Cash App Spam Text Lawsuit Settlement: Claim Your Share

Have you ever received a random referral message from Cash App inviting you to join or get a bonus, even though you never requested it? You’re not alone — and that’s exactly what led to a major lawsuit and a multimillion-dollar settlement.

This case is important because it highlights consumer privacy rights and marketing ethics in the digital age. In this article, you’ll learn what the Cash App spam text lawsuit settlement is about, who’s eligible, how much money you might get, and how to claim it step by step.

What Happened? The Background of the Lawsuit

Why This Case Was Filed

In 2023, a Washington state resident filed a lawsuit against Block Inc., the company behind Cash App. The complaint alleged that Cash App’s “Invite Friends” feature sent unsolicited promotional text messages to Washington residents without proper consent.

The texts typically promoted joining Cash App or offered cash rewards, even if the recipient had never used the app or agreed to receive such messages.

The lawsuit accused Block Inc. of violating two state laws:

• The Washington Consumer Electronic Mail Act (CEMA) – prohibits sending unsolicited commercial text messages to residents’ phones.

• The Washington Consumer Protection Act (WCPA) – forbids unfair or deceptive business practices.

While Cash App denied any wrongdoing, the company decided to settle to avoid a lengthy court battle. The final settlement fund was set at $12.5 million.

Key Details of the Settlement

Why Only Washington Residents Are Eligible

The lawsuit is based on Washington-specific privacy laws, which are stricter than many other states. Because the case was filed under state legislation, only residents of Washington at the time of receiving the texts can claim money from this particular settlement.

Who Qualifies for the Settlement?

Eligibility Criteria

You may be eligible to receive a payment if:

1. You lived in Washington state when you received the text.

2. You received a Cash App “Invite Friends” message between November 14, 2019, and the final cut-off date.

3. You did not give consent to receive that promotional text.

4. You can provide the phone number on which you received the message.

Who Does Not Qualify

You may not be eligible if:

• You live outside of Washington state.

• You received the text but had already opted in to Cash App’s promotional messages.

• You cannot verify your phone number or residency.

• The message you received falls outside the eligible time frame.

How Many People Are Affected

Reports suggest that millions of Washington residents may have been targeted by these unsolicited messages. However, only a portion of them are expected to file valid claims, which will influence how much each person receives.

How Much Money Can You Receive?

Estimated Payout

Each approved claimant is expected to receive between $88 and $147. The exact amount depends on the number of valid claims submitted and administrative costs deducted from the total fund.

How Payments Are Calculated

Here’s a simplified breakdown of how the payouts work:

1. Total settlement fund = $12.5 million.

2. Attorney fees, court costs, and administrative expenses are subtracted.

3. The remaining balance is divided equally among all valid claimants.

If fewer people apply, the payment per person increases. Conversely, if more people apply, the payment amount decreases.

Payment Method and Timeline

Claimants will likely receive their payments through:

• Direct deposit (via PayPal, Venmo, or similar services)

• Mailed checks

After final court approval, payments are expected to be distributed within a few months.

How to File Your Claim

Step-by-Step Process

1. Receive Notification

   • Eligible individuals may get a letter, postcard, or email confirming their eligibility.

2. Visit the Official Settlement Website

   • The official portal will allow you to complete your claim form online.

3. Fill Out the Claim Form

   • Provide your name, address, and the phone number that received the text.

   • Confirm that you lived in Washington when you received it.

4. Choose Payment Option

   • Select how you want to receive your settlement payment (check or electronic transfer).

5. Submit Before the Deadline

   • You must file your claim before the official cut-off date, which is expected in late 2025.

What You Need to Prepare

• A valid phone number linked to the unsolicited text.

• Proof of Washington residency (e.g., driver’s license, ID, or bill).

• Email address or bank info for electronic payment.

Important Deadlines

• Claim Filing Deadline: Expected in October 2025.

• Opt-Out Deadline: For those who want to file their own lawsuit.

• Final Approval Hearing: To be held before payments are issued.

Warning About Scams

Be careful of fake websites or scammers pretending to handle settlement claims. The official claim site will never ask for credit card numbers, passwords, or money.

Why This Settlement Matters

Protecting Consumer Rights

This case is more than just about getting a small payout — it reinforces consumer protection laws and the importance of consent in digital marketing.

Receiving a text without permission violates privacy, and this settlement shows that companies can be held accountable for not following state regulations.

Impact on Companies and Marketers

Businesses that use referral or “invite-a-friend” programs should take note. Any marketing that involves texts or automated messages must comply with consent laws. Companies are now re-evaluating their referral campaigns to avoid future lawsuits.

Broader Implications

• For Consumers: Know your rights when it comes to spam texts.

• For Companies: Review privacy policies and ensure opt-in consent mechanisms.

• For Regulators: Strengthen enforcement around unauthorized digital marketing.

Limitations of the Settlement

What Claimants Should Know

• Small Payout: The settlement compensates affected users but does not provide full statutory damages (which can reach $500 per message).

• Limited Scope: Applies only to Washington residents who received Cash App “Invite Friends” texts.

• No Admission of Wrongdoing: Cash App agreed to settle but continues to deny any legal liability.

• One Claim Per Person: Multiple texts do not increase the payout per individual.

What You Cannot Claim

If you live outside Washington or if you gave prior consent to receive texts, you cannot make a claim under this settlement. However, you can still take preventive actions to protect your phone number from future unsolicited marketing.

What You Should Do Now

Step-by-Step Checklist

Check Your Eligibility — Were you in Washington when you got the text?

Keep Proof — If you still have the text, don’t delete it.

Stay Alert — Watch for updates about the official settlement website.

File Your Claim Early — Don’t wait until the last week.

Avoid Scams — Only use official sources for filing your claim.

Tell Others — Share this information with friends or family who may also qualify.

If You Don’t Qualify

Even if you’re not eligible for this settlement, you can still report spam or unsolicited messages to your phone carrier or the Federal Trade Commission (FTC). Doing so helps protect others from similar violations in the future.

The Bigger Picture: Why Consent Matters

This settlement is part of a growing trend where companies face legal consequences for privacy violations. Whether it’s emails, phone calls, or text messages, consent is key.

For users, this is a reminder to protect your personal information and read the fine print before signing up for apps or sharing your number. For businesses, it’s a wake-up call to maintain transparency and follow communication laws.

Conclusion

The Cash App spam text lawsuit settlement is a major reminder that your privacy rights matter. Washington residents who received unsolicited “Invite Friends” messages between late 2019 and 2025 can claim between $88 and $147 from the $12.5 million fund.

If you think you qualify, prepare your information, stay alert for official updates, and file your claim before the deadline. This case also sends a strong message to tech companies: consumer consent isn’t optional — it’s the law.

Takeaway: Always be mindful of who has your phone number and how it’s used. A single spam text may not seem serious, but as this case shows, privacy violations can lead to real consequences.

FAQs

1. Who is eligible for the Cash App spam text settlement?

Anyone who lived in Washington state and received an unsolicited “Invite Friends” text from Cash App between November 2019 and 2025 may qualify.

2. How much money can I get?

The estimated payment per person ranges from $88 to $147, depending on the number of valid claims filed.

3. When will payments be sent out?

Payments are expected after the final court approval in 2025, typically within a few months of the claim deadline.

4. Do I need proof that I received the text?

You’ll need to provide your phone number and confirm your Washington residency. Screenshots or phone records can help, but are usually not required.

5. What if I live outside Washington?

Unfortunately, only Washington residents are covered by this settlement. However, similar class actions may emerge in other states if privacy laws are violated.