Cash App Spam Text Lawsuit Settlement: Your Guide to the $12.5M TCPA Class Action

Cash App (Block, Inc.) agreed to a $12.5 million settlement to resolve claims that it sent unsolicited marketing text messages in violation of the Telephone Consumer Protection Act (TCPA). If you received promotional Cash App texts you never signed up for, you may be entitled to a cash payment — and more importantly, the same law that produced this settlement lets you sue any company that spams your phone.

What the Cash App Settlement Covers

The class action alleged that Cash App sent marketing texts to consumers who either never consented to receive them or who had asked the company to stop. Under the TCPA, both are violations. The settlement provides a common fund from which class members can claim a pro-rata cash payment after fees, costs, and administration.

Typical class definitions in cases like this include anyone in the United States who received a Cash App promotional text during the class period without prior express written consent, or after revoking consent. The exact dates and eligibility criteria are set in the settlement notice — always read that document before filing a claim.

How to Tell if You're Eligible

You received a marketing or promotional text from Cash App (short codes commonly used include those from Block/Square)
You never signed up to receive marketing texts, or you replied STOP and got more anyway
You were in the United States when the text was sent
The text was sent during the class period defined in the settlement notice

You do not need to have suffered financial harm. The TCPA compensates you for the intrusion itself.

How to Join the Class Action

Find the official settlement website. Class notices are mailed, emailed, or posted at a settlement-specific URL run by the court-approved administrator. Do not trust links from random search results — verify the URL matches the one in the court's approved notice.
Confirm you're a class member. Enter the identifying information the notice asks for (email, phone number, or claim ID from your notice).
Submit your claim before the deadline. Claim forms usually take 5 minutes. Payment is by check, PayPal, Venmo, or direct deposit depending on the settlement.
Decide whether to opt out. If you have a large individual case, you may want to opt out and sue separately. Talk to a TCPA attorney first — the deadline to opt out is usually earlier than the claim deadline.

How to Identify Illegal Texts Going Forward

Cash App is not the only company doing this. To spot a TCPA violation:

You never gave written consent. Consent to marketing texts must be in writing and specific to the sender — a checkbox at checkout on a different site does not count.
You replied STOP and they kept texting. Every subsequent text is a separate violation worth $500–$1,500.
The text is generic, mass-sent, and promotional — a coupon, sign-up bonus, referral push, or product promotion.
It comes from a short code or spoofed number and links to a shortened URL.
You never had an account with the sender, or your account was closed.

What the TCPA Actually Gives You

Beyond any single class settlement, the TCPA lets you recover:

$500 per illegal text for negligent violations
$1,500 per illegal text for willful violations — including every text sent after you replied STOP
An injunction ordering the company to stop
Attorneys' fees under fee-shifting arrangements, meaning most TCPA lawyers work on contingency

Fifty illegal texts at $1,500 each is $75,000 in statutory damages — from one company. See our step-by-step guide to filing a TCPA lawsuit for the full process.

Class Action vs. Individual Lawsuit

Joining a class like Cash App's is easy and passive — you fill out a form and wait for a check. But per-person payouts in large TCPA classes are often modest (typically $10 to a few hundred dollars) because the fund is split among hundreds of thousands of claimants.

An individual TCPA lawsuit — or being the class representative — can be worth far more if:

You received dozens or hundreds of texts
You explicitly told the sender to stop and they kept going
You saved every text as evidence

Consult a TCPA lawyer before the opt-out deadline to weigh both options for your situation.

Preserve Your Evidence

Whether you claim in the class or file your own case, save:

Screenshots of every text, including the sender's number or short code and the date/time
Any STOP replies you sent and later texts that followed
Notes on whether you ever had a Cash App account, and if so, whether you opted into marketing
The original class notice or email you received

How Javitch Law Can Help

Cash App is one of dozens of TCPA cases we track. If you're getting hammered by unsolicited texts — from Cash App or anyone else — we handle these cases on contingency, so you pay nothing unless we recover. Learn more about our TCPA practice or contact us for a free case review. Bring your screenshots and we'll tell you what your case is worth.

FAQ

Who qualifies for the Cash App spam text settlement?

Generally, U.S. consumers who received promotional Cash App texts during the class period without prior express written consent, or who received texts after replying STOP. Always confirm the exact eligibility criteria in the court-approved class notice.

How much will class members receive?

Per-person payouts in large TCPA class settlements typically range from $10 to a few hundred dollars, depending on how many valid claims are filed. Individuals with dozens of texts or STOP-request violations may recover far more by opting out and filing individually.

Should I opt out and file my own TCPA case instead?

Consider opting out if you received a large volume of texts, if you clearly told Cash App to stop and they kept messaging you, and if you saved screenshots of every message. Talk to a TCPA attorney before the opt-out deadline, which is usually earlier than the claim deadline.