Cash App Unsolicited Text Message Settlement (2025) – Claim Your Payment

Huge news for consumers- the Cash App Unsolicited Text Message Settlement. Block, Inc., parent company of Cash App, will pay $12.5 million to settle a class action lawsuit. The case involves unsolicited “Invite Friends” text messages sent to people without their consent to receive such messages. If you got one of those random texts, you might be in line for a pretty substantial payout. Mastering the terms is critical, and time is of the essence. This case speaks volumes about how serious digital consent and text message marketing laws are.

What Happened – Overview Of The Cash App Lawsuit

The class action lawsuit arose from Cash App’s wide referral program. The way this program was executed brought about the Cash App Unsolicited Text Message Settlement.

The “Invite Friends” Referral Program

Cash App created an incentive for users to invite friends onto its platform. The easiest way to do that was often through an automated SMS text message, which frequently contained a referral link and promo code.

The recipients of these texts were often non-users who never opted into receiving promotional messages from Cash App or any of its affiliates. Underlying the complaint is that Cash App or its agents allegedly sent these messages to phone numbers without clear, verifiable prior written consent.

Thus, experts say that the very aggressive nature of the organization’s marketing practices is what led to the Cash App Unsolicited Text Message Settlement.

Legal Claims – Which Laws Were Violated?

All of it began with one single complaint. It said that the Cash App’s practices went against all consumer protection laws, which were the legal protections against customers getting spammed with unwanted contact.

These are some of the key points that the case focuses on.

1. Washington Commercial Electronic Mail Act (CEMA)

This is a very important piece of state law.

It stops companies from using commercial electronic messages without respecting the consent guidelines.

2. Washington Consumer Protection Act

This law protects the plaintiffs from receiving text messages regarding unfair and deceptive business practices.

3. Telephone Consumer Protection Act (TCPA)

This is a piece of federal law. It protects all consumers from automated calls and texts. It is often relied upon by class actions in their claims corresponding to unsolicited SMS messages.

Timeline Of Events

This is the timeline of important events of the Cash App Unsolicited Text Message Settlement.

a. Eligibility Period Begins Here

The lawsuit actually talks about the texts that began on November 14, 2019.

b. Filing of Lawsuit

The class action lawsuit, Bottoms v. Block, Inc., was filed in late 2023.

c. Eligibility Period End

Timeline of the texts qualifying under the lawsuit ends on August 7, 2025.

d. Deadline to File Claim

The last date for filing any claims is October 27, 2025.

e. Final Approval Hearing

The date for the full and final approval for the Cash App Unsolicited Text Message Settlement before the court is December 2, 2025.

Terms Of Settlement – What’s On Offer

The Settlement Agreement defines the terms of the Cash App Unsolicited Text Message Settlement, including the total payment and the calculation of individual payments.

Total Fund Breakdown

Block, Inc. created a settlement fund of $12.5 million. This was used to pay for the following:

i. Individual Payments: The largest share is given to members of the eligible class.

ii. Administrative Costs: These are the costs related to notice to class members and claims processing.

iii. Attorney Fees: Attorneys who filed the case get a share of the total fund. 

Estimated Individual Payments

Individual payment estimates are rather significant, with Class Members, if eligible, estimated to receive about $88 to $147 per person. The actual amount will be determined by one factor: the number of valid claims submitted.

a. Fewer claims mean that the payout per person is higher.

b. More claims mean that the $12.5 million fund is divided more ways, reducing the per person payout amount.

Eligibility Window And Geographic Limitation

The following are the requirements for eligibility in the Cash App Unsolicited Text Message Settlement:

1. You received an unsolicited Cash App referral text message between November 14, 2019, and August 7, 2025.

2. Next, you must have been a resident of Washington state at the time you received the text message.

3. You must be able to show there was no prior express consent on your part to receive the text messages.

How To Check If You’re Eligible And How To Claim

To be eligible for a cash payment in the Cash App Unsolicited Text Message Settlement, you must do one of the following:

Eligibility

To be eligible for the Cash App Unsolicited Text Message Settlement, you must meet each of the following four criteria:

a. Location: You must have received the text message while you were a resident of Washington State.

b. Date Range: It was to be received within the range of November 14, 2019, to August 7, 2025.

c. Message Type: Should be an unsolicited “Invite Friends” referral text from Cash App or its parent company, Block, Inc.

d. Consent: You must not have previously clearly and affirmatively consented to receive that text message.

Claiming Process – Step-by-Step

The entire claiming process for the Cash App Unsolicited Text Message Settlement is online:

1. Visit the Official Settlement Website: The only place to file a claim is on the court-approved website.

2. Find your Unique ID: If the direct notice was provided to you and contains a Claim ID, then that is fine; otherwise, an online form is also available.

3. Fill Out the Online Claim Form: Fill out your name, current contact information, and the phone number that actually received the unsolicited text message.

4. Certification of Eligibility: You must attest under penalty of perjury that you were a resident of Washington during the relevant time period and that an unsolicited text was received without consent.

5. File Before the Deadline: The form needs to be received on or before October 27, 2025. If you file late, your claim is almost certainly denied.

What If I Miss The Deadline?

If you do nothing, and the October 27, 2025, deadline passes, then you will lose any rights to get a payment from this Cash App Unsolicited Text Message Settlement. You will also give up your rights to sue Cash App independently about the claims in this lawsuit.

If you are not a resident of Washington, you are not a part of this settlement, though you are not precluded from filing a lawsuit in your own state if similar laws were violated.

How Much Will You Really Get – Realistic Expectations

Understanding how the payment mechanics work in this Cash App Unsolicited Text Message Settlement will help in the management of expectations.

Calculation and Influencing Factors

The total award amount is arrived at by taking the aggregate fund for class members, deducting all administration and attorney fees from that amount, and then dividing what’s left by the number of valid claimants. Realistically, you will be paid once, not multiple times, regardless of how many texts you received.

Pitfalls Commonly Encountered and Causes of Denial

Your claim to the Cash App Unsolicited Text Message Settlement may be denied if:

a. You cannot prove Washington state residency during the eligibility period.

b. You have previously explicitly consented to receive marketing messages.

c. Your claim form contains critical errors or is submitted after the October 27, 2025 deadline.

Read Also: Claim Your Payout: What The Robinhood Data Breach Class Action Means

Payment Methods and Timeline: Cash App Unsolicited Text Message

Settlement payments will be made by paper check or electronically using an online option, including but not limited to PayPal, Venmo, or direct deposit. No payments will be distributed until after the Final Approval Hearing on December 2, 2025, and after appeals have been exhausted. 

This could be several months. Broader Implications: What this means to both users and businesses. The Cash App Unsolicited Text Message Settlement sends a clear signal across the whole fintech industry.

Users – Lessons in Unsolicited Texts and Consent

This case empowers consumers. It shows users they have every right to challenge unwanted digital communication. Always be wary of giving your number to apps and check your permissions. If someone sends you an unsolicited text, block the number and file a complaint with the FTC.

Cash App and Fintech Businesses

The size of the Cash App Unsolicited Text Message Settlement is an expensive lesson for Block, Inc. It reinforces that compliance with state and federal SMS laws is not optional. 

Referral programs need to be designed from a position of affirmative consent, including the use of clear opt-in procedures and easy, immediate opt-out methods to avoid massive fines and class-action liabilities under laws like the TCPA.

Industry and Regulatory Impact

This Cash App Unsolicited Text Message Settlement likely presages increased scrutiny of all mobile payment apps, subscription services, and marketing firms reliant on SMS referrals. In the current atmosphere, the prospect of legal exposure from unbridled digital marketing has never been higher.

Expert Tips and Best Practices

To avoid the same trap that the Cash App Unsolicited Text Message Settlement fell into, protect yourself and your business by

a. For Consumers: Check previous texts for similar messages. If you get an unsolicited text, take a screenshot of it. Go to the Do Not Call Registry and register your number.

b. To Businesses/Marketers: Audit your referral flows NOW. Make sure your terms of service clearly outline and document affirmative consent for each number contacted. Never rely on the referring user to get consent from their contacts. Compliance is less expensive than a multimillion-dollar class action.

Read Also: Capital One Class Action Lawsuit – Your Rights & What You Need To Know

Cash App Unsolicited Text Message Settlement – Frequently Asked Questions:

Below are answers to commonly asked questions regarding the Cash App Unsolicited Text Message Settlement and what it means to you. We explain information such as who is eligible and how payments would be disbursed.