Wrong Number, Real Money: Concora Credit's $9.38 Million Prerecorded Call Settlement

Turns out, when a company robocalls the wrong person, it can get expensive.

Concora Credit Inc. agreed to pay $9,375,000 to resolve a Telephone Consumer Protection Act (TCPA) class action, according to ClaimDepot. The case is Seals v. Concora Credit Inc., Case No. 3:25-cv-00728-AN. The lawsuit alleged that Concora placed artificial or prerecorded voice calls to the cell phones of people who weren't its customers, without their prior express consent.

So who's in the class?

Per the settlement summary, you're a class member if:

• You're a person in the United States.
• Concora, or a third party on its behalf, called your cell phone.
• The call used an artificial or prerecorded voice.
• The call came between May 2, 2021 and May 31, 2026.
• Your number wasn't assigned to a Concora accountholder.

Read that last one again. This class is about non-customers. Wrong numbers. People Concora had no relationship with at all.

Where the money goes

Here's the split, as reported by ClaimDepot:

• Settlement administration: up to $340,000
• Attorneys' fees: up to $3,000,000
• Attorneys' expenses: up to $25,000
• Service award for the class representative: up to $10,000
• TCPA compliance improvements: Concora has to spend at least $1,000,000 within three years
• The rest goes to class members

After deductions, about $8,375,000 is available for class member payments, split equally among valid claims. The estimate is $250 to $650 per person, depending on how many people file.

Key dates: the claim and exclusion deadline is October 19, 2026, and the final fairness hearing is set for November 24, 2026. Settling isn't the same as admitting anything. The two sides settled to avoid more time, risk and expense.

Here's the thing ... the compliance money

My favorite line in the whole summary? A minimum $1 million spend on TCPA compliance improvements.

That's basically the court process saying, "OK, now actually fix it." And honestly, that money would've been a lot cheaper to spend before the lawsuit. Am I right?

Why should you care?

Because wrong number calls are one of the most common ways good companies get hurt under the TCPA.

Here's how it happens. A customer gives you a number. Years later, they drop it. The carrier reassigns it to someone else. Your system keeps dialing with a prerecorded message. Now you're calling a stranger who never agreed to anything.

The TCPA allows $500 per violation and up to $1,500 if it's willful. With a prerecorded campaign running over five years, that math adds up fast.

If you're in collections, servicing, lending or anything with automated outreach, this is your risk too. Not just Concora's.

What to do this week

It's not rocket science. It's just the boring stuff.

• Check numbers before you dial. The FCC's Reassigned Numbers Database exists for exactly this. Use it.
• Listen for "wrong number." When someone says it, flag the number right away and stop prerecorded calls to it.
• Train your agents and your vendors to log wrong number reports the same way every time.
• Audit your third parties. The class here includes calls placed by third parties on Concora's behalf.
• Refresh old contact data. A number from 2021 isn't a number you can trust in 2026.

Pro tip: pull a quick report on how many "wrong number" dispositions you logged last quarter. If it's more than zero and you don't have a process, congratulations, you've found your project.

Look, nobody sets out to robocall strangers. But the law doesn't care much about intent here. Do the boring stuff, OK?