Cash App Class Action Lawsuit Settlement Just Agreed to Pay Up to $88-147 Per Person, Here’s How to Claim Your Money Before October 27

CLAIM YOUR PAYMENT NOW – DEADLINE: OCTOBER 27, 2025

Official Settlement Website: www.bottomstextsettlement.com
Direct Claim Form: Submit Your Claim Here

If you received unsolicited text messages from Cash App’s referral program between November 2019 and August 2025, you could be entitled to compensation between $88 and $147 from a $12.5 million class action settlement. You must file your claim by October 27, 2025 – don’t leave money on the table.

Quick Action Steps:

1. ✅ Visit the official settlement website: bottomstextsettlement.com
2. ✅ Complete the online claim form (takes 3-5 minutes)
3. ✅ Submit before October 27, 2025
4. ✅ Receive your payment in early 2026 (if approved)

Quick Settlement Overview

Cash App agreed to pay $12.5 million to resolve claims that it violated Washington law by sending unsolicited commercial text messages to customers. While Cash App denies any wrongdoing, the company chose to settle the lawsuit rather than face prolonged legal proceedings.

Key Settlement Facts:

• Total Settlement Amount: $12.5 million
• Estimated Individual Payout: $88 to $147 per person
• Claim Deadline: October 27, 2025
• Final Approval Hearing: December 2, 2025
• Eligible Period: November 14, 2019 – August 7, 2025

What Is the Cash App Class Action Lawsuit About?

The lawsuit, officially known as Bottoms v. Block Inc. (Case No. 2:23-cv-01969-MJP), centers on allegations that Cash App violated consumer protection laws by sending unwanted promotional text messages.

The Core Allegations

According to the class action lawsuit, Cash App violated Washington’s Commercial Electronic Mail Act (CEMA) and the Washington Consumer Protection Act (CPA) by sending unsolicited text messages to users. The plaintiffs claimed that Cash App’s “Invite Friends” referral program encouraged existing users to send pre-filled promotional texts to their contacts without obtaining proper consent from the recipients.

These messages typically included phrases like “Try it using my code” and promoted Cash App’s referral incentives. Recipients who never signed up for Cash App marketing communications found themselves receiving these promotional texts, which forms the basis of the legal complaint.

Why Washington State?

The lawsuit specifically applies to Washington residents because the state has particularly strong consumer protection laws regarding electronic communications. The settlement benefits individuals who received a Cash App referral program text message between Nov. 14, 2019, and Aug. 7, 2025, while living in Washington.

Who Is Eligible for the Cash App Settlement?

Understanding whether you qualify is crucial before filing a claim. Making false claims can result in perjury charges and harm other legitimate claimants.

Eligibility Requirements

You may be eligible for compensation if you meet ALL of the following criteria:

1. Location: You were a Washington state resident when you received the text message(s)
2. Time Period: You received a Cash App referral program text message between Nov. 14, 2019, and Aug. 7, 2025
3. No Consent: You did not clearly and affirmatively consent in advance to receive the messages
4. Message Type: The text was a Cash App “Invite Friends” referral message (usually sent from another Cash App user’s account)

What Messages Qualify?

Qualifying messages typically include:

• Referral codes or promotional links
• Messages stating “Try it using my code”
• Invitations to join Cash App from existing users
• Promotional texts about Cash App services you didn’t request

What Doesn’t Qualify?

You are NOT eligible if:

• You lived outside Washington state when you received the messages
• You explicitly signed up for Cash App promotional communications
• You only received account-related notifications (transaction alerts, security notices)
• You received messages before November 14, 2019, or after August 7, 2025

How Much Money Will I Get from the Cash App Settlement?

The settlement amount each person receives depends on the total number of valid claims submitted.

Estimated Payout Range

According to the class action settlement website, each class member is estimated to receive between $88 and $147. Actual payments may be higher or lower depending on the number of claims filed.

How the Math Works:

• Total settlement fund: $12.5 million
• Minus legal fees, administrative costs, and class representative incentive awards
• Remaining amount divided equally among all valid claimants

Factors Affecting Your Payout

Your actual payment amount will be determined by:

1. Number of Valid Claims: More claims mean smaller individual payouts
2. Administrative Costs: Legal fees and settlement administration expenses are deducted first
3. Court Approval: The final distribution must be approved by the court at the December 2, 2025 hearing

Example Scenarios:

If 100,000 people file valid claims:

• Each person could receive approximately $110-$125 (after fees)

If 150,000 people file valid claims:

• Each person could receive approximately $75-$90 (after fees)

How to File Your Cash App Settlement Claim

Filing your claim is straightforward, but attention to detail is critical. Incomplete or inaccurate claims may be rejected.

Step-by-Step Claim Process

Step 1: Gather Required Information The claim form requires class members to provide the phone number at which they received the Cash App “Invite Friends” referral text message and confirm all eligibility requirements.

You’ll need:

• The phone number that received the spam text(s)
• Confirmation that you owned/regularly used that number
• Verification of your Washington residency during the relevant period
• Attestation that you didn’t consent to receive these messages

Step 2: Access the Official Settlement Website

Official Settlement Website: www.bottomstextsettlement.com
Direct Claim Form Link: https://bottomstextsettlement.pnclassaction.com/

⚠️ Warning: Be cautious of fraudulent websites. Only use the official settlement website listed above.

Step 3: Complete the Claim Form

Fill out all required fields accurately at bottomstextsettlement.pnclassaction.com. You will be submitting this claim under penalty of perjury, so ensure all information is truthful and accurate.

Two Ways to Submit:

• Online: Submit electronically through the settlement website (recommended)
• By Mail: Print and mail to: Bottoms v. Block Settlement Administrator, P.O. Box 2631, Baton Rouge, LA 70821

⚠️ Important: Each Settlement Class Member can submit only ONE claim form. Duplicate claims will be rejected. If you submit online, do not also mail a claim form.

Step 4: Submit Before the Deadline

To receive a settlement payment, class members must submit a valid claim form by October 27, 2025.

• Online submissions: Must be completed by 11:59 PM on October 27, 2025
• Mailed submissions: Must be postmarked by October 27, 2025

Late submissions will not be accepted under any circumstances.

Step 5: Keep Confirmation Records

Save your confirmation email or submission number for your records. This serves as proof that you filed a timely claim.

Payment Method Options

According to settlement documents, payment methods typically include:

• Direct deposit to your bank account
• Paper check mailed to your address
• Digital payment to electronic wallet

Select your preferred method during the claim process.

Important Dates and Deadlines

Missing these deadlines could forfeit your right to compensation.

Critical Timeline

What Happens at the Final Hearing?

On December 2, 2025, a judge will review the settlement and determine whether it’s fair, reasonable, and adequate. If approved, the settlement administrator will begin processing payments to approved claimants.

Opting Out or Objecting to the Settlement

You have options if you disagree with the settlement terms.

Excluding Yourself

If you opt out (exclude yourself) from the settlement:

• You won’t receive any payment from this settlement
• You retain the right to file your own lawsuit against Cash App
• You must submit your exclusion request by October 27, 2025

Filing an Objection

If you disagree with the settlement but want to remain in the class:

• You can file a written objection explaining your concerns
• You must submit your objection by October 27, 2025
• You can still receive payment if the settlement is approved
• Your objection will be considered at the final approval hearing

What Does This Mean for Cash App Users?

This settlement highlights important consumer privacy rights in the digital age.

Broader Implications

Consumer Protection Enforcement: The $12.5 million Cash App settlement demonstrates that even major financial platforms must respect user privacy. This case reinforces that companies cannot circumvent consent requirements by using their existing users to distribute promotional messages.

Future Marketing Practices: Companies will likely scrutinize their referral programs more carefully to ensure compliance with state and federal electronic messaging laws.

User Rights: This settlement affirms your right to control who can send you commercial text messages, even when those messages come through peer-to-peer referral programs.

Frequently Asked Questions (FAQs)

Q: Do I need proof that I received the spam texts?

No, you don’t need to provide screenshots or other documentation. However, you must attest under penalty of perjury that you received the messages and meet all eligibility criteria.

Q: What if I received multiple spam texts from Cash App?

The settlement provides for an equal distribution to all valid claimants regardless of how many messages you received. You’ll receive one payment based on your valid claim.

Q: Can I file a claim if I no longer have the same phone number?

Yes, as long as you owned or regularly used the phone number when you received the spam texts and can provide that number on your claim form.

Q: Will filing a claim affect my Cash App account?

No. Filing a claim will not impact your ability to continue using Cash App services.

Q: What if I’m not sure I lived in Washington during the timeframe?

Only file a claim if you’re certain you were a Washington resident when you received the messages. Filing false claims constitutes perjury and harms other eligible class members.

Q: Is this the same as the Cash App data breach settlement?

No. This is a separate settlement specifically related to unsolicited text messages. Cash App has faced other legal actions, including a security-related settlement, but they are distinct cases with different eligibility criteria.

Q: How long after the approval hearing will I receive payment?

If the settlement is approved on December 2, 2025, payments typically begin 60-90 days later. Expect to receive your payment in early 2026.

Q: Can I file a claim for my family members?

Each individual must file their own claim. You cannot submit a single claim on behalf of multiple people, even if they’re family members.

Q: What happens if the settlement isn’t approved?

If the court doesn’t approve the settlement, the case would proceed to litigation, and class members would not receive any payment under this agreement.

Q: Are settlement payments taxable?

Generally, settlement payments may be considered taxable income. Consult a tax professional about your specific situation. The settlement administrator will provide any required tax documentation.

Contact Information

Settlement Administrator

Bottoms v Block Settlement Administrator
P.O. Box 2631
Baton Rouge, LA 70821

Website: www.bottomstextsettlement.com
Claim Form: bottomstextsettlement.pnclassaction.com
Phone: 877-540-7545
Email: [Contact through settlement website]

Class Counsel

Terrell Marshall Law Group PLLC

• Beth E. Terrell
• Jennifer Rust Murray
• Eden B. Nordby

Berger Montague PC

• Sophia M. Rios
• E. Michelle Drake
• Colleen Fewer

Take Action Now – Don’t Miss Out on Your Payment

The October 27, 2025 deadline is firm, and late claims will not be accepted.

File Your Claim in 3 Easy Steps:

1. Visit: bottomstextsettlement.pnclassaction.com
2. Complete: Fill out the online claim form (takes 3-5 minutes)
3. Submit: Get your confirmation number before the October 27 deadline

If you believe you’re eligible:

1. ✅ Review the eligibility criteria carefully
2. ✅ Gather your phone number information
3. ✅ File your claim through the official settlement website: bottomstextsettlement.com
4. ✅ Keep your confirmation documentation
5. ✅ Expect payment in early 2026 (if settlement is approved)

Important Reminder: This article provides general information about the Cash App class action settlement. It is not legal advice. If you have specific questions about your eligibility or rights, consult with an attorney.

The settlement represents an important victory for consumer privacy rights and demonstrates that companies must obtain proper consent before sending commercial text messages, even through peer-to-peer referral systems.

Last Updated: October 7, 2025 Case Name: Bottoms v. Block Inc., Case No. 2:23-cv-01969-MJP Court: U.S. District Court for the Western District of Washington

Disclaimer: This article is for informational purposes only and does not constitute legal advice. Settlement terms are subject to court approval. For official information, visit the settlement administrator’s website or consult with qualified legal counsel.

About the Author

Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
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