In a development that’s turning heads for mobile payment users across the country, Block, Inc.—the parent company behind Cash App—has agreed to a Cash App $12.5M settlement 2025 to resolve a class action lawsuit alleging unauthorized promotional texts were sent to millions of Washington state residents between November 14, 2019, and August 7, 2025.
While Cash App denies wrongdoing, the $12.5 million fund opens the door for eligible claimants to receive payouts estimated at $88 to $147 each, depending on the number of valid submissions, with claims due by October 27, 2025. As digital privacy concerns escalate amid rising spam complaints—up 25% in 2025 alone—this Cash App class action settlement 2025 highlights the pushback against unsolicited marketing, potentially benefiting up to 2 million affected users while mandating better consent practices for three years.
If you received those pesky referral texts without opting in, understanding Cash App settlement eligibility 2025 and the Cash App settlement claim process 2025 is crucial to securing your share before the deadline slips away. This complete guide covers who qualifies, step-by-step claiming instructions, expected payout timelines, and scam warnings—helping you turn irritation into compensation without the hassle.
What Is the Cash App $12.5M Settlement 2025? A Quick Background on the Lawsuit
The Cash App $12.5M settlement 2025 stems from the class action lawsuit Bottoms v. Block Inc. (Case No. 2:23-cv-01969-MJP), filed in Washington federal court, accusing Cash App of violating the state’s Commercial Electronic Mail Act and Consumer Protection Act by automating unsolicited referral texts through its “Invite Friends” feature.
From November 14, 2019, to August 7, 2025, these messages bombarded users—many non-Cash App account holders—without explicit consent, sparking privacy complaints and a wave of opt-out demands. Block, Inc. (formerly Square) settled for $12.5 million to avoid protracted litigation, covering claimant compensation, attorney fees, and administration costs, while committing to enhanced transparency and consent protocols for the next three years.
Preliminary court approval came in September 2025, with final hearings slated for early 2026—meaning payouts could land late 2025 or early 2026, estimated at $88-$147 per valid claim based on volume (fewer filers mean bigger shares).
This isn’t Cash App’s first rodeo; a separate $15 million data breach settlement from 2024 offered up to $2,500 for affected users, but this text-spam case targets a broader swath of annoyed recipients. For those hit by the messages, it’s a chance to recoup time and frustration—think of it as a small win in the battle against digital clutter.
Cash App Settlement Eligibility 2025: Who Qualifies for the $12.5M Fund?
Qualifying for the Cash App settlement eligibility 2025 is straightforward and narrowly tailored to Washington state residents impacted by the unauthorized texts, ensuring the fund reaches those truly affected without broad overreach. No proof of financial harm required—just confirmation of receipt during the class period. Key criteria:
- Geographic Focus: Must have been a Washington state resident at the time of receiving the text—non-residents or those who moved out are ineligible.
- Message Timeline: Received at least one Cash App referral or promotional text between November 14, 2019, and August 7, 2025—texts promoting sign-ups, referrals, or app features count, even if you never downloaded.
- No Prior Consent: Did not opt in or give explicit permission for the messages; if you were part of Cash App’s referral program willingly, you’re out.
- Claim Submission: Must file (or intend to file) a claim form by October 27, 2025—excludes Block Inc. employees, their families, and prior lawsuit participants.
This targets up to 2 million potential claimants, with no cap on claims per person—multiple texts qualify as one payout. Quick check: If you got a “Invite a friend to Cash App and get $5” text from an unknown number during that window, you’re likely in—use the settlement site’s eligibility tool for confirmation.
| Eligibility Factor | Requirement | Example Inclusion | Exclusion Note |
|---|---|---|---|
| Residency | Washington state during text | Lived in Seattle 2020 | Moved to CA in 2022 |
| Message Period | Nov 14, 2019-Aug 7, 2025 | Referral text 2021 | Pre-2019 messages |
| Consent Status | No prior opt-in | Unsolicited promo | Referral program joiner |
| Claim Deadline | By Oct 27, 2025 | Filed online | Missed deadline |
How to Claim Your Share of the Cash App $12.5M Settlement 2025: Step-by-Step Process
The Cash App settlement claim process 2025 is user-friendly and digital-first, taking under 5 minutes online via the official administrator site—no lawyers or fees required, though mail options exist for those preferring paper. Preliminary approval lets claims proceed now, with final court sign-off expected January 2026.
Easy steps:
- Visit the Official Site: Head to www.BottomsTextSettlement.com (or search “Cash App text settlement”)—avoid lookalikes to dodge scams.
- Verify Eligibility: Enter your phone number and Washington residency details during the period—site confirms in seconds; no screenshots needed unless requested.
- Fill the Form: Provide name, address, email, phone, and payout preference (check, direct deposit, or digital transfer like Venmo)—affirm no consent given.
- Submit and Confirm: Electronically sign and hit send by October 27, 2025—receive email receipt; print for records.
- Wait for Payout: Post-final approval, funds distribute late 2025/early 2026—estimated $88-$147, pro-rated by claims (fewer = higher).
Mail claims? Download PDF, postmark by deadline—slower but valid. Track status on the site; opt-outs or objections due November 17, 2025.
Cash App Settlement Payout Dates 2025: When Will You Get Your $88-$147?
Payout timing for the Cash App settlement payout dates 2025 hinges on court approval and claim volume, with the final hearing set for January 10, 2026—preliminary green light allows filing now, but funds won’t flow until post-approval. Administrator estimates distribution late Q1 2026, but low claim rates (3-12% in similar cases) could accelerate to February if under 500,000 file.
Expected timeline:
- Claim Deadline: October 27, 2025—late submissions rejected.
- Final Approval Hearing: January 10, 2026—objections resolved by November 17.
- Payout Waves: Late January to March 2026—checks/direct in 30-60 days post-approval; digital faster.
- Pro-Rated Amounts: $88 base, up to $147 if claims low—admin fees deducted first.
Notifications 30 days pre-payout; track via site dashboard. If denied, appeals within 30 days—80% success with proofs.
| Milestone | Date | What Happens |
|---|---|---|
| Claim Submission | By Oct 27, 2025 | File online/mail |
| Objection Deadline | Nov 17, 2025 | Opt out if needed |
| Final Court Hearing | Jan 10, 2026 | Approval decision |
| Payout Distribution | Late Jan-Mar 2026 | Funds issued |
Common Questions and Warnings: Avoid Scams in the Cash App Settlement 2025
The Cash App $12.5M settlement 2025 draws scammers like flies—phishing up 35% per FTC—with fake sites mimicking the official portal to snag SSNs or fees. FAQs and shields:
- Do I Need Proof?: No—phone number verifies; screenshots optional.
- Payout Guaranteed?: Yes if eligible and timely—$88-$147 pro-rated.
- Deadline Missed?: No payout, but no penalty—file objections if opting out.
Warnings: “Claim $147 now” texts? Fraud—official www.BottomsTextSettlement.com only; no fees. Report to FTC.gov; Block’s three-year reforms include better opt-outs.
Wrapping Up: Act Fast on the Cash App $12.5M Settlement 2025 Before October 27
The Cash App $12.5M settlement 2025 is a hard-won nod to digital privacy, offering Cash App settlement eligibility 2025 to Washington text victims and a straightforward Cash App settlement claim process 2025 for up to $147—file by October 27 to join the queue. From unsolicited spam to settlement shares, it’s a reminder: Your data has value—claim it wisely. Got those old texts? Head to the site now; share your story below. For Cash App settlement payout dates 2025 news, subscribe and stay compensated.