Concora Credit TCPA Settlement, Check If You Qualify, Seals v. Concora Credit Inc., No. 3:2025-cv-00728

October 19, 2026. That’s your deadline to claim money from the Concora Credit settlement — and it’s closer than it sounds. Concora Credit agreed to pay $9,375,000 after being accused of robocalling people who never had an account with the company, using prerecorded messages between 2021 and 2026. Filing your claim online takes about five minutes.

Concora Credit TCPA Settlement — Key Facts

Field	Detail
Settlement Amount	$9,375,000 gross fund; $8,375,000 net fund available for class payments
Claim Deadline	October 19, 2026
Who Qualifies	People who received an artificial or prerecorded voice call from Concora Credit on a cell phone between May 2, 2021, and May 31, 2026, and were not a Concora accountholder
Estimated Payout	$250–$650 per approved claimant (pro-rata)
Proof Required	No, if you received a mailed notice. Yes — proof of a qualifying call — only if you’re requesting a claim form because you weren’t mailed one
Settlement Status	Reached; final approval pending
Court & Case Number	U.S. District Court for the District of Oregon, No. 3:2025-cv-00728
Law Alleged	Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227
Administrator	Settlement Administrator – 9243, PO Box 2599, Faribault, MN 55021-9599
Official Claim Site	sealstcpasettlement.com
Last Updated	September 10, 2026

Who Is Concora Credit and Why Are They Being Sued for TCPA Violations?

Concora Credit is a Beaverton, Oregon-based lender that issues credit cards and store financing to people with limited or damaged credit. The company relies on high-volume outbound calling to reach customers and manage accounts — exactly the kind of automated calling that tends to trigger TCPA claims. Court records in Seals v. Concora Credit Inc. allege the company’s dialing system reached cell phones belonging to people who had no account with Concora at all.

What Did Concora Credit Do to Non-Customers Between 2021 and 2026?

Alexis Seals sued Concora Credit in the U.S. District Court for the District of Oregon on May 1, 2025, claiming the company violated the Telephone Consumer Protection Act — a federal law that bans companies from using prerecorded or robotic voice messages to call cell phones without permission first. The case, Seals v. Concora Credit Inc., No. 3:2025-cv-00728, alleges Concora’s calling system placed these prerecorded calls to people who had never opened an account with the company.

That detail matters. Most TCPA class actions involve customers who gave up a phone number once and then got buried in calls about their own account. This one is different. The people covered by this settlement were, according to the complaint, strangers to Concora — numbers the system reached anyway, likely through recycled or mismatched phone data.

Concora denies doing anything wrong. It settled to end the case rather than keep fighting, which is standard. But honestly, $9,375,000 is a lot to pay for calls the company maintains it had every right to make.

Who Qualifies for the Concora Credit TCPA Settlement?

Here’s exactly how to know if this case includes you.

You may qualify if you:

• Received an artificial or prerecorded voice call from Concora Credit on your cell phone between May 2, 2021, and May 31, 2026
• Never opened a credit card, loan, or financing account with Concora Credit
• Can be matched to Concora’s own call records, even if you never got a mailed notice

You do not qualify if you:

• Are, or ever were, a Concora Credit accountholder — even if the call was about your own account
• Only received calls before May 2, 2021, or after May 31, 2026

Concora Credit Non-Customers Outside Oregon — Are You Still Covered?

Yes. The claim arises under a federal law, and nothing in the settlement notice limits eligibility by state. Oregon is simply where the lawsuit was filed. If Concora’s calling system reached your cell phone anywhere in the country during the class period, you’re covered.

Not sure if you qualify for the Concora Credit TCPA settlement? A free consultation with a consumer protection attorney can help before the October 19, 2026 deadline.

How Much Can Concora Credit TCPA Settlement Class Members Get? Up to $650 Per Person

Concora Credit is putting $9,375,000 into the fund. After the deductions courts typically allow — attorneys’ fees and costs, administration expenses, and a service award for the person who brought the case — $8,375,000 is left for class members. Where exactly that $1,000,000 gets split among fees, costs, and the incentive award isn’t broken out in the notice — UNVERIFIED, exact breakdown not confirmed from a named primary source.

Each valid claimant gets an equal share of the $8,375,000 net fund. More people who file means smaller checks for everyone; fewer filers means bigger ones. The administrator estimates $250 to $650 per person, but the real number depends entirely on how many people submit claims before the deadline.

The settlement doesn’t specify a payment method yet. Payments over $600 may show up on a 1099. Check with a tax professional if your payout lands near that line. A $650 check for a call you probably don’t even remember — that’s real money for a few minutes of paperwork.

How to File Your Concora Credit TCPA Settlement Claim — Step by Step

1. Go to the official claim site at sealstcpasettlement.com
2. Enter your name, address, and the cell phone number that received the calls
3. Confirm you were never a Concora Credit accountholder
4. If you didn’t get a mailed notice, request a claim form from the administrator and describe the call you received
5. Submit and save your confirmation number
6. Watch your email — the administrator will reach out if anything else is needed

Takes about five minutes. That money sits in the fund until you claim it. If you don’t file — it goes back to Concora.

Should Concora Credit Class Members Opt Out or Object Before October 19, 2026?

What Opting Out of the Concora Credit Settlement Actually Means

Opting out means no payment from this settlement, but you keep the right to sue Concora on your own over the same calls. Most people shouldn’t opt out without talking to a lawyer first — going it alone against a defendant this size is expensive and slow. The opt-out deadline is October 19, 2026, the same day as the claim deadline.

How to Object to the Concora Credit Settlement

Objecting keeps you in the class while letting you tell the court, in writing, why you think the deal is unfair before the November 24, 2026 fairness hearing. The exact filing address and format required by the U.S. District Court for the District of Oregon aren’t specified in the settlement notice — UNVERIFIED, confirm directly with the court or class counsel before submitting anything.

Talk to a class action lawsuit attorney before October 19, 2026 if you’re considering either option.

Concora Credit TCPA Settlement — Key Dates, 2026

Milestone	Date
Settlement Proposed	UNVERIFIED — exact preliminary approval date not confirmed from a named primary source
Claims Period Opens	UNVERIFIED — not confirmed from a named primary source
Claim Filing Deadline	October 19, 2026
Opt-Out Deadline	October 19, 2026
Objection Deadline	UNVERIFIED — not separately confirmed; the notice states an exclusion deadline of October 19, 2026 but does not separately state an objection deadline
Final Approval Hearing	November 24, 2026
Expected Payment Date	Within 30 days of final judgment becoming final (exact date UNVERIFIED; delayed if appealed)

Concora Credit TCPA — Frequently Asked Questions, No. 3:2025-cv-00728

Do I need a lawyer to file a Concora Credit TCPA settlement claim?

No. Most people can complete the online claim form themselves at sealstcpasettlement.com. A free consultation with a consumer protection attorney can help if your situation is unusual.

Is the Concora Credit settlement legitimate? 

Yes. It comes from a real federal case, Seals v. Concora Credit Inc., No. 3:2025-cv-00728, filed in the U.S. District Court for the District of Oregon, and is run by a court-appointed settlement administrator.

When will Concora Credit settlement payments be sent? 

Within 30 days after final court approval, assuming no appeal. The final fairness hearing is set for November 24, 2026.

What if I missed the Concora Credit claim deadline?

 Claims filed after October 19, 2026 are typically rejected. File before that date — check the official site for any late-claim exceptions.

Will my Concora Credit settlement payment go on a 1099?

 Possibly. Payments over $600 may be reported to the IRS. Talk to a tax professional if your estimated payout is near that line.

Am I part of the Concora Credit lawsuit if I was a customer?

 No. This settlement only covers people who got a prerecorded call from Concora and never had an account there. Accountholders are excluded from the class.

How do I know if Concora Credit called my cell phone during the class period?

 Check for a mailed notice first. If you didn’t get one, write to the settlement administrator at the address above and describe the call you received.

Is there a downloadable Concora Credit settlement claim form? 

No. The administrator’s site doesn’t offer a downloadable PDF. Claims go through the online form or the paper form mailed with your notice.

Sources Used in This Concora Credit TCPA Article

• Official Settlement Website — Seals v. Concora Credit Inc. TCPA Settlement: https://www.sealstcpasettlement.com/
• Official Settlement Website — Long Form Settlement Notice: https://www.sealstcpasettlement.com/LinkClick.aspx?fileticket=4p1abwBW4ZI%3d&tabid=70&portalid=0&mid=478
• Official Settlement Website — Claim Form Authentication Portal: https://www.sealstcpasettlement.com/Claim-Form/PageControl/Authentication
• Official Settlement Website — Additional Settlement Document: https://www.sealstcpasettlement.com/LinkClick.aspx?fileticket=j4SD3V60koI%3d&tabid=70&portalid=0&mid=478
• Court Docket — Seals v. Concora Credit Inc., No. 3:2025-cv-00728, U.S. District Court for the District of Oregon (docket summary via Justia Dockets & Filings, retrieved October 20, 2025; a more current docket may be available on PACER): https://dockets.justia.com/docket/oregon/ordce/3:2025cv00728/186144

Researched and written by Israr Ahmad, legal content researcher and founder of AllAboutLawyer.com. All facts verified against the official Seals v. Concora Credit Inc. settlement website and the U.S. District Court for the District of Oregon docket on September 10, 2026. Last Updated: September 10, 2026.

This article is for informational purposes only and does not constitute legal advice. Laws vary by state and individual circumstances differ. For advice about your specific situation, consult a qualified attorney.