive an equal share of the net settlement fund, which is estimated to be between $250 and $650 per person. The actual amount will depend on the number of valid claims submitted.
How to claim a settlement payout
Class members must file the online claim form on the official settlement website or complete and return the claim form they received with their settlement notice. There is no downloadable PDF.
If a class member did not receive a postcard notice and claim form in the mail, they may request one by writing to the settlement administrator and providing proof that they received an artificial or prerecorded voice call from Concora to their cell phone during the class period.
Settlement administrator's mailing address: Seals v. Concora Credit Inc., Settlement Administrator - 9243, PO Box 2599, Faribault, MN 55021-9599
The claim deadline is Oct. 19, 2026.
Payout options
The settlement does not specify payment options.
$9.38 million settlement fund breakdown
The $9,375,000 settlement fund will cover:
- Settlement administration costs: Up to $340,000
- Attorneys' fees: Up to $3,000,000
- Attorneys' expenses: Up to $25,000
- Service award to class representative: Up to $10,000
- TCPA compliance improvements: $1,000,000 minimum spend by Concora within three years
- Payments to eligible class members: The remainder of the fund
Important dates
- Deadline to file a claim: Oct. 19, 2026
- Deadline for exclusion: Oct. 19, 2026
- Final fairness hearing: Nov. 24, 2026
When is the Seals v. Concora Credit Inc. payout date?
If the court grants final approval, the settlement administrator will issue payments to approved claimants no later than 30 days after the judgment becomes final. If there is an appeal, it may delay payment.
Why did this class action settlement happen?
The class action lawsuit alleged Concora Credit Inc. violated the TCPA by making artificial or prerecorded voice calls to cell phones without the recipients’ prior express consent. The TCPA allows for statutory damages of $500 per violation or up to $1,500 for willful violations.
Rather than continue with litigation, both sides agreed to settle to avoid further time, risk and expense.
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