Cash App Class Action Lawsuit Settlement Deadline PASSED, Two Major Payouts Coming in 2025 – Are You Eligible for Up to $2,500?
Federal court approved a $12.5 million Cash App settlement on December 3, 2025, joining a previously approved $15 million data breach settlement from January 2025. Combined, these settlements total nearly $28 million for affected Cash App users. While claim deadlines have passed for both settlements, millions of users who filed claims are now awaiting payments expected throughout 2025.
Two separate Cash App settlements are now distributing payments:
- $15 million data breach settlement: Final approval granted January 13, 2025. Claim deadline passed November 18, 2024. Payments up to $2,500 expected by late 2025.
- $12.5 million spam text settlement: Final approval granted December 2, 2025. Claim deadline passed October 27, 2025. Payments between $88-$147 beginning per court order.
If you filed a claim before the deadlines, you’re on the payment list. This guide explains both settlements, eligibility requirements, payment timelines, and how to track your compensation.
What Is the Cash App Data Breach Settlement?
The $15 million settlement benefits current and former Cash App customers whose account and personal information was obtained without consent or who experienced fraudulent withdrawals or transfers between August 23, 2018, and August 20, 2024.
According to the class action lawsuit, Cash App failed to protect consumers from two data breaches in 2022 and 2023. The 2022 incident involved a former employee who accessed Cash App Investing accounts without authorization. The 2023 breach allowed unauthorized users to access accounts through recycled phone numbers linked to those accounts.
Block Inc., Cash App’s parent company, denied wrongdoing but agreed to the settlement to resolve the litigation.
Case Details:
- Settlement amount: $15 million
- Court: Northern District Court of California
- Claim deadline: November 18, 2024 (CLOSED)
- Final approval date: January 13, 2025
- Payment timeline: Late 2025
- Official website: CashAppSecuritySettlement.com
What Is the Cash App Spam Text Settlement?
The lawsuit alleges that Block violated Washington law by substantially assisting its users to transmit unsolicited commercial text messages to their contacts residing in Washington through Cash App’s Invite Friends referral program.
The settlement class includes individuals who received a Cash App referral program text message between November 14, 2019 and August 7, 2025, were Washington residents at the time, and did not clearly and affirmatively consent in advance.
An example text read: “Hey! I’ve been using Cash App to send money and spend using the Cash Card. Try it using my code and you’ll get $5.”
Case Details:
- Case name: Bottoms v. Block, Inc.
- Case number: 2:23-cv-01969-MJP
- Court: United States District Court for the Western District of Washington
- Settlement amount: $12.5 million
- Claim deadline: October 27, 2025 (CLOSED)
- Final approval date: December 2, 2025
- Payment timeline: Per settlement agreement terms
- Official website: BottomsTextSettlement.com
- Expected payout per person: $88 to $147
Who Was Eligible for the Data Breach Settlement?
You were eligible if you met these criteria:
Basic Eligibility:
- Current or former Cash App or Cash App Investing customer
- Used the service between August 23, 2018, and August 20, 2024
- Personal information was accessed without consent, OR
- Experienced unauthorized/fraudulent withdrawals or transfers, OR
- Had account deficiencies related to the data breaches
You did NOT need to:
- Experience financial loss (basic payments available without documented losses)
- Still have an active Cash App account
- Be aware a breach occurred
Who Was Eligible for the Spam Text Settlement?
You are a member of the Settlement Class if you received a Cash App referral program text message between November 14, 2019 and August 7, 2025, were a Washington resident at the time you received the text message, and you did not clearly and affirmatively consent in advance.
Eligibility Requirements:
- Received unsolicited Cash App “Invite Friends” referral text
- Washington state resident when you received the message
- Received message between November 14, 2019, and August 7, 2025
- Did not provide clear, affirmative consent
Block’s data indicates that Cash App users sent referral program texts to approximately 1,975,187 Washington phone numbers.
How Much Compensation Are Claimants Receiving?
Data Breach Settlement Payments
Class members can receive up to $2,500 for documented losses related to the data breaches, including credit costs, bank fees, travel expenses and up to three hours of lost time compensated at a rate of $25 per hour.
Payment Categories:
1. Out-of-Pocket Losses (up to $2,500):
- Late payment or overdraft fees not refunded
- Credit monitoring or identity theft protection costs
- Credit report or credit freeze expenses
- Payment card replacement costs
- Bank account closure/reopening costs
- Professional fees (accountant, lawyer)
- Postal or travel expenses
2. Lost Time (up to $75):
- $25 per hour for up to 3 hours
- Time spent addressing breach-related issues
- Account recovery efforts
- Dispute resolution time
3. Transaction Losses:
- Direct reimbursement for fraudulent transactions
- Requires documentation (police reports, account statements)
Note: If the settlement fund is insufficient to pay all approved claims in full, payments will be reduced proportionally.
Spam Text Settlement Payments
Court documents estimate that Cash App settlement payouts will be between $88 and $147 per person, though the final amount will depend on the total number of valid claims that are filed.
Each person filing a claim is expected to receive $88-$147, based on an estimate of no more than 5% of the 1,975,187 class members in Washington submitting valid claims.
Payment Distribution:
- Equal share of the net settlement fund (after attorney fees and costs)
- Attorney fees: $3.1 million approved
- Class representative award: $10,000
- Remaining funds: Approximately $8.7 million for claimants
When Will Payments Be Issued?
Data Breach Settlement Payment Timeline
The court gave final approval to the settlement on January 13, 2025. Although there is still no exact date for payments, they are expected to be processed throughout 2025.
Electronic payments will start on April 10, 2025, and checks will be mailed by April 20, 2025 according to some reports, though official confirmation from the settlement administrator is pending.
Factors Affecting Payment Speed:
- Payment method selected (direct deposit faster than checks)
- Claims verification process completion
- Potential appeals (none reported as of December 2025)
- Settlement administrator processing time
Spam Text Settlement Payment Timeline
On December 2, 2025, the Court entered the Final Approval of Class Action Settlement. Distribution of payments to Settlement Class Members will begin in accordance with the Settlement Agreement.
Payments will be distributed according to the settlement terms now that final approval is granted.
How to Track Your Settlement Payment Status
If you filed a claim before the deadline, you can check your status:
For Data Breach Settlement:
Official Settlement Website: CashAppSecuritySettlement.com
Contact Methods:
- Phone: 866-615-9740
- Email: [email protected]
- Mail: Cash App Security Settlement Administrator, 1650 Arch Street, Suite 2210, Philadelphia, PA 19103
What You’ll Need:
- Claim ID and confirmation code
- Email or phone number used to file claim
For Spam Text Settlement:
Official Settlement Website: BottomsTextSettlement.com
Settlement Administrator: Postlethwaite & Netterville (contact information available on official website)
Update Your Information: If your contact or payment information changed since filing, update it immediately through the settlement website to ensure you receive payment.
What Documentation Was Required?
Data Breach Settlement
For Basic Payment:
- No documentation required
- Simply filing a valid claim form qualified you
For Enhanced Payments (out-of-pocket losses or transaction losses):
- Receipts for expenses
- Bank statements showing fraudulent transactions
- Credit monitoring invoices
- Credit reports
- Financial documents
- Police reports (for transaction losses)
- Account statements
- Bills or invoices
For Lost Time Claims:
- Description of time spent resolving issues
- Documentation of communications with Cash App
- Records of account recovery efforts
Spam Text Settlement
- No documentation typically required
- Claim form confirmation of receiving unsolicited texts
- Washington state residency during the relevant period
What Were the Legal Violations?
Data Breach Settlement Claims
The class action alleged Cash App and Block Inc.:
- Failed to implement adequate data security measures
- Allowed unauthorized employee access to sensitive customer data
- Failed to protect against unauthorized access via recycled phone numbers
- Mishandled customer complaints about security breaches
- Did not install proper controls to block unauthorized users
- Negligently responded to data breach incidents
Spam Text Settlement Claims
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.
Plaintiffs in the case say Cash App incentivized its users to send pre-filled text messages to their contacts without obtaining the recipients’ consent.
Settlement Terms and Court Approval
Data Breach Settlement Agreement
Approval Status: The court gave final approval to the settlement on January 13, 2025.
Settlement Terms:
- $15 million total fund
- Attorney fees and administrative costs deducted first
- Remaining funds distributed to approved claimants
- Payment methods: direct deposit or check
- No admission of wrongdoing by Cash App or Block Inc.
Claims Statistics: Over 667,000 claims were filed; approximately 40,380 claims have been approved for payment totaling $5.6 million. Many claims were denied as improper, fraudulent, or ineligible.
Spam Text Settlement Agreement
Approval Status: A federal court on Tuesday approved a $12.5 million class action lawsuit settlement between Cash App parent Block and Washington consumers who received unsolicited text messages on December 3, 2025.
U.S. District Judge John Chun in Seattle deemed the settlement “fair, reasonable, and adequate and in the best interests of the Settlement Class,” and dismissed the case.
Settlement Terms:
- $12.5 million total fund
- Attorney fees of $3.1 million awarded from the settlement, with the class representative awarded $10,000
- Remaining $8.7 million for claimants
- Equal pro-rata distribution to approved claimants
- No admission of wrongdoing by Block Inc.
What Happens If You Didn’t File a Claim?
Unfortunately, if you missed the claim deadlines, you cannot receive settlement payments:
- Data breach settlement: Claim deadline was November 18, 2024
- Spam text settlement: Claim deadline was October 27, 2025
You Also Cannot:
- File a new claim now
- Sue Cash App individually for the same issues covered by the settlement
- Reopen the settlement period
Exception: If you opted out of the settlement before the exclusion deadline, you retained the right to pursue individual legal action.
How Cash App Settlement Affects Your Rights
If You Filed a Claim:
- You receive compensation per the settlement terms
- You release Cash App and Block Inc. from further liability for the claims covered
- You cannot file a separate lawsuit for the same issues
- You participate in the class action resolution
If You Opted Out:
- You receive no settlement payment
- You retain the right to pursue individual legal action
- You are not bound by the settlement agreement
If You Did Nothing:
- You receive no payment
- You still cannot sue for the issues covered by the settlement
- The settlement binds all class members who did not opt out
Avoiding Settlement Scams
Official Websites ONLY:
- Data breach: CashAppSecuritySettlement.com
- Spam text: BottomsTextSettlement.com
Red Flags:
- Emails asking for payment to process your claim
- Requests for Social Security numbers (not typically required)
- Suspicious links from unknown senders
- Promises of guaranteed amounts without filing a claim
- Phone calls demanding immediate action or payment
Safety Tips:
- Type official website URLs directly into your browser
- Contact settlement administrators only through official channels
- Never pay fees to receive settlement money
- Verify any emails against official settlement websites
- Check spam folders for legitimate notices (but verify through official websites)
Similar Fintech Class Action Settlements
Cash App is not alone in facing class action litigation over security and privacy issues:
Recent Fintech Settlements:
- PayPal data breach settlements
- Venmo unauthorized transaction claims
- Zelle fraud protection disputes
- Various fintech TCPA (spam text) violations
- Capital One data breach settlements
These cases establish important precedents for user data protection, security obligations, and consumer rights in digital payment platforms.
Frequently Asked Questions
Q: Can I still file a claim for the Cash App settlements?
No. The claim deadline passed on November 18, 2024, for the data breach settlement and October 27, 2025, for the spam text settlement.
Q: When will I receive my payment if I filed a claim?
Data breach settlement payments are expected throughout late 2025. Spam text settlement payments will begin following the December 2, 2025 final approval.
Q: How much will I receive?
Data breach settlement: up to $2,500 depending on documented losses. Spam text settlement: estimated $88-$147 per person.
Q: Do I need receipts to receive payment?
For basic data breach payments, no. For enhanced payments claiming out-of-pocket losses, yes. Spam text settlement typically requires no documentation.
Q: Is this settlement legitimate?
Yes. Both settlements received court approval (data breach on January 13, 2025; spam text on December 2, 2025) and are administered through official court-approved websites.
Q: Will Cash App close my account if I filed a claim?
No. Filing a claim does not affect your current Cash App account status or ability to use the service.
Q: What if my contact information changed since I filed?
Update your information immediately through the official settlement websites to ensure you receive payment.
Q: Can I track my claim status?
Yes. Contact the settlement administrators through official channels with your claim ID and confirmation code.
Q: Were all claims approved?
No. Many claims were reviewed as improper, fraudulent, or were denied as ineligible in the data breach settlement.
Q: What if there’s an appeal?
As of December 2025, no appeals have been reported for either settlement. Final approval has been granted for both.
Q: Do I pay taxes on settlement payments?
Consult a tax professional. Settlement payments for actual losses are typically not taxable, but payments for other damages may be. You may receive a 1099 form.
What This Means for Cash App Users
These settlements represent significant accountability for fintech platforms regarding:
Data Security Obligations:
- Companies must implement adequate security controls
- Employee access to customer data must be restricted and monitored
- Third-party unauthorized access prevention is required
- Customer complaints about security issues must be properly addressed
Marketing Compliance:
- Referral programs must obtain clear consent before sending texts
- State consumer protection laws apply to fintech marketing
- CEMA and similar state laws restrict unsolicited commercial messages
- Companies cannot facilitate spam even through user referral programs
Consumer Rights:
- Users have legal recourse for data breaches and security failures
- Class actions provide collective remedy for widespread harm
- Settlements can provide compensation even without individual lawsuits
- Fintech companies face real financial consequences for violations
Key Takeaways
If You Filed a Claim:
- Your payment is coming in late 2025
- Keep your contact information updated
- Monitor the official settlement websites for updates
- Direct deposit recipients receive payments faster than check recipients
- Be patient as claims verification takes time
If You Missed the Deadline:
- You cannot file a new claim
- You cannot receive settlement payments
- You are still bound by the settlement (cannot sue separately)
- Monitor your Cash App account for future security issues
Going Forward:
- Enable security features on Cash App (two-factor authentication, PIN)
- Monitor account statements regularly for unauthorized activity
- Report suspicious activity immediately
- Consider credit monitoring services
- Keep records of all fintech account activity
Additional Resources
Official Settlement Websites:
- Data Breach: CashAppSecuritySettlement.com
- Spam Text: BottomsTextSettlement.com
Contact Information:
- Data Breach Administrator: 866-615-9740
- Administrator Email: [email protected]
For Legal Advice: This article provides general information only. For specific legal advice about your situation, consult a licensed attorney in your jurisdiction
Last Updated: December 6, 2025
Sources: Court documents from Bottoms v. Block, Inc. (Case No. 2:23-cv-01969-MJP), Cash App Security Settlement official websites, Payments Dive coverage, Top Class Actions reporting, and official court approval orders from January 13, 2025 and December 2, 2025.
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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