Millions of Americans rely on Cash App for fast, easy payments. But for some people in Washington state, their first experience with the app wasn’t welcome—it came as an unexpected promotional text.
Now, a $12.5 million class action settlement has been approved. Eligible residents may receive $88 to $147 in compensation. Here’s a clear, simple breakdown of what happened, who qualifies, and what this settlement means for consumers.
Why Cash App Faced a Lawsuit
Unwanted Referral Text Messages
The lawsuit claimed that Cash App’s “invite friends” feature allowed users to send automated promotional texts to contacts without consent.
These messages looked personal but promoted the app. Many recipients said they never agreed to receive marketing texts.
Washington’s Strict Privacy Laws
Washington state has strong rules against unsolicited commercial messages. According to the lawsuit, these texts violated state consumer protection laws.
The case, Bottoms v. Block, Inc., targeted Cash App’s parent company, Block, Inc..
Block denied wrongdoing but agreed to settle to avoid long and costly litigation.
Details of the Cash App Spam Text Settlement
The settlement creates a fund to compensate affected individuals after legal and administrative costs are deducted.
Settlement Overview
| Settlement Item | Details |
|---|---|
| Total Settlement Amount | $12.5 million |
| Covered Texts | Cash App referral / invite messages |
| Eligible Period | Nov 14, 2019 – Aug 7, 2025 |
| Estimated Payment | $88 to $147 |
| Final Approval | December 2025 |
Important: The final amount depends on how many claims were approved.
Who Was Eligible for a Payment
Eligibility was limited to ensure only affected people received money.
You Qualified If You:
- Received a Cash App referral or promotional text
- Lived in Washington at the time
- Did not give consent for marketing texts
- Submitted a valid claim before the deadline
People who only used Cash App without receiving texts were not included.
Claim Process and Important Deadlines
How the Claim Process Worked
Claimants completed an online or mail-in form. They confirmed their details under penalty of perjury.
Class members could also:
- Opt out (keep the right to sue separately)
- Object (disagree with settlement terms)
Key Dates to Know
| Event | Date |
|---|---|
| Claim Deadline | October 27, 2025 |
| Opt-Out / Objection Deadline | October 27, 2025 |
| Final Court Hearing | December 2, 2025 |
| Payments Sent | After final approval |
Once approved, the settlement becomes binding.
How Payments Are Being Sent
Payments are distributed by the settlement administrator using the option selected in the claim form.
Payment Methods Include:
- Direct deposit to a bank account
- Prepaid debit card
- Paper check by mail
If a payment fails, administrators may attempt re-delivery.
What This Settlement Means for Consumers
This case sends a strong message about digital privacy.
Even referral texts count as marketing if they promote a business. Companies must get clear permission before sending promotional messages.
For consumers, it reinforces your right to:
- Control how your phone number is used
- Avoid unwanted marketing texts
- Hold companies accountable
Tips to Protect Yourself From Spam Texts
- Never click unknown links in texts
- Reply “STOP” only if the sender is legitimate
- Register your number on the Do Not Call list
- Report spam texts to your carrier
- Keep records of repeated unwanted messages
These steps can help if future legal action is needed.
Frequently Asked Questions (FAQs)
1. Is this settlement related to IRS or government payments?
No. This is a private class action settlement, not a federal or IRS payment.
2. Can people outside Washington get paid?
No. Only Washington residents who met all conditions were eligible.
3. When will payments arrive?
Payments are sent after final court approval, expected after December 2025.
4. Why do payments vary from $88 to $147?
The amount depends on the total number of approved claims and settlement costs.
5. Do I need to pay taxes on the settlement?
In many cases, settlement payments may be taxable. It’s best to consult a tax professional.
6. Can I still sue Cash App separately?
Only if you opted out before the deadline.
Final Thoughts
The Cash App settlement is a reminder that consumer privacy matters. Unwanted texts aren’t just annoying—they can violate the law.
If you were eligible and filed a claim, watch for your payment. If not, use this case as motivation to stay informed and protect your digital rights.