Cash App settlement updates are dominating headlines as the mobile payment service faces multiple legal challenges that could impact millions of U.S. users. From spam-text complaints in Washington state to a previously approved data breach case, both settlements have important deadlines and payout details you should know about.
Latest Cash App Settlement: $12.5 Million Spam-Text Case
In July 2025, Block, Inc. — the parent company of Cash App — agreed to pay $12.5 million to resolve a class action lawsuit filed in Washington state. The lawsuit claims Cash App’s “Invite Friends” referral program violated state law by sending users unsolicited promotional text messages.
- Preliminary approval: July 29, 2025
- Final approval hearing: December 2, 2025
- Claim deadline: October 27, 2025
The settlement website, BottomsTextSettlement.com, is already live for users who qualify.
Who qualifies?
- Washington residents who received Cash App referral texts between November 14, 2019, and 2025 (exact cutoff to be confirmed).
- People who did not give prior consent to receive those messages.
Expected payout: Between $88 and $147 per person, depending on the number of claims filed.
How to file a claim:
- Go to the settlement website and submit your claim form online.
- Provide your phone number, name, and address, and confirm that you received the referral texts without consent.
Earlier $15 Million Data Breach Settlement
In addition to the spam-text case, Cash App previously agreed to a $15 million data breach settlement for customers who had their personal information compromised between August 23, 2018, and August 20, 2024.
Key details:
- Covered unauthorized account access, fraudulent withdrawals, and identity theft.
- Eligible claimants could request up to $2,500 for documented losses.
- Compensation also included reimbursement for credit monitoring costs, bank fees, and time spent dealing with fraud.
- The claim deadline was November 18, 2024, and payments are now expected to be distributed.
Additional Settlements and Fines
The spam-text and data breach settlements are only part of a broader regulatory crackdown on Cash App and its parent company:
- $80 million fine from 48 state regulators in January 2025 for anti-money laundering violations.
- $40 million fine from New York regulators in April 2025 for compliance failures.
- $175 million fine from the Consumer Financial Protection Bureau in 2025 for mishandling fraud claims, with $120 million earmarked for customer refunds.
These actions highlight growing scrutiny on fintech companies and their responsibility to safeguard consumers.
What Cash App Users Should Do
If you think you may qualify for either settlement, here are the steps to take:
- Check your eligibility. Were you a Washington resident who received Cash App referral texts? Did you experience unauthorized activity between 2018 and 2024?
- Visit the settlement websites. Confirm claim deadlines and file your paperwork online.
- Prepare documentation. Keep records of phone numbers, account activity, or fraudulent charges.
- Meet deadlines. Claims submitted late will likely be denied.
Why These Settlements Matter
These cases highlight the importance of consumer rights in the digital payments space. For Cash App users, the settlements provide not only compensation but also reassurance that regulators are holding large fintech platforms accountable for privacy, security, and compliance standards.
If you think you may qualify, don’t wait—check the eligibility details and submit your claim before the deadlines close. Have questions or insights about these Cash App settlements? Share your thoughts below and join the discussion.