Cash App Class Action Settlement in Washington: What You Need to Know

In a significant development for users of the popular mobile payment app, Cash App, a $12.5 million class action settlement has been reached over allegations that the company sent unsolicited commercial text messages to Washington residents through its “Invite Friends” referral program. This settlement is now open for claims by eligible individuals who received such messages between November 14, 2019, and August 7, 2025.

Understanding the Settlement

The lawsuit, known as Bottoms v. Block Inc., was filed by plaintiff Kimberly Bottoms in a federal court in Washington. The case alleged that Cash App violated Washington’s Commercial Electronic Mail Act (CEMA) and the Washington Consumer Protection Act (CPA) by sending promotional texts without obtaining clear and affirmative consent from recipients. These messages were typically sent via the “Invite Friends” feature, where existing users could send pre-filled referral messages to their contacts.

Block Inc., the parent company of Cash App, denies any wrongdoing but agreed to settle the case to avoid the burden and uncertainty of prolonged litigation. The settlement includes a total fund of $12.5 million, with an estimated payout of between $88 and $147 per eligible claimant.

Who Is Eligible?

To qualify for the settlement, individuals must meet the following criteria:

They received a Cash App referral program text message between November 14, 2019, and August 7, 2025.
They were a Washington state resident at the time they received the text message.
They did not clearly and affirmatively consent in advance to receive the messages.

An example of a qualifying message might include something like:

“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. FVRJ1PH https://cash.app/app/FVRJ1PH.”

These messages do not indicate that someone has sent or requested money from the recipient.

How Much Will You Receive?

The exact amount each claimant receives will depend on the number of valid claims submitted and the final deductions for administrative costs, attorneys’ fees, and service awards. The estimated payout range is $88 to $147 per person.

The settlement administrator will distribute payments equally among all class members who submit valid claims. If there are uncashed or undeliverable payments, the funds may be redistributed or donated to the Legal Foundation of Washington.

How to File a Claim

Eligible individuals can file a claim through the official settlement website: www.bottomstextsettlement.com.

Steps to Submit a Claim:

Gather Required Information:
Your phone number(s) where you received the Cash App referral text(s).
Confirmation that you were a Washington resident during the relevant period.
Attestation that you did not consent to receive the messages.
Access the Official Settlement Website:

Visit bottomstextsettlement.pnclassaction.com to complete the online claim form.
Submit Your Claim:
Online submissions must be completed by October 27, 2025, at 11:59 PM.
Mailed submissions must be postmarked by October 27, 2025.
Choose a Payment Method:

Options include PayPal, Venmo, Zelle, a virtual prepaid card, or a paper check.
Keep a Record of Your Submission:

Save your confirmation email or submission number as proof of filing.

Key Dates to Remember

Date	Event
October 27, 2025	Deadline to submit a claim or request exclusion.
October 27, 2025	Deadline to file an objection to the settlement.
December 2, 2025	Final approval hearing for the settlement.

If the court approves the settlement, payments are expected to begin in early 2026.

Can You Opt Out or Object?

You have the right to opt out of the settlement if you prefer to pursue your own legal action. To do so, you must submit an exclusion request by October 27, 2025.

Alternatively, you can file a written objection to the settlement terms, which will be considered at the final approval hearing. However, even if you object, you may still receive a payment if the settlement is approved.

What Happens Next?

After the final approval hearing on December 2, 2025, the settlement administrator will begin processing payments to approved claimants. The actual distribution date depends on factors such as the time required to resolve appeals and validate claims.

If the court does not approve the settlement, the case would proceed to litigation, and class members would not receive any payment under this agreement.

Why This Matters for Consumers

This settlement highlights the importance of consumer privacy rights in the digital age. It reinforces the idea that companies must obtain proper consent before sending commercial text messages, even through peer-to-peer referral systems.

It also serves as a reminder that users have the right to control who can send them promotional messages. For those affected, this settlement offers a chance to seek compensation for unwanted communications.

Frequently Asked Questions

Q: Do I need proof that I received the spam texts?

A: No, you don’t need to provide screenshots or other documentation. However, you must attest under penalty of perjury that you received the messages and meet all eligibility criteria.

Q: What if I received multiple spam texts from Cash App?

A: The settlement provides for an equal distribution to all valid claimants regardless of how many messages you received. You’ll receive one payment based on your valid claim.

Q: Can I file a claim if I no longer have the same phone number?

A: Yes, as long as you owned or regularly used the phone number when you received the spam texts and can provide that number on your claim form.

Q: Will filing a claim affect my Cash App account?

A: No. Filing a claim will not impact your ability to continue using Cash App services.

Conclusion

The $12.5 million Cash App class action settlement represents a significant step toward protecting consumer rights in the digital era. For eligible Washington residents, it offers a chance to receive compensation for unsolicited commercial text messages. If you believe you qualify, act quickly to file your claim before the October 27, 2025 deadline.

Stay updated with the latest news and ensure you don’t miss out on your share of the settlement.

Author: John Doe

Title/Role: Technology & Legal Correspondent

Credentials: With over a decade of experience covering tech and legal developments, John has reported on major class action settlements and consumer protection issues across the United States.

Profile Link: john-doe-legal-tech

Sources:

– Official Cash App Settlement Website

– U.S. District Court for the Western District of Washington

– Consumer Protection Laws in Washington State

Internal Links:

– Understanding Class Action Settlements

– How to File a Consumer Complaint

– Latest US Trending News

Schema Markup:

{
  "@context": "https://schema.org",
  "@type": "Article",
  "headline": "Cash App Class Action Settlement in Washington: What You Need to Know",
  "datePublished": "2025-10-07",
  "author": {
    "@type": "Person",
    "name": "John Doe"
  },
  "publisher": {
    "@type": "Organization",
    "name": "US Trending News",
    "logo": {
      "@type": "ImageObject",
      "url": "https://example.com/logo.png"
    }
  }
}

Alt Text for Images:

– [Cash App class action settlement Washington residents receiving referral texts]

– [Cash App class action settlement timeline dates]

– [Cash App class action settlement eligibility criteria]

– [Cash App class action settlement payout distribution]

– [Cash App class action settlement claim submission process]