Goldco $2M Unwanted Text Message Class Action Lawsuit Settlement Claims, Eligibility, and $2M Payout Details 2026

If you received unsolicited text messages from Goldco after asking them to stop, you are likely eligible for a cash payment from a $2 million class action settlement. As of January 2026, the official claims process is open for consumers to recover damages for alleged violations of the Telephone Consumer Protection Act (TCPA).

The Goldco $2M Settlement: At a Glance

The Goldco settlement resolves a legal dispute in the U.S. District Court for the Western District of Wisconsin, where plaintiffs alleged the company sent marketing texts to phone numbers after being asked to “STOP.” While Goldco denies any wrongdoing, they have established a $2 million fund to pay eligible claimants and settle the litigation.

Where Is the Official Settlement Website?

The only authorized portal to file your claim, view court documents, or check your eligibility is www.GoldcoTCPASettlement.com. Avoid third-party sites requesting sensitive banking information; the official administrator will never ask for your social security number or credit card details to file a claim.

What Is the Deadline to File a Claim?

You must act quickly to secure your payment. The court has set the following critical deadlines for 2026:

• Claim Submission Deadline: April 10, 2026
• Exclusion (Opt-Out) Deadline: February 25, 2026
• Objection Deadline: February 25, 2026
• Final Approval Hearing: Scheduled for Spring 2026

Who Is Eligible to File a Claim?

The “Settlement Class” includes any person in the United States who received a marketing text message from Goldco Direct LLC (or on their behalf) after having requested that Goldco stop sending such messages. This specifically targets “opt-out” violations, where the company ignored a consumer’s request to be placed on an internal do-not-call list.

What You Must Know About the Claims Process

Navigating a TCPA class action settlement involves specific rules that can affect your payout. Under 47 U.S.C. § 227, the law provides strict protections against automated marketing, but you must prove you fall within the class definition to benefit from this $2 million fund.

Estimated Payout Amounts

The final check amount depends entirely on how many valid claims are submitted by the April 10, 2026 deadline. After administrative costs and legal fees are paid, the remaining fund will be distributed “pro-rata” (equally) among all claimants. Based on similar text-spam settlements, individual payouts are currently estimated to be between $40 and $150.

Proof and Documentation Requirements

When you visit the Goldco settlement website, you will need to provide the phone number that received the unwanted texts. While you may not need to upload every screenshot, it is vital to keep:

• Text Logs: Evidence showing the date of the message and your “STOP” request.
• Carrier Statements: Records confirming you were the subscriber of the phone number during the class period.
• Claimant ID: If you received a notice via mail or email, use the unique ID provided to expedite your claim.

Recent Legal Shifts (2025–2026)

This settlement arrives following the 2025 FCC ruling that tightened the “One-to-One” consent rule. This legal update ensures that companies cannot use broad, “hidden” consent obtained through third-party websites to justify text blasts. The Goldco case reinforces that once a consumer revokes consent, the messages must cease immediately.

What to Do Next: Your Action Plan

If you believe you are a victim of Goldco’s unsolicited texting, follow these steps before the window closes in April 2026.

1. Visit the Official Portal

Go to www.GoldcoTCPASettlement.com and click on the “Submit a Claim” tab. You can complete the entire process digitally in less than five minutes. Ensure your contact information is accurate, as checks will be mailed to the address provided on the form.

2. Check for Your Unique Notice

Search your inbox for “Goldco Settlement.” If the settlement administrator, Kroll Settlement Administration, identified you through Goldco’s records, they likely sent you a notice containing a pre-filled Claim ID. Using this ID is the most reliable way to ensure your claim is approved.

3. Track the Final Approval

The court will hold a Final Fairness Hearing to officially authorize the payments. If approved, and assuming no appeals are filed, payments are typically distributed within 60 to 90 days of the final order. Stay updated by monitoring the class action settlement procedures page for general timelines.

FAQs About the Goldco Settlement

How do I know if I’m officially in the class?

If you received a text from Goldco after asking them to stop, you are likely included. You can verify your status by entering your phone number on the official www.GoldcoTCPASettlement.com website.

What happens if I miss the April 10 deadline?

If you fail to submit your claim by April 10, 2026, you will receive $0 from the settlement. Furthermore, you will lose the right to sue Goldco for these specific text messages in the future.

Can I get more money if I sue Goldco individually?

Technically, the TCPA allows for statutory damages of up to $500 per message. However, individual lawsuits are expensive and time-consuming. You may want to consult our guide on telemarketing violations before deciding to opt out.

Is there a cost to file a claim?

No. It is completely free to file a claim. If a website asks you for a “filing fee,” it is a scam and should be reported to the FCC immediately.

When will I receive my check?

If the settlement receives final approval in Spring 2026, claimants can expect to receive their funds by Summer 2026.

What if my phone number has changed?

You can still file a claim for the number you held at the time the texts were received. You will just need to provide proof (such as an old bill) that the number belonged to you during that period.

Last Updated: January 31, 2026

Disclaimer: This information is for educational purposes only and does not constitute legal advice or a guarantee of settlement payment.

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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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