In 2025, a class action settlement involving Cash App, a mobile payment service, gained significant attention. Block Inc., the parent company of Cash App, has agreed to a $12.5 million settlement due to allegations that the company sent unsolicited promotional and referral messages to consumers without their consent. If you are a Washington resident who received these messages, you could be entitled to compensation.
In this article, we’ll walk you through everything you need to know about the settlement, who is eligible, how much you could receive, and the process of filing your claim.
Background to the Settlement
The case, known as Bottoms v. Block Inc., revolved around Cash App’s use of an automated system to send promotional messages, including referral texts, to phone numbers that had never consented to receiving such messages. From November 14, 2019, to August 7, 2025, many Washington residents received these messages, which violated privacy and consumer protection laws.
Table of Contents
The allegations were that Cash App, through its automated system, sent these unsolicited messages to consumers, a practice that violates Washington state laws regarding privacy and consumer protection. These laws ensure that consumers’ personal information is not used for marketing purposes without their explicit consent.
While Block Inc. denied any wrongdoing, the company opted to settle to avoid a lengthy legal battle and further costs. The settlement provides an opportunity for affected customers to receive financial compensation for the unsolicited texts they received.
What Will You Receive from the Settlement?
Eligible Washington residents who were affected by these unsolicited referral messages from Cash App can expect a payout. According to the official settlement details, compensation amounts will range from $88 to $147. The exact amount you receive will depend on the total number of valid claims filed and how the total settlement fund is distributed among all eligible participants.
If only a few people file claims, the amount paid to each claimant may increase, potentially reaching the maximum $147. However, if the claims are widespread and many people file, the payout may be proportionally lower.
The table below outlines the expected compensation details:
| Description | Details |
|---|---|
| Settlement Amount | $12.5 Million |
| Compensation Range | $88 – $147 per eligible claimant |
| Payment Method | Direct deposit or paper check |
| Claim Deadline | October 27, 2025 |
| Expected Payment Period | After court approval and claim processing |
The compensation is designed to provide financial relief to those affected by the unsolicited messages, while also sending a message about the importance of consumer consent in the digital space.
Who is Eligible to Receive Compensation?
To be eligible for the settlement, you must meet certain criteria. The settlement applies specifically to Washington residents who received unsolicited promotional messages from Cash App between November 14, 2019, and August 7, 2025. The eligibility requirements are as follows:
- You must have received unsolicited referral or promotional messages from Cash App during the eligible period.
- You are the primary user of the phone number to which the unsolicited messages were sent.
- You must not have consented to receiving these promotional messages prior to receiving them.
- Even if you no longer have the phone number or the account that received the messages, you are still eligible to claim as long as you meet the other criteria.
If you received these texts and meet the eligibility requirements, you can file a claim for compensation. The deadline to submit claims is October 27, 2025. Be sure to file before this date to ensure you receive compensation.
How to Submit a Claim for the Settlement
Filing a claim for the Cash App class action settlement is a straightforward process. Eligible individuals can submit their claims online or by mail. The instructions are as follows:
Online Claim Submission:
- Visit the official settlement website at BottomsTextSettlement.com.
- Enter your information, including your name, phone number, and account details.
- Confirm your eligibility by completing the online form.
- After submitting the form, you will receive a confirmation message. It is important to save this message for future reference.
Mail-In Claim Submission:
- If you are unable to submit the claim online, you can download the claim form from the settlement website.
- Complete the form and mail it to the Settlement Administrator in Baton Rouge, Louisiana.
- For further assistance or questions, you can contact the settlement administrator via email at info@BottomsTextSettlement.com.
Both online and mail-in claims require you to confirm that you are the primary user of the phone number and that you did not consent to receive promotional texts from Cash App.
Payment Process: How You Will Receive Your Compensation
Eligible users will receive compensation through either direct deposit or a paper check. This ensures that everyone, regardless of their technical proficiency, can receive their payout.
- Direct Deposit: For those who prefer an electronic transfer, payments will be deposited directly into your bank account.
- Paper Check: If you opt for a paper check, the check will be mailed to the address you provided during the claim submission process.
Once the claims are processed and the court approves the settlement, payments are expected to be distributed in accordance with the information provided during the claims process.
Why Is This Settlement Important?
The $12.5 million Cash App class action settlement is more than just about compensating users for unsolicited promotional messages. It highlights the growing importance of digital privacy and consumer rights in the age of mobile payments and apps.
As mobile payment systems become an integral part of daily life, consumers must be more vigilant about protecting their personal information and ensuring that their consent is obtained before receiving promotional content. This settlement serves as a reminder to businesses that they must obtain explicit consent before using consumers’ personal data for marketing purposes.
By settling this lawsuit, Block Inc. also shows that the company acknowledges the importance of consumer privacy and intends to comply with the laws that protect it. This case sends a clear message that violating consumer rights can have significant legal and financial consequences.
What Consumers Can Learn from This Case
This case provides several key lessons for consumers:
- Always Monitor Your Consent: Pay attention to whether you consent to receiving promotional messages, especially when signing up for new apps or services.
- Stay Informed About Your Rights: Know that you are entitled to privacy and that unauthorized messages or calls are illegal.
- File Claims Promptly: If you are eligible for compensation, make sure to file your claim before the deadline to ensure you receive your fair share.
- Protect Your Personal Information: Be cautious about who you share your phone number and other personal details with, and always check app permissions before accepting them.
Consumers should be proactive in managing their digital privacy and stay vigilant about their rights regarding marketing messages.
Conclusion: The Importance of Digital Privacy and Consent
The $12.5 million Cash App class action settlement is a significant step forward in protecting consumers’ privacy rights. While the compensation amounts may not be life-changing, the case sets an important precedent in the fight for transparency and consumer consent in the digital world.
By taking legal action, affected Washington residents are not just reclaiming lost compensation but also sending a message to companies that privacy violations will not go unchecked. As consumers continue to engage with mobile apps and payment systems, this case serves as a reminder to always be vigilant about consent and privacy in the digital age.
FAQs
Who is eligible for the Cash App settlement?
Washington residents who received unsolicited referral texts from Cash App between November 14, 2019, and August 7, 2025, are eligible for the settlement.
How much money can I receive?
Eligible customers can receive between $88 and $147, depending on the number of valid claims filed and the distribution of the settlement fund.
How do I file a claim?
You can file a claim online at BottomsTextSettlement.com or by downloading the claim form and mailing it to the settlement administrator.
What is the deadline to submit a claim?
All claims must be submitted by October 27, 2025.
How will I receive my compensation?
Payments will be made either via direct deposit or paper check, depending on the preference you selected when filing your claim.
