Cash App Spam Text Lawsuit Settlement
If you’ve gotten a text message recently from Cash App Spam Text Lawsuit Settlement inviting you to use their “Invite Friends” program, you might have thought: “Wait—did I authorize that?” The reality is, Cash App is currently resolving a class action lawsuit that claims it sent unwanted spam text messages. The settlement is for $12.5 million, and you may be eligible to submit a claim if multiple categories apply to your situation.
But the key question is, Are you eligible for a payment, and how do you get your money? In this guide, we go through everything you need to know about the suit from the heart of the complaint to how to file your claim, as well as what you should watch out for so you are not taken in by scams.
The suit, Bottoms v. Block, Inc. (Block is the parent company of Cash App), alleges that Cash App violated laws in Washington state by promoting its users to send referral texts to their contacts without secured authorization.
The texts were part of Cash App’s “Invite Friends” feature, in which a user could send an autopopulated note to their contacts, along with a referral link or code. Plaintiffs claim that the recipients of these text messages did not unequivocally consent to receiving them, giving rise to potential violations of Washington’s Commercial Electronic Mail Act (CEMA) and Consumer Protection Act (CPA).
Cash App Spam Text Lawsuit Settlement To settle these claims, Block (the parent company of Cash App) has agreed to a $12.5 million settlement fund.
Here are some of the key legal issues:
Consent: Many people who received these referral texts did not clearly and affirmatively consent to receive them, the plaintiffs argue.
The Incentive: Cash App reportedly incentivized its users to blast these pre-written messages that might have fueled mass SMS campaigns.
State Law Violations: Claims about violations of Washington’s CEMA (about electronic mail) and Washington Consumer Protection Act are filed.
Potential Scale: About 1.97 million Washington phone numbers potentially received such referral texts, according to court documents.
Block is not admitting to any wrongdoing, however, but settling to avoid a drawn-out battle in court.
Not everyone is eligible — there are criteria. According to the settlement terms:
Time Frame: You must have received a Cash App referral (“Invite Friends”) text and clicked on the link contained within the text between November 14, 2019 and August 7, 2025.
Residency: You had to have lived in the state of Washington when you received the text.
Consent: “You must not have ‘clearly and affirmatively consented’ to receive the text.
Number Ownership: You’ll need to certify the phone number you’re using to make a claim is yours (or regularly used by you) and that you received one or more of the referral texts when submitting a claim for Cash App Spam Text Lawsuit Settlement.
If you meet all of these criteria, there’s a good chance you are a class member.
The entire settlement fund is $12.5 million.
A pro-rated share will be distributed to each valid claim — so the more people who file, the smaller each share might be. But under the settlement, the projected payout per person is between $88 and $147.
Why this range? It does not even have the task of covering the $12.5M itself, which will only cover 14月 time in claimants but also administrative fees, attorneys’ fees and a “service award” for the class representative.
Last Day to Submit a Claim: October 27, 2025. Actions
Final Approval Hearing: A court hearing to approve the settlement is set for December 2, 2025.
Notice Period: A notice of the settlement will be emailed and sent by postcard to class members who can be identified. Online Publication Notice: For those that they cannot identify, an online publication notice campaign.
Filing before the deadline is paramount — failing to do so may mean that you forfeit your share.
Below is a how-to guide on filing:
Wait for the Settlement Website: An official settlement website (BottomsTextSettlement. com) will be in play or is already live.
Access the Claim Form: Complete the form online or print a PDF to complete by hand and mail.
1.What You Need to Know Shady people have sent millions of spammy texts that offer “free” $200 Costco gift cards during the pandemic. Fill in the Needed Info: Enter your phone number (the one where you received the text), confirm you were a Washington resident at the time and give details about how it wasn’t clear you consented.
Send: When finished, send the form by the October 27, 2025 deadline.
To maximize your likelihood of a successful claim: 1. Prepare yourself To give you the best chance to make a valid claim, you may want to prepare.
The phone number to which you received the referral text (s).
Approximate date or time frame the text was sent (if you remember).
Confirmation or claim that you did not specifically consent to receive this type of promotional text.
Proof (if necessary): Some sources indicate you might need to “attest” to particular pieces of information.
You are not required to submit “proof of purchase” (because the claim is about receipt of a text, not a purchase), but you will have to provide truthful and accurate information.
How Payments Will Be Made
According to the settlement:
The payments will come pro rata from the fund, after fees and administrative expenses are subtracted.
Class members have the choice to receive their payouts by check, or electronically through transfer systems such as Venmo or PayPal (depending on how the settlement administrator sets it up).
How much each person receives is contingent on how many eligible claims are filed.
Risks, Limitations and What to Look Out For
This settlement may have its potential positives, but here are some caveats:
Pro-rated Payments: Because the payout is pro rata, if lots of people file, each person’s share could be on the low side of that estimate.
Overhead: Part of the $12.5M goes to overhead which means less for the claimants.
False or Fraudulent Claims: Your claim to a prize may be annulled if it is based on false or fraudulent information. A few users on Reddit urged caution. > “LOL, be wise namo running to advice should always be discussed in the light… Fraudulent claim”
No Admission of Liability: Cash App (Block) contends they have done nothing wrong so this is a settlement and NOT a judgment against them for wrongdoing.
Late Crediting: Debts may be paid out once a judgment is obtained and appealed and confirmation of creditor claim (after you file).
“This isn’t a lawsuit about getting back a couple of bucks — it’s about bigger issues:
Consumer Opt-in: Did consumers actually opt in to receive the referral texts? Many argue they didn’t.
Referral Mechanics: Cash App’s “Invite Friends” feature is a growth hacking tactic, but if it promotes spamming your contacts, that has ethical implications.
Digital Marketing Law and Regulation: The case provides an illustration of the role state laws (such as Washington’s CEMA) can play a regulation of unsolicited commercial messages.
Precedent: If the lawsuit results in stricter rules or more attention, other fintech apps could reconsider how they encourage user-to-user referrals.
With class-action settlement scams rampant, here are some cautions:
Avoid Unauthorized Sources: Stick with the settlement administrator’s official site (e.g., BottomsTextSettlement. com) to file.
Watch Out for Phishing: If you get an email or text indicating you’re eligible, verify the URL twice.
Don’t Pay to File: A real class action claim doesn’t have a fee required before you can submit.
Look at Court Documents: Situations become public when settlement notices are filed in court; you can read them.
Use Legitimate Info: Provide accurate phone number and residency so you don’t get rejected or flagged for fraud.
This payout may have a bearing on Cash App’s business and marketing decisions:
The change would require Cash App to tighten up its referral process and make it clearer that users were consenting.
Other fintech companies could be next, more wary of incentivizing spammy referrals.
Regulators could also focus more on consent frameworks in digital marketing.
Users could grow more conscious and demanding about privacy, she said: “Do I really want to share if my friends don’t want these texts?”
Q: I don’t have (or use) Cash App, do I need to download it? A: Not necessarily. The case is over text messages sent through Cash App’s referral program — even non-users who received the texts may be eligible.
Q: I deleted the text message, am I still able to file? A: The absence of the message alone does not necessarily disqualify your eligibility provided that you believe in receiving the notice within the period, and have complied with other requirements.
Q: What if I don’t live in Washington? A: The settlement’s terms mean you probably do not qualify unless it was sent while you were a Washington state resident.
Q: When will I receive my payment, anyway? Q: When do I get my payment? A: Payments will be distributed after final approval by the court and verification of valid claims. There can be a delay, particularly if the government finds itself tied up in appeals or administrative review.
Q: Must I have a lawyer to file an appeal? A: No, you don’t need your own lawyer. You simply have to complete the claim form truthfully and on time and then submit it.
Q: What if they reject my claim? A: If you are denied (e.g., due to missing information or ineligibility), generally there is notice and a possible opportunity to rectify/appeal depending on the administrator’s process.
The Cash App Spam Text Lawsuit Settlement $12.5 million settlement on spammy text messages is a big deal — especially if you received one of the texts in Washington state without signing up for them in the first place. If you qualify, filing a claim might be the wise thing to do. Sure, $88 to $147 isn’t life-changing money, but it’s not chump change either — and especially not when multiplied across hundreds of thousands of people.
More widely, this case serves to further remind the industry of importance of clear consent in the world of digital marketing. As customers, we should be conscious of how companies are wanting us to refer friends or family and what they say.
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