Toyota $889,525 TCPA Class Action Settlement, Up to $85 Per Text Message for Unwanted Marketing Communications
The Toyota $889,525 TCPA Class Action Settlement provides compensation to individuals who received unwanted text messages from FRL Automotive LLC d/b/a Toyota of North Miami after requesting to stop receiving them. Settlement Class Members can receive up to $85 per text message, but you must file a claim by April 9, 2026 to receive payment.
What Is the Toyota TCPA Settlement About?
FRL Automotive LLC, operating as Toyota of North Miami, faces allegations of violating federal and Florida consumer protection laws by sending marketing text messages to customers who had already opted out. The lawsuit claims the dealership continued sending promotional texts at least 15 days after recipients asked to stop receiving them.
The settlement resolves a class action lawsuit filed by Jason Karpiel against the Miami-area Toyota dealership. According to court documents, the case involves violations of both the Telephone Consumer Protection Act (TCPA) and Florida’s Telephone Solicitation Act (FTSA).
Here’s what makes this case significant: Under TCPA regulations, businesses must stop sending marketing communications within a reasonable timeframe after consumers opt out. Florida law specifically requires companies to cease text messages within 15 days of an opt-out request.
Understanding TCPA Violations in the Automotive Industry
The automotive sector has become a frequent target of TCPA litigation. Car dealerships often use mass texting campaigns to promote sales, service reminders, and special offers. When dealerships fail to honor opt-out requests, they expose themselves to substantial legal liability.
TCPA violations can result in penalties ranging from $500 to $1,500 per illegal text message. Given that dealerships frequently send multiple messages during promotional campaigns, these violations can accumulate rapidly into six-figure settlement amounts.
This Toyota settlement demonstrates the financial consequences dealerships face when their messaging systems fail to properly process opt-out requests or continue sending communications after consumers explicitly ask to stop.
Who Qualifies for the Toyota TCPA Settlement?
You’re included in the Settlement Class if you meet all these criteria:
You received text messages from FRL Automotive LLC d/b/a Toyota of North Miami between March 10, 2021, and September 20, 2025. You opted out of receiving text messages from the dealership. You continued receiving text messages at least 15 days after you opted out.
The settlement covers individuals throughout the United States who experienced this pattern of unwanted communications. Your location doesn’t matter—what matters is whether you received texts after requesting they stop.
How to Verify Your Eligibility
Check your phone’s message history for texts from Toyota of North Miami during the class period. Look for evidence that you opted out, such as replies saying “STOP,” “UNSUBSCRIBE,” or similar opt-out language. Document any messages you received more than 15 days after your opt-out request.
If you’re unsure whether you qualify, you can contact the Settlement Administrator at 1-833-806-3492 or visit www.FRLAutomotiveTCPACase.com for verification assistance.
How Much Money Can You Receive?
The settlement establishes a Gross Settlement Fund of $889,525. Settlement Class Members who file valid claims will receive up to $85 per text message received after they opted out.
Your payment depends on how many text messages you received following your opt-out request. The settlement agreement specifies that claimants receive compensation for every qualifying text message, calculated at up to $85 each.
The final payment amount comes from the Settlement Fund after deductions for settlement administration costs, attorney fees, and a service award for the class representative. All approved claimants share proportionally in the remaining funds.
Payment Structure and Distribution
According to the settlement terms, Class Counsel may request up to 25% of the Settlement Fund for attorney fees and litigation expenses. The class representative, Jason Karpiel, may receive a service award of up to $5,000 for his role in pursuing the case on behalf of all affected consumers.
After these deductions, the remaining funds will be distributed among all Settlement Class Members who submit timely and valid claims. Each approved claimant receives their pro rata share based on the number of qualifying text messages documented in their claim.
Similar Carguard TCPA settlements have resulted in meaningful compensation for affected consumers, with payments varying based on the total number of claims filed and the documented violations per claimant.
How to File Your Claim for Toyota Settlement Compensation
Filing your claim requires completing an official Claim Form by the April 9, 2026 deadline. Here’s your step-by-step guide:
Step 1: Obtain Your Claim Form
Download the Claim Form directly from www.FRLAutomotiveTCPACase.com or request one by calling 1-833-806-3492. You can also write to FRL Automotive TCPA Case, PO Box 2005, Chanhassen, MN 55317-2005 to request a form by mail.
Step 2: Complete the Form Accurately
Provide all required information, including your full name, address, and the phone number where you received the text messages. Specify how many text messages you received after opting out. Make all required affirmations and representations about your eligibility.
You only need to submit one Claim Form regardless of how many qualifying text messages you received. The form should account for all messages sent after your opt-out request.
Step 3: Submit Before the Deadline
Mail your completed Claim Form to the Settlement Administrator at the address above, postmarked no later than April 9, 2026. Alternatively, submit your claim electronically through the settlement website by the same deadline.
Late submissions will not be accepted, so mark your calendar and file promptly to preserve your rights to compensation.
Required Documentation
While the settlement notice doesn’t specify extensive documentation requirements, maintaining records strengthens your claim. Keep copies of the text messages you received, screenshots showing dates and content, and evidence of your opt-out request if available.
The Settlement Administrator may contact you if additional verification is needed to process your claim. Respond promptly to any requests to avoid delays in payment processing.
What Happens After You File?
Settlement Class Members who submit valid claims will receive payment by check within 60 days following the Effective Date of the settlement. The Effective Date occurs after the Court grants Final Approval and all appeals are resolved.
The Final Approval Hearing is scheduled for March 25, 2026 at 11:45 a.m. in virtual courtroom proceedings. Judge Reemberto Diaz of the Eleventh Judicial Circuit in Miami-Dade County, Florida will determine whether the settlement is fair, reasonable, and adequate.
Timeline for Receiving Your Payment
Court approval process: The judge must grant Final Approval at the March 2026 hearing. Any appeals must be resolved before the settlement becomes effective. Payment distribution: Checks will be mailed within 60 days after the Effective Date. Expected timeframe: Assuming no appeals delay the process, payments should reach Settlement Class Members by summer 2026.
The Settlement Administrator handles all payment processing. If you move before receiving your check, update your address by contacting the administrator promptly.
Your Rights and Options Under the Settlement
You have several options regarding your participation in this settlement:
Option 1: Submit a Claim and Receive Benefits
File a completed Claim Form by April 9, 2026 to receive your share of the settlement fund. If the Court approves the settlement and it becomes final, you’ll receive payment and release your legal claims against FRL Automotive related to this case.
Option 2: Exclude Yourself from the Settlement
Request exclusion if you want to preserve your right to sue FRL Automotive independently. Your exclusion request must be mailed to the Settlement Administrator and postmarked by January 23, 2026.
If you exclude yourself, you won’t receive any settlement benefits, but you’ll retain the ability to pursue your own lawsuit about these claims. You must personally sign your exclusion request under penalty of perjury.
Option 3: Object to the Settlement
If you’re a Settlement Class Member who doesn’t exclude yourself, you can object to the settlement terms. Written objections must be filed with the Court and mailed to Class Counsel and Defendant’s Counsel by January 23, 2026.
Your objection must include specific information outlined in the settlement notice, including your legal and factual basis for objecting and whether you plan to appear at the Final Approval Hearing.
Option 4: Do Nothing
If you take no action, you won’t receive any settlement benefits. However, you’ll still be bound by the Court’s judgment and give up your right to bring your own lawsuit against FRL Automotive about these claims.
Taking no action means forfeiting both compensation and the ability to pursue independent legal remedies.
Understanding TCPA Consumer Protection Rights
The Telephone Consumer Protection Act serves as a crucial shield against unwanted marketing communications. Enacted by Congress in 1991, the TCPA addresses the growing problem of intrusive telemarketing by establishing clear rules for commercial communications.
For text messaging specifically, the TCPA requires businesses to obtain prior express written consent before sending marketing messages to cell phones. Once a consumer opts out, companies must honor that request promptly.
Florida’s Telephone Solicitation Act provides additional protections at the state level. The FTSA requires businesses to stop sending text messages within 15 days after a consumer requests removal from their contact list.
Why These Protections Matter
Auto dealerships often maintain large databases of customer phone numbers from service appointments, test drives, and previous purchases. Without proper opt-out processing systems, these databases can generate thousands of unwanted messages to consumers who no longer wish to receive promotional communications.
The Toyota settlement demonstrates that courts take these violations seriously when businesses fail to implement adequate opt-out mechanisms or continue messaging after consumers have clearly expressed their wishes to stop receiving communications.
Similar cases involving Shein text message violations have resulted in substantial settlements across various industries, establishing important precedents for consumer protection enforcement.
Frequently Asked Questions
What exactly did Toyota of North Miami allegedly do wrong?
The lawsuit alleges FRL Automotive LLC d/b/a Toyota of North Miami sent marketing text messages to consumers who had opted out of receiving such messages. Specifically, the dealership allegedly continued sending texts at least 15 days after recipients requested to stop, violating both federal TCPA regulations and Florida’s Telephone Solicitation Act. Toyota denies all allegations of wrongdoing but agreed to settle to avoid litigation costs and uncertainty.
How do I prove I opted out of receiving text messages?
Look for evidence in your text message history showing you replied “STOP,” “UNSUBSCRIBE,” or similar opt-out language to messages from Toyota of North Miami. Screenshots of these exchanges can support your claim. Even if you don’t have direct proof, your phone number may appear in the dealership’s records showing you opted out during the class period.
Can I file a claim if I deleted the text messages?
Yes, you can still file a claim even without saved messages. The settlement notice doesn’t require you to provide copies of the actual texts. However, you must truthfully complete the Claim Form affirming that you received text messages after opting out. The Settlement Administrator may verify claims against dealership records.
What if I moved or changed my phone number since receiving the texts?
You can still participate in the settlement as long as you received qualifying text messages during the class period (March 10, 2021 through September 20, 2025). Provide your current mailing address on the Claim Form so the Settlement Administrator can send your payment check. If you change addresses before receiving payment, update your information with the administrator.
Will participating in this settlement affect other legal rights?
If you submit a claim and remain in the Settlement Class, you’ll release FRL Automotive from legal liability for claims related to these text message violations. This means you cannot later file a separate lawsuit about the same conduct. However, the release only covers claims arising from the specific text messaging practices addressed in this settlement.
How long will it take to receive my settlement payment?
Payments will be distributed within 60 days after the settlement’s Effective Date, which occurs after the Court grants Final Approval and any appeals are resolved. The Final Approval Hearing is scheduled for March 25, 2026. Assuming no appeals delay the process, Settlement Class Members should receive checks by summer 2026.
Is the $889,525 settlement amount guaranteed?
Yes, FRL Automotive has agreed to pay up to $889,525 as the Gross Settlement Fund. This amount covers all settlement payments, administrative costs, attorney fees, and the class representative’s service award. The actual amount each claimant receives depends on the number of valid claims filed and the deductions approved by the Court for administration and legal fees.
Last Updated: January 21, 2026
Disclaimer: This article provides general information about the Toyota $889,525 TCPA Class Action Settlement and should not be considered legal advice.
Take action now: If you received unwanted text messages from Toyota of North Miami after opting out, file your claim by April 9, 2026 to secure your share of the settlement fund.
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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.
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