The Cash App unsolicited text message settlement resolved a Washington state class action alleging that Cash App’s “Invite Friends” referral feature sent spam texts to nearly two million Washington phone numbers without recipients’ consent. Block, Inc., Cash App’s parent company, agreed to pay $12.5 million to settle the case, Bottoms v. Block, Inc., and approved claimants received $394.36 each beginning in February 2026.1Bottoms Text Settlement. Bottoms Text Settlement Homepage
Who Qualified for a Payment
The settlement class covered Washington residents who received a Cash App “Invite Friends” referral text between November 14, 2019, and August 7, 2025, and who had not clearly consented in advance to receive the message. Being a Cash App user did not automatically disqualify you; the question was whether you consented to that specific referral text. Each class member could file only one claim regardless of how many texts they received.2Bottoms Text Settlement. Bottoms v. Block Long Form Notice3ClaimDepot. Bottoms Text Settlement
The claim deadline was October 27, 2025. If you did not file by then, you cannot submit a claim now; the case is closed and the fund is being distributed to those who did.2Bottoms Text Settlement. Bottoms v. Block Long Form Notice
How Much Each Person Received
Every approved claim was paid $394.36. That figure came in well above the pre-filing estimates of $88 to $147 because fewer people submitted claims than lawyers had projected. The $12.5 million fund is a fixed amount, so a smaller claimant pool meant a bigger check for each person who filed.4ClassAction.org. $12.5M Cash App Settlement Aims to Resolve Lawsuit Over Alleged Invite Friends Spam Texts1Bottoms Text Settlement. Bottoms Text Settlement Homepage
The same fund also covered attorney fees (up to 25 percent, or $3,125,000), litigation expenses of about $41,133, settlement administration costs capped at $619,500, and a service award of up to $10,000 for the named plaintiff.5Bottoms Text Settlement. Bottoms Text Settlement FAQs6ClassAction.org. Bottoms v. Block, Inc. Settlement Agreement
When Payments Went Out and What to Do If Yours Never Arrived
The settlement administrator, Postlethwaite & Netterville, started issuing payments on February 2, 2026. Claimants chose between paper check, PayPal, Venmo, Zelle, or a virtual prepaid card. Any digital payments that failed and any checks that were returned were reissued as paper checks, most of which were expected to arrive by April 8, 2026.7ClaimDepot. Bottoms Text Settlement Payment1Bottoms Text Settlement. Bottoms Text Settlement Homepage
Paper checks are valid for 120 days from issue. The administrator is not required to send a check a third time after a first reissue. Any money left unclaimed after that window is redistributed proportionally among claimants who did cash their payments; if funds still remain after a second 120-day period, they go to the Legal Foundation of Washington.6ClassAction.org. Bottoms v. Block, Inc. Settlement Agreement
If you filed a claim and never received payment, contact the settlement administrator at info@BottomsTextSettlement.com or 1-877-540-7545.1Bottoms Text Settlement. Bottoms Text Settlement Homepage
What the Lawsuit Alleged
Cash App’s “Invite Friends” button generated a pre-filled text message with the user’s personalized referral link and a $5 sign-up offer, then sent it through the user’s phone to contacts. A typical message 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.” Recipients had no way to opt out before the text arrived.4ClassAction.org. $12.5M Cash App Settlement Aims to Resolve Lawsuit Over Alleged Invite Friends Spam Texts
Named plaintiff Kimberly Bottoms, a Washington resident, filed suit in November 2023, alleging she received multiple unsolicited referral texts, including at least one from someone she did not know. She called the messages “annoying and harassing.”8ClassAction.org. Bottoms v. Block, Inc. Class Action Complaint9Payments Dive. Block Agrees to $12.5M Settlement in Cash App Spam Text Case
The complaint claimed Block violated Washington’s Commercial Electronic Mail Act (CEMA), which prohibits providing “substantial assistance or support” in sending commercial texts to Washington residents without their clear advance consent. Bottoms argued Block did exactly that by building the tool, pre-composing the messages, pulling contact lists from users’ phones, and routing delivery. Block’s own data showed referral texts went to roughly 1,975,187 unique Washington phone numbers. Block denied any wrongdoing, and the parties reached a $12.5 million deal on June 30, 2025, following mediation. U.S. District Judge Marsha J. Pechman granted final approval on December 2, 2025.10Washington State Legislature. Chapter 19.190 RCW – Commercial Electronic Mail9Payments Dive. Block Agrees to $12.5M Settlement in Cash App Spam Text Case5Bottoms Text Settlement. Bottoms Text Settlement FAQs
This Is Not the CFPB Cash App Payout
If you are a Cash App customer expecting money over fraud or unauthorized transactions, that is a separate matter. In January 2025, the Consumer Financial Protection Bureau ordered Block to pay $175 million over Cash App’s handling of fraud disputes and customer service failures, which included between $75 million and $120 million in consumer redress plus a $55 million civil penalty. Affected Cash App users do not need to file a claim to receive redress under the CFPB order.11CFPB. CFPB Orders Operator of Cash App to Pay $175 Million and Fix Its Failures on Fraud12CFPB. CFPB Enforcement Action – Block, Inc. The Bottoms settlement is about referral texts sent to Washington residents, nothing else.