Cash App Class Action Lawsuit: How to Claim Your Share of the $12.5M Settlement
Sending someone money is as simple as a few taps on your phone, and for millions of us, apps like Cash App are a normal part of life. That convenience is fantastic, but it only works if we can trust these platforms with our private information. Unfortunately, that trust was broken for many users, leading directly to the Cash App class action lawsuit.
Remember getting a random text promising “free money” on Cash App? You weren’t the only one. A flood of those spam messages is exactly why there’s now a Cash App class action lawsuit, resulting in a $12.5 million settlement.
If you had one of those texts light up your phone, you could be owed a piece of it. Let’s break down what actually happened, who qualifies for a payout, and how you can file a claim to get what you’re owed.
What Is Cash App?
Cash App, a part of Block, Inc., is a mobile payment service that lets people send and receive money in just a few taps. A lot of people use it for everyday things like splitting bills, sending a friend money back, or moving money between personal accounts.
Over the years, Cash App has grown beyond simple money transfers. Users could order a Cash Card to spend straight from their balance, set up direct deposit for paychecks, buy stocks or Bitcoin, and even file taxes through the app. Cash App is an all-in-one place that doesn’t feel as complicated as a traditional bank.
With millions of users, Cash App has become a go-to tool for quick payments and personal finance. Most of its appeal comes from how easy it is to use. Still, as with any service handling personal and financial information, trust and responsible communication matter.
Spam Texts and Privacy
Spam texts aren’t just annoying. They’ve become a real problem for people across the U.S. Every day, billions of automated messages go out, and many of them pretend to be from familiar apps or services. Some are meant to sell something, others try to get personal or financial information. In the past couple of years, these messages have increased fast, especially as more people rely on mobile payment apps.
Reports show that Americans receive dozens of unwanted texts each month, and smishing (text message phishing) has jumped sharply. Scammers often act like they’re a bank, a delivery service, or even an app someone uses regularly to make the message seem believable. Because of this, billions of dollars have been lost to text-message fraud.
For many, these texts blend in with real notifications, which makes it hard to tell what’s legitimate and what’s not. So, when an app like Cash App sends promotional messages without permission, it hits a sensitive nerve. People want to decide when and how a company can contact them. And that’s part of what led to the lawsuit and settlement now underway.
The Cash App Class Action Lawsuit
The Cash App class action lawsuit centers on promotional text messages tied to the app’s “Invite Friends” feature. These messages were sent to people who hadn’t given clear permission to receive them. The texts encouraged recipients to sign up using someone else’s referral code, offering small rewards for both people. The problem was that the messages often looked personal, even though they were part of a marketing push.
The lawsuit was brought by Washington resident Kimberly Bottoms in late 2023. It claimed that the texts violated state rules designed to protect people from unsolicited commercial messages. The idea is simple: companies need permission before sending marketing texts, no matter how casual or friendly they try to make them look.
Cash App did not admit any wrongdoing, but it agreed to a $12.5 million Cash App settlement class action lawsuit resolution. This is sometimes referred to as the Cash App class action lawsuit or the Cash App spam text lawsuit settlement. Some people also call it the Cash App spam texts settlement or the Cash App settlement class action. The goal is to compensate people who received these messages without choosing to.
At its core, the case is about privacy and consent. People should be able to decide who can contact them and why. When messages are sent without that say-so, it crosses a line, even if the message is coming from a familiar app.
Cash App Spam Text Lawsuit Settlement Details
- The Cash App spam text lawsuit settlement totals $12.5 million.
- It’s specifically for Washington state residents who received referral texts from Cash App that they didn’t ask for.
- These messages went out between November 14, 2019, and August 7, 2025, as part of the app’s promotional program.
- The settlement applies only to people in Washington because the claims are based on state law, not a nationwide rule.
- The lawsuit focused on violations of Washington’s Commercial Electronic Mail Act and Consumer Protection Act, which require companies to get clear permission before sending marketing texts.
- If you’re eligible, the payout amount depends on how many people file a claim. Current estimates suggest payments may land somewhere between about $88 and $147 per person.
- The settlement website has instructions for filing, and claims must be submitted by October 27, 2025.
- A court will review the settlement at a fairness hearing scheduled for December 2, 2025.
This Cash App settlement class action is separate from any possible federal claims. So, if you’re not a Washington resident, this particular settlement won’t apply to you.
How to File a Claim
If you think you might qualify, the process is pretty simple. Once the settlement website opens, you’ll be able to file directly through it. Here’s what that usually looks like:
- Go to the official settlement site when it becomes available.
- You can fill out the form online or download it and send it in by mail if that’s easier.
- You’ll be asked for your name, a way to contact you, and the phone number where the Cash App referral texts were received.
- The deadline to submit a claim is expected to land around October 27, 2025, but keep an eye on the final date once the website goes live.
- You’ll get to pick how you’d like to be paid. Common options include PayPal, Venmo, Zelle, a prepaid card, or a paper check.
- After you send in your claim, you’ll get a confirmation, usually through email or regular mail, letting you know it was submitted.
- Only one claim is allowed per person.
- You’ll need to state that you lived in Washington when the messages came through and that you didn’t consent to receiving them.
- You won’t be asked to upload screenshots or detailed proof. The phone number and your statement generally cover it.
The claim portal will open after the court gives preliminary approval. That’s expected sometime in late 2025.
What Kinds of Text Messages Count?
Not every message from Cash App is part of this. The settlement focuses on the referral texts that encouraged people to join the app. These are the messages that tried to get someone to sign up using another person’s invite link.
You’re looking for texts that:
- Encouraged you to join Cash App or download the app
- Mentioned a bonus or reward for signing up
- Included a referral link or referral code
- Came through without you asking for any promotional texts
You might remember messages that sounded similar to:
- “Join me on Cash App and get $5”
- “Invite friends and earn rewards”
- “Use my code to get your bonus”
- “Earn cash when your friends sign up”
The wording may have looked slightly different from person to person, but the idea was the same: a friend or contact appeared to be inviting you to join, and both people were promised a small reward.
If you received something like that between November 14, 2019, and August 7, 2025, and you were living in Washington at the time, that’s the type of message this settlement is referring to.
Do You Need Proof of the Text?
Most people won’t need to dig up a lot of documents. For this settlement, the main point is simply confirming that you received the referral text and didn’t agree to it. Here’s what can help if the settlement site asks for proof:
- A screenshot of the referral text on your phone is usually enough.
- The message should show that it was inviting you to sign up for Cash App with a referral code or link.
- If possible, the screenshot should show the date, time, and the phone number where it was received.
- When you file, you’ll also be asked to confirm that you lived in Washington at the time and that you did not give permission for the texts.
- You’re not required to show financial harm. This settlement is about privacy and consent, not money lost.
If you don’t have the screenshot anymore, don’t stress. Many settlements accept your statement on the claim form as long as it matches the eligibility requirements.
Why This Case is Vital
This CashApp class action lawsuit is about something bigger. It’s about your right to privacy. The case sets a simple standard: companies can’t turn your phone into a billboard without your permission. Your number isn’t public property. Your attention isn’t for sale. When companies respect that boundary, it builds trust. When they don’t, laws like Washington’s Consumer Protection Act give you the power to say “no.” The Cash App spam texts settlement is a reminder that your privacy matters, and you have rights when companies cross the line.
Let EOL.Law Help
The Cash App settlement highlights that your personal information and your consent matter. If a company crosses that line, you have the right to call it out and take action. This case shows that privacy violations are not something you just “deal with.” They’re something you can stand up against.
If you think you were included in the marketing messages being challenged in this lawsuit, or you’re unsure but want clarity, talking with someone who handles cases like this every day can help you sort out your next step.
At EOL.Law, we look at the details of your case, explain what applies to you, and help you decide on what works best for you. If you’re considering joining a claim or just want to understand where you stand, reach out for a free case review.
Frequently Asked Questions
Was there a class action lawsuit against Cash App?
Yes, a few different lawsuits have been filed. One case was about Cash App sending spam text messages as part of its referral program. Another case dealt with security problems, where user accounts were accessed without permission. Both of these cases led to separate financial settlements.
What is the $2570 Cash App settlement 2025?
That amount was the top payment someone could get from the data security lawsuit. It was meant to cover money people lost from unauthorized transactions or fraud. You can no longer file a claim for that particular settlement.
How do I claim the Cash App settlement?
For the text message settlement, you need to go to the official claims website. You must provide the phone number that received the spam texts. Make sure you submit your claim before the final deadline, which is October 27, 2025.
How much will you get from Cash App settlement?
For the spam text case, you can expect a payment between $88 and $147 for each message. The larger data security settlement offered payments based on your specific losses, with a maximum of $2,570. Final payout amounts depend on which case you are part of and how many people file claims.