If you’ve heard about the Cash App spam text lawsuit settlement but aren’t sure whether you qualify—or even if the settlement is legit—this guide breaks down everything clearly and in plain English. With a $12.5 million settlement fund, an estimated payout of $88–$147, and a firm deadline of October 27, 2025, thousands of Washington residents may be eligible to file a claim.
Below, you’ll find a full explanation of the lawsuit, eligibility requirements, long-tail clarifications such as “how to claim Cash App settlement,” “Cash App unsolicited text refund,” and “Cash App referral program spam messages,” plus safety tips to avoid scams.
Let’s start with what actually happened.
Overview of the Settlement (What Happened & Why It Matters)
The Cash App text message class-action settlement stems from allegations that Cash App’s parent company, Block, Inc., sent unsolicited referral texts through its “Invite Friends” program. According to the lawsuit, users across Washington received promotional messages without giving “clear and affirmative consent,” a key requirement under laws that regulate marketing messages.
The lawsuit—Bottoms v. Block, Inc.—alleges violations of:
- The Telephone Consumer Protection Act (TCPA)
- The Washington Commercial Electronic Mail Act
- The Washington Consumer Protection Act
Cash App denied wrongdoing but agreed to settle for $12.5 million to resolve the claims and avoid prolonged litigation.
This case matters not just because of compensation, but because it highlights growing concerns around privacy, consent, and unsolicited commercial texts in the fintech world.
Details of the Lawsuit Against Cash App
At the center of the dispute were Cash App’s automated “Invite Friends” messages, which encouraged recipients to join the app or claim referral bonuses.
The lawsuit claims:
- Texts were marketing messages sent without affirmative consent
- Many recipients had never used Cash App
- Messages fell under “unsolicited commercial text messages”
- Cash App allegedly failed to obtain prior express consent—required under the TCPA
- The texts were part of an automated referral campaign, not person-to-person
The settlement covers Washington residents who received these messages between November 14, 2019, and August 7, 2025.
Who Is Included in the Settlement? (Eligibility Checklist)
To see if you qualify for the Cash App spam text lawsuit settlement, use this checklist:
✔ You must be a Washington resident
This settlement is not nationwide—a detail many users get confused about.
✔ You must have received unsolicited Cash App referral or promotional texts
Specifically, messages related to the Invite Friends referral program.
✔ You must not have given clear and affirmative consent
If you never signed up or agreed to receive marketing messages, you may be eligible.
✔ The text must fall within the official timeframe:
November 14, 2019 → August 7, 2025
✔ You do NOT need:
- An active Cash App account
- The original text saved
- Proof of receipt (in most cases)
✘ You are not eligible if:
- You live outside Washington
- You voluntarily joined a referral program or opted-in knowingly
- You received unrelated texts (like login notifications)
This section naturally covers important long-tail queries like:
- “Who qualifies for Cash App spam text lawsuit settlement?“
- “Am I eligible for Cash App lawsuit payout?”
- “How do I know if the text was from Cash App?”
How to File a Claim Before the Deadline
Filing a claim is straightforward and can typically be completed in under five minutes.
1. Visit the official settlement website
Competitors list this as the primary action users search for:
Cash App settlement official website
(Always double-check authenticity to avoid scams.)
2. Complete the online claim form
You’ll enter:
- Your name
- Contact info
- Phone number that received the messages
- Confirm Washington residency
3. Submit before the deadline
October 27, 2025 is the last day to file.
4. Keep your confirmation ID
This helps you track your payment after final approval.
How the Payout Works (Full Breakdown)
The total settlement fund is $12.5 million, but payouts depend on:
- The number of approved claims
- Administrative fees
- Attorney costs
- Court-approved adjustments
Estimated payout:
$88–$147 per person
This range appears repeatedly in competitor articles and is a critical SEO keyword cluster.
When will you get paid?
Payments are usually issued after the final approval hearing, scheduled for December 2, 2025.
If approved, expect payments in early to mid-2026 via:
- Digital payment (PayPal, Venmo, Cash App, Zelle)
- Mailed check
Understanding Consent Laws Behind the Case (Deep Dive)
Most competitor websites skip the legal education piece—this gives you an SEO edge.
The law requires two key things:
- Clear and affirmative consent
- Proof of consent before sending marketing messages
Under the TCPA, automated marketing texts without consent are illegal.
Washington laws go even further, imposing strict rules on:
- Unsolicited commercial electronic messages
- Privacy rights
- Fines for deceptive or invasive marketing practices
Is the Cash App Settlement a Scam? (Not All Notices Are Real)
Many people are searching:
- “Is the Cash App settlement legit?”
- “Is this Cash App text settlement email real?”
- “How to avoid Cash App settlement scams?”
Here’s how to stay safe:
✔ Official notices never ask for:
- Upfront fees
- Bank login credentials
- Payment to “release funds”
✔ The legitimate settlement site will:
- Use a secure domain (HTTPS)
- Display case name & administrator info
- Provide PDF court documents
- Never demand sensitive data
✔ Watch for phishing attempts:
Scammers often mimic settlement programs to steal personal info.
Cash App’s Response & Policy Updates
While Cash App denies wrongdoing, courts encourage companies to strengthen compliance.
Since the lawsuit, Cash App has reportedly:
- Updated parts of its referral messaging system
- Reinforced consent requirements
- Improved privacy language across helps pages
- Clarified limitations around automated communications
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Comparison With Other Recent Fintech Settlements
To build topical authority beyond competitor pages, this section covers related cases:
- Venmo: Data-sharing claims
- Chime: Account-freezing disputes
- Robinhood: Security incident settlement
Fintech platforms rely heavily on referral programs, which often trigger TCPA-related lawsuits.
Frequently Asked Questions about Cash App Spam Text Lawsuit Settlement
Do I need proof that I received the text?
Usually, no. Claim administrators verify phone numbers independently.
What if I deleted the message?
You can still file.
Will this affect my Cash App account?
No—this settlement is independent of your account standing.
Do I owe taxes on the payout?
Most class-action payouts are not taxable but consult a tax professional.
What if I no longer live in Washington?
Eligibility is based on residency at the time you received the text.
What to Do if You Receive Suspicious Messages Claiming to Be from Cash App
- Never click unknown links
- Verify with the official Cash App help site
- Report phishing texts immediately
- Block numbers sending unsolicited offers
Broader Impact on Consumer Privacy Rights
This settlement is part of a nationwide trend demanding:
- Clear consent
- Greater transparency
- Stricter digital-marketing regulations
- Better consumer protections
Tech companies and fintech apps are facing rising pressure to change how they handle mobile marketing and referral programs.
Final Words: Your Next Steps Before the Deadline
If you believe you received unsolicited Cash App referral texts between November 14, 2019, and August 7, 2025, you should:
✔ Check your eligibility
✔ File your claim before October 27, 2025
✔ Save your confirmation number
✔ Stay alert for scam attempts
✔ Watch for payout updates after the December 2, 2025 hearing
The process is simple, the payout is meaningful, and your right to privacy deserves to be protected.