Text message settlement payouts in 2025 and 2026 have ranged from under $100 to nearly $4,000 per person, with the biggest money coming out of cases against Sirius XM, Cash App, QuoteWizard, Kaiser Permanente, and Zales. If you got unsolicited marketing texts or telemarketing calls from one of these companies, you may be entitled to a check, but each case has its own eligibility window, claim deadline, and payment method.
Settlements Paying Out Now
Cash App (Block, Inc.) — $394.36 Per Claimant
Block agreed to pay $12.5 million to settle Bottoms v. Block, a case alleging that Cash App’s “Invite Friends” feature helped users blast referral texts to their contacts without consent.1Payments Dive. Block Agrees to $12.5M Settlement in Cash App Spam Text Case The class covers Washington residents who received a Cash App referral text between November 14, 2019, and August 7, 2025, without giving clear advance consent.2BottomsTextSettlement.com. Bottoms v. Block Settlement FAQs
Judge Marsha J. Pechman granted final approval on December 2, 2025.3BottomsTextSettlement.com. Bottoms v. Block Settlement Home The notice had estimated $88 to $147 per person, but because far fewer people claimed than expected, each approved claimant received $394.36 when payments began in February 2026.4ClaimDepot. Bottoms Text Settlement Payment By April 2026, failed digital payments and returned checks had been reissued.
Sirius XM — $28 Million Fund
The largest recent text and call settlement is Campbell v. Sirius XM Radio, filed in the Central District of Illinois.5ClassAction.org. Campbell v. Sirius XM Radio Settlement Notice You qualify if you received more than one solicitation call from Sirius XM in any 12-month period between April 27, 2019, and October 31, 2025, and were either on the National Do Not Call Registry for at least 31 days or had asked to be placed on Sirius XM’s own internal do-not-call list.
The fund is non-reversionary, so unclaimed money does not go back to the company. The claim deadline was March 21, 2026, with a final approval hearing on May 11, 2026.6The Hill. SiriusXM Agrees to $28 Million Settlement
QuoteWizard — $19 Million, No Claim Form Required
Mantha v. QuoteWizard.com settled claims that the LendingTree subsidiary sent telemarketing texts through a third-party service called Drips to numbers on the National Do Not Call Registry.7QuoteWizard Litigation. Mantha v. QuoteWizard Settlement FAQs Unlike most settlements, this one identifies eligible class members from company records and pays them automatically unless they opt out. Estimated payments were about $76 for the first two qualifying texts and $38 for each additional one. The case was terminated on September 29, 2025, with distributions planned in two phases through early 2026.
Kaiser Permanente — Up to $75 Per Text
Kaiser Foundation Health Plan agreed to a $10.5 million settlement in Fried v. Kaiser Foundation Health Plan, which alleged the company kept sending marketing texts to people who had already replied “STOP.”8ClassAction.org. $10.5M Settlement Ends Kaiser Permanente Class Action The class covers anyone in the U.S. who received more than one text from Kaiser in any 12-month period between January 21, 2021, and August 20, 2025, after opting out. Payments reached up to $75 per qualifying text and were distributed on March 16, 2026, after final approval on January 28, 2026.9Kaiser TCPA Settlement. Kaiser TCPA and FTSA Settlement
Zales — Up to $100 Per Claimant
In Miller v. Zale Delaware, the jewelry retailer agreed to pay $7,548,300 to settle claims that it sent promotional texts to people on the National Do Not Call Registry.10ClassAction.org. $7.5M+ Zales Settlement Ends Class Action Eligible claimants could receive up to $100. The claim deadline was October 27, 2025, with a final approval hearing on November 17, 2025.11Top Class Actions. $7.54M Zales TCPA Class Action Settlement
Why Actual Checks Often Beat the Estimate
The notice almost always lowballs. Settlement funds are divided among the people who actually file, and participation rates in consumer class actions are typically low. Cash App is a clean example: the notice projected $88 to $147, and the final check was $394.36 because the claim rate was far below what the administrator planned for. If you qualify and file, your share tends to grow as other eligible people ignore their notice.
How to File a Claim
The process looks the same across these cases. You receive a notice by mail, email, or sometimes text, identifying the case and pointing you to an official settlement website. On that site you complete a claim form, enter the phone number that received the texts or calls, attest that you qualify, and pick a payment method such as a mailed check, direct deposit, or a digital option like Venmo or PayPal.
Deadlines are firm. Miss the claim date and you lose the payout, and in most settlements you also give up your right to sue separately over the same conduct unless you formally opted out during the exclusion window.
How to Tell a Real Notice From a Scam
The volume of legitimate settlement notices has given cover to scammers running fake versions. The Federal Trade Commission advises against clicking any link in an unexpected text or email about a settlement.12FTC. How to Recognize and Report Spam Text Messages Search the case name instead and go directly to the official website, then confirm the case number on your notice matches the one listed there.
Red flags include requests for a Social Security number or bank credentials beyond what a routine payout needs, demands for an upfront fee, and pressure to act within hours. Real settlements never charge you to file.13AARP. Class Action Settlement Notice Suspicious texts can be forwarded to 7726 (SPAM), and scams can be reported at ReportFraud.ftc.gov.
The Law That Puts Money in These Checks
Most of these cases run on the federal Telephone Consumer Protection Act, which lets consumers recover $500 per unsolicited call or text, tripled to $1,500 if the conduct was willful.14FCC. TCPA Rules The statute covers automated dialing systems, prerecorded messages, and marketing contact with numbers on the National Do Not Call Registry. Companies also have to maintain internal do-not-call lists and honor opt-out requests within 30 days.
Some states add their own layer. Washington’s Commercial Electronic Mail Act flatly prohibits commercial texts to Washington phone numbers and treats violations as unfair business practices, which is the law that drove the Cash App case.15Washington State Legislature. RCW 19.190.060 Florida’s Telephone Solicitation Act has its own opt-out timing rules and anchored part of the Kaiser case. These state statutes matter because they can expand who qualifies: a Washington resident who got a Cash App referral text had a claim even though a federal TCPA claim might have been harder to prove.
More Cases Are Coming
New TCPA lawsuits filed in 2026 target Victoria’s Secret Pink, Temu, and Ruggable, among others, over alleged after-hours or excessive marketing texts.16ClassAction.org. Telephone Consumer Protection Act Lawsuits Other recent resolutions include Albertsons at $5.95 million and American Income Life Insurance at $14 million. If you receive repeated marketing texts from a company after replying STOP, or calls despite being on the Do Not Call Registry, save the messages. Those records are what claim administrators later ask for.