Quick Answer: A consumer has filed a federal lawsuit against Concora Credit Inc. — the company behind the Indigo credit card — alleging violations of the Fair Credit Reporting Act. Filed February 27, 2026 in New York federal court, this case adds to a documented pattern of complaints from cardholders about fees, payments, and credit reporting.
If you have a Concora Credit card — whether it’s the Indigo card or another product they service — a new federal lawsuit filed against the company is worth understanding. On February 27, 2026, Jarrett R. Jenkins filed suit against Concora Credit Inc. in federal court in New York, citing violations of the Fair Credit Reporting Act. For another recent example of alleged FCRA violations in the credit-reporting system, see this case where a court let consumers sue TransUnion over a credit file allegedly sold to a fake collector.
This isn’t the first time Concora Credit has faced federal litigation from consumers. According to federal court records, the company has been named in lawsuits across multiple jurisdictions in recent years — including cases in Nevada, Idaho, California, and Washington.
Who Is Concora Credit Inc.? Concora Credit administers and services general-purpose and private label credit card programs for financial institutions. They are the company behind the Indigo credit card, which markets to consumers building or rebuilding credit. According to the Better Business Bureau, the company has been in business since 2001 and is headquartered in Beaverton, Oregon.
What Is the Jenkins v. Concora Credit Lawsuit About?
The complaint is filed as case 1:26-cv-01140 in the U.S. District Court for the Eastern District of New York. The cause of action is cited as 15 U.S.C. § 1681 — the Fair Credit Reporting Act.
The FCRA is a federal consumer protection law governing how your credit information is collected, reported, and used. When a company violates the FCRA, the violations can include:
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- Reporting inaccurate information to credit bureaus (Equifax, Experian, TransUnion)
- Failing to properly investigate consumer disputes within 30 days
- Pulling your credit report without a permissible purpose
- Failing to correct verified errors after being notified
The specific allegations are contained in the court complaint. The case was filed as a removal action — meaning it originated as a state court claim and was moved to federal court by the defendant — on February 27, 2026.
Important Disclosure: The allegations in this lawsuit are allegations only. Concora Credit Inc. has not been found liable by any court in this case. I cover federal court filings because they are public records that consumers who have accounts with these companies deserve to know about.
The Bigger Picture: 2,563 BBB Complaints
What makes this lawsuit significant isn’t the single case — it’s the context surrounding it. The Better Business Bureau shows 2,563 complaints filed against Concora Credit Inc. Recurring themes from cardholders include:
- Payments taking up to a week to post to accounts even after funds have cleared from a bank
- Monthly fees that vary from statement to statement without clear explanation
- Accounts frozen shortly after approval, requiring repeated identity verification
- Customer service representatives who recite policy rather than resolve issues
The Indigo credit card — one of Concora Credit’s flagship products — charges an annual fee of $175 in the first year, according to the card agreement on file with the CFPB. For a credit-building product marketed to people with limited options, that’s a steep upfront cost before you’ve made a single purchase.
Your Rights Under the Fair Credit Reporting Act
Your credit report is a financial record that follows you for years. You have the legal right to make sure it’s accurate — and companies that mess it up face real consequences.— Steve Rhode
If you have a Concora Credit account and believe your credit file contains errors, federal law gives you specific tools. The Consumer Financial Protection Bureau outlines the following FCRA rights:
- Access your credit report for free from each bureau at AnnualCreditReport.com
- Dispute inaccurate or incomplete information directly with the credit bureau
- Require the credit bureau to investigate disputes within 30 days
- Have verified inaccurate information corrected or deleted
- Seek actual damages and attorney’s fees if a company violates the FCRA willfully or negligently
If Concora Credit has reported incorrect information about your account — and particularly if they’ve failed to correct it after a written dispute — that situation may be actionable. Consumer protection attorneys who handle FCRA cases typically take them on contingency, meaning you pay nothing unless they recover.
What to Do If You Have a Concora Credit Account
- Pull your free credit reports at AnnualCreditReport.com and verify every line item from Concora Credit is accurate
- Document everything — payment confirmation numbers, dates, amounts, any fees that don’t match your cardholder agreement
- Dispute errors in writing — mail certified letters to the credit bureaus; this starts the 30-day investigation clock and creates a paper trail
- File a CFPB complaint at ConsumerFinance.gov/complaint — these are logged and companies are required to respond
- Consult a consumer attorney — FCRA violations allow recovery of actual damages plus attorney’s fees paid by the defendant, not you
Before You Sign Anything: If you’re considering any credit card from Concora Credit or a similar company, run the contract through the Contract Decoder first. It’s free — and it flags the fee structures and terms that cost cardholders money before they realize it.
If you’re still shopping for a credit-building card and haven’t committed yet: do the math on the total annual cost first. A $175 fee card is an expensive way to build credit when secured cards with much lower fees — or no fees — accomplish the same goal. The Find Your Path quiz can help you find the right approach for your specific situation.
Frequently Asked Questions
Is Concora Credit Inc. the same as the Indigo credit card company?
Yes. Concora Credit Inc. administers and services the Indigo credit card along with other general-purpose and private label credit card programs for financial institutions. The company is headquartered in Beaverton, Oregon and has been in business since 2001, according to the BBB.
What is the Jenkins v. Concora Credit lawsuit about?
Jarrett R. Jenkins filed a federal lawsuit against Concora Credit Inc. on February 27, 2026, in the Eastern District of New York (case 1:26-cv-01140), alleging violations of the Fair Credit Reporting Act (15 U.S.C. § 1681). The case is in early stages. These are allegations — Concora Credit has not been found liable in this case.
How many complaints does Concora Credit have?
As of early 2026, the Better Business Bureau shows 2,563 complaints filed against Concora Credit Inc. The Business Consumer Alliance has rated the company F. Common themes include payment processing delays, inconsistent fee charges, and difficulty resolving account issues.
What can I do if Concora Credit is reporting wrong information on my credit?
Dispute the error in writing directly with the credit bureaus — Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act, they must investigate within 30 days. If Concora Credit continues to report inaccurate information after a formal dispute, consult a consumer protection attorney who handles FCRA cases. Attorney’s fees are paid by the company if they lose — not by you.
Is Concora Credit legit?
Concora Credit Inc. is a licensed financial services company that has been operating since 2001. However, 2,563 BBB complaints and multiple federal lawsuits are worth taking seriously before applying for one of their products. If you’re considering a Concora Credit card, read the full fee schedule carefully and use the Contract Decoder to understand what you’re agreeing to.
… (Source: PacerMonitor — Jenkins v. Concora Credit Inc.)
Dealing With Debt? Understanding your options is the first step. See how all your debt relief options compare — including ones most sites won’t tell you about. The Find Your Path quiz gives a recommendation based on your actual numbers, and the Scam-O-Meter checks any company’s complaint history before you sign. Federal Reserve research shows bankruptcy filers recover faster than those who don’t file.
