Ever gotten a text from Cash App that seemed completely out of the blue? One day, I was checking my phone and saw a message about a referral program I didn’t even sign up for. I shrugged it off at first — you know, “just another spam text.” But then I started hearing whispers online about a cash app spam text lawsuit settlement. Apparently, those seemingly annoying messages could actually lead to a payout if you were eligible. That got me curious, and I figured I’d dig into the details so anyone in this situation knows exactly what’s going on.
Let’s walk through everything — from why the lawsuit happened to how much money might be waiting for you, and how to make sure you don’t miss your chance.
Why the Cash App Spam Text Lawsuit Settlement Matters
We’ve all been there: a phone buzzes, and there’s a message from a company you barely remember using. Maybe it’s a referral link, a promo, or something else entirely. Most of the time, we ignore it, thinking, “Eh, no big deal.” But when millions of users start getting unsolicited texts, it becomes more than just an annoyance — it turns into a legal issue.
That’s exactly what happened with Cash App. Thousands of users received referral texts they didn’t sign up for, and that led to a lawsuit against Block, Inc., Cash App’s parent company. The cash app spam text lawsuit settlement is designed to compensate those affected. The total settlement fund is $12.5 million, which might sound small when split among all eligible users, but it’s a tangible acknowledgment that your privacy and consent matter.
Even if you only received one or two of these messages, the settlement shows that companies can’t treat people’s contact lists like free advertising space. And for anyone in Washington state — where the lawsuit was filed — this is your chance to see if you qualify for a payout.
What Triggered the Cash App Spam Text Lawsuit Settlement?
Here’s the backstory. A lawsuit named Bottoms v. Block, Inc. was filed after users reported that the “Invite Friends” feature was sending unsolicited referral texts to their contacts. These messages weren’t payment confirmations or legitimate alerts; they were marketing messages sent without clear consent.
The legal claim leaned heavily on the Telephone Consumer Protection Act (TCPA) and Washington’s own consumer protection laws. Basically, companies aren’t allowed to send commercial messages without consent. Block, Inc. never admitted to wrongdoing, but instead of fighting a prolonged legal battle, they agreed to settle with a fund to compensate affected users.
Other companies have faced similar lawsuits over spam texts, and it’s a growing trend. When businesses don’t obtain explicit permission, users have the right to take legal action. That’s why paying attention to these notifications — even if they seem trivial — can actually be worth your time.
Who Qualifies for the Settlement?
Not everyone who got a text from Cash App qualifies, and that’s an important distinction. Here’s a breakdown:
Eligibility Requirements
- Received a referral or promotional text from Cash App between November 14, 2019, and August 7, 2025.
- Resided in Washington state at the time or had a phone number associated with the state.
- Did not give clear consent to receive promotional or referral texts.
What Counts as a Valid Claim
Even if you meet the basic criteria, your claim must be verifiable. You’ll need to provide:
- The phone number that received the text.
- Proof that the text was unsolicited, if possible.
- A certification stating that you didn’t consent to the messages.
If you fall outside Washington state or you explicitly opted in for marketing messages, you probably won’t be eligible. That might sound strict, but class-action settlements have to be specific to pass legal muster.
How Much Can You Expect From the Cash App Spam Text Lawsuit Settlement?
Money talks, right? Here’s the good news: eligible claimants can expect payouts, though the amount varies depending on several factors.
- Total Settlement Fund: $12.5 million
- Estimated Individual Payout: $88–$147 per valid claim
Why the range? It depends on how many people submit valid claims. The more people who file, the smaller the payout for each individual, because the fund has to be divided proportionally. But if only a fraction of eligible users submit claims, your payout could lean toward the higher end.
Even though it’s not a life-changing sum, for something as simple as checking your old texts and submitting a form, it’s a nice bonus. And it’s a reminder that user privacy is serious business — companies are starting to pay attention.
Step-By-Step Guide: Filing Your Claim
So, how do you actually file your claim? The process is pretty straightforward if you have all the necessary info. Here’s a breakdown:
- Visit the Official Settlement Website: bottomstextsettlement.com is where you’ll find the official form.
- Submit Your Phone Number: The number that received the referral text.
- Provide Proof (if available): This could be screenshots or message details.
- Certify No Prior Consent: Confirm that you did not opt in for these messages.
- Submit Before Deadline: The final date is October 27, 2025. Missing it means losing eligibility.
- Wait for Verification and Payment: Once approved, payouts can come via check or electronic transfer, depending on what the settlement administrator sets up.
A few tips: double-check your phone number and details. Small mistakes could invalidate your claim. And remember, patience is key — settlements like these can take a while to process.
Legal Implications & What Users Should Learn
Class-action settlements like this one aren’t just about the money. They’re lessons for everyone:
- Companies Get Sued When They Ignore Consent: Users are more aware than ever, and legal frameworks like TCPA protect people from unwanted marketing.
- Users Can Protect Themselves: Check app permissions, adjust notification settings, and be cautious about sharing your contacts.
- Broader Marketing Compliance: This case is a warning to other apps. Misusing contact information can lead to lawsuits and settlements.
It’s empowering to see that individual rights matter. Even small actions — like filing a claim — reinforce accountability for big corporations.
Frequently Asked Questions (FAQs)
Q: I live outside the US. Can I file a claim?
A: No. This settlement is limited to Washington state residents or numbers tied to Washington.
Q: I got multiple spam texts. Can I claim multiple times?
A: No. Each claimant can submit only one claim, regardless of how many texts were received.
Q: How long until payments are distributed?
A: Payments typically begin after final court approval, which is scheduled for December 2, 2025.
Q: What if I don’t submit a claim?
A: You won’t get any money, but you also aren’t giving up rights outside the class action — though individual lawsuits are rarely practical.
Q: Does this mean Cash App did something wrong?
A: Not necessarily. The company settled to avoid prolonged litigation. They did not admit wrongdoing.
Conclusion & Action Steps
Even if it’s not a huge sum, the cash app spam text lawsuit settlement is meaningful. It shows that companies are accountable for how they use personal information and respect consent. If you received an unsolicited referral text from Cash App and meet the eligibility criteria, it’s worth checking your old messages and submitting a claim.
Take a moment today: verify if you qualify, gather any proof, and submit your claim before October 27, 2025. A few minutes of effort could earn you a payout and, more importantly, help reinforce the principle that your privacy matters.
This settlement might be small in dollar terms, but it’s a big win for accountability. And who knows — that annoying spam text could end up putting some money back in your pocket.
