If you’ve used a Cash App in the past few years and recently received a strange email or text about a legal settlement, you’re not alone. Thousands of users are wondering: is this Cash App settlement real — and am I actually eligible to receive money?
The answer is yes. Cash App has agreed to pay $12.5 million to settle a class action lawsuit that accused the company of sending unsolicited marketing texts to users, allegedly violating the Telephone Consumer Protection Act (TCPA). If you received one of these messages, you could be entitled to a payout as part of the 2025 Cash App TCPA Settlement.
In this article, we’ll break down everything you need to know about the current Cash App settlement — without legal jargon, without hype, and without wasting your time.
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What the Cash App TCPA Settlement Means for Users
Over the years, Cash App has grown into one of the most popular peer-to-peer payment apps in the United States. With millions of users, the platform has changed how people send and receive money, pay bills, or even invest — much like how the Upside app rewards users for everyday spending.
But with popularity comes legal scrutiny.
The Cash App settlement refers to one or more legal claims or class action lawsuits that were filed against Cash App’s parent company — Block, Inc. (formerly Square Inc.) — for alleged violations of user rights. These claims vary depending on the lawsuit, but typically involve:
- Unsolicited marketing texts or robocalls
- Misuse of customer data
- Unauthorized account freezes or holds
- Lack of adequate fraud protection
If the company agrees to a financial settlement, a lump sum of money is typically set aside to compensate users who were affected.
Why Is There a Cash App Lawsuit?
There isn’t just one lawsuit — there have been several over the years. However, the most notable recent case involves alleged violations of the Telephone Consumer Protection Act (TCPA).
Plaintiffs claimed that Cash App (or its representatives) sent marketing texts or robocalls to users without proper consent. Under U.S. law, that’s a big deal — and expensive. Companies found guilty of such violations often end up paying millions in settlements.
In some previous settlements, Cash App (or third parties acting on its behalf) denied wrongdoing but agreed to pay users to settle the case out of court.
Who Is Eligible for the Cash App TCPA Settlement?
Eligibility always depends on the specific terms of the settlement. In most cases, you may qualify if:
- You received an unwanted text or call from Cash App between specific dates
- You were a registered user during the time of the violation
- You file a claim before the deadline
Typically, if you’re eligible, you would have received a notice — by mail, email, or even text message — guiding you to a claims website.
Important: You do not have to be a current user to claim the settlement. Even former users may qualify depending on the timeframe of the lawsuit.
How Much Money Can You Get?
The total settlement fund is $12.5 million.
Payouts depend on how many people submit valid claims. According to the official estimates:
- If around 2 million eligible people file a claim, each person could receive between $88 and $147.
- If fewer people apply, the payout could be higher.
- However, this case does not offer $300 to $500 payouts — that figure is not supported by the official data.
- The amount you receive will be distributed pro rata, meaning it’s split fairly among all approved claims.
- In most cases, you won’t need to show proof — but if you have evidence of specific damages, like extra bank charges or blocked funds due to the text, you might be eligible for a higher individual award (though this is not guaranteed).
This settlement applies only to Washington State residents who received a Cash App referral text between November 14, 2019 and the settlement cutoff date.
How to Claim Your Cash App Settlement
If you received a notice about the settlement, it will likely include a unique claim number or link to a secure settlement website.
The process usually involves:
- Filling out an online form
- Providing basic proof (such as your email, phone number, or old Cash App account ID)
- Choosing your payment method (Direct Deposit, PayPal, Venmo, or even a mailed check)
No login credentials or passwords are required. If a site asks for your full login — it may be a scam.
How to Spot Cash App Settlement Scams
Unfortunately, scammers love to take advantage of real settlements. Here’s how to stay safe:
- Only trust official claim websites. These are usually hosted on domains ending in .com or .org with a dedicated settlement name.
- Never share your Cash App PIN or password. No real settlement site will ask for that.
- Avoid unofficial YouTube or TikTok links claiming “free Cash App money” — they’re almost always scams.
- If in doubt, visit the FTC’s website or contact Cash App support directly.
What If You Missed the Deadline?
Most settlements have a strict deadline, and if you miss it, you may lose your right to claim any money.
However, new settlements can arise as fresh lawsuits are filed. Even if you missed a previous one, stay alert for future ones.
Is Cash App Safe to Use in 2025?
The short answer is: yes, but with caution.
Cash App has added more fraud prevention tools, better customer support options, and clearer policies in recent years. But like any app handling money, your safety depends on how carefully you use it.
- Enable two-factor authentication
- Avoid suspicious links or Cash App “giveaway” claims
- Regularly monitor your transaction history
- Use customer support through the official app only
Final Thoughts
If you’ve received notice of a Cash App settlement, it doesn’t mean you’ve done anything wrong. It simply means you may be entitled to compensation due to actions taken by the company or its partners.
Filing a claim is usually quick and free. And while the payout might not be life-changing, it’s still your right as a consumer.
So if you think you’re eligible, don’t ignore it. Small wins like this are part of holding big tech companies accountable — and protecting user rights in the digital age.
Want to stay informed?
Watch out for similar class-action settlements involving apps, banks, and fintech platforms. If you’ve ever received spam texts or had your account locked without cause, there’s a chance you could be owed money — even without a lawyer.
You can also check out this detailed article covering the Cash App settlement details:
👉 ClaimDepot – Cash App TCPA Settlement Overview
FAQs About the Cash App Settlement
What is the Cash App Settlement actually about?
The Cash App settlement refers to a legal resolution involving allegations that users received unauthorized marketing or promotional text messages without giving proper consent. The settlement aims to compensate affected individuals without requiring them to prove direct harm.
Am I eligible to receive a payout?
If you received unwanted or unsolicited texts from Cash App (or its parent company Square, Inc.) during the period covered by the lawsuit, you might be eligible. Eligibility usually depends on your phone number appearing in the defendant’s records during that time.
How much money can I expect to receive?
The final payout amount depends on how many valid claims are submitted. While some reports mention figures between $10–$50 per person, this is not guaranteed and could vary. It’s a good idea to check the official settlement website or email notices for updates.
Do I need a lawyer to file a claim?
No, you don’t need a lawyer to submit your claim. The process is designed to be simple and accessible. You can usually file online or by mail with basic information like your name, contact number, and claim ID (if applicable).
Will this affect my current Cash App account or balance?
Not at all. Participating in a class action settlement like this one has no impact on your Cash App account, balance, or future use. You’re simply claiming compensation for past issues — there’s no penalty or restriction on your account.
Disclaimer:
This article is for educational and informational purposes only. It does not constitute legal advice or financial guidance. Readers are encouraged to verify all information independently and consult a qualified professional before making any decisions related to legal claims or class action settlements.