Is-it-too-late-to-file-a-claim-for-the-Cash-App-settlement

# Is it too late to file a claim for the Cash App settlement? ## 1. What is the Cash App settlement about? There are actually at least **two** notable class-action settlements involving Cash App (and its parent company Block, Inc.). It’s important to distinguish them because eligibility, deadlines, and claim amounts differ. ### a) Settlement re: data breaches / unauthorized access * This settlement covers users of Cash App or Cash App Investing who had accounts between **August 23, 2018** and **August 20, 2024**, and who experienced unauthorized access, fraudulent withdrawals/transfers, or data‐security incidents. ([CBS News][1]) * Under the terms, eligible claimants could receive up to **$2,500** for out-of-pocket losses, plus up to $25/hour for up to 3 hours of “lost time” dealing with issues. ([upcatetonline.org][2]) * According to sources, the **claim deadline** for this settlement was **November 18, 2024**. ([The Verge][3]) * From the settlement site and commentary: “If you didn’t file by the deadline, you won’t be eligible.” ([settlemate.io][4]) ### b) Settlement re: unsolicited referral texts (Washington state) * This is a different class action: it involves allegations that Cash App sent unsolicited referral/spam texts to residents of Washington state between **November 14, 2019** and **August 7, 2025** (or similar date range) via its “Invite Friends” feature, without proper consent. ([The Southern Digest][5]) * The settlement amount is around **$12.5 million**; individual payments estimated between **$88 and $147** depending on number of claimants. ([The Economic Times][6]) * The claim deadline was **October 27, 2025** for this case. ([The Southern Digest][5]) --- ## 2. So, is it *too late*? The short answer: **Yes**, for many of the claims in these settlements if you did not file by the given deadline, you likely missed the opportunity. But with some nuance — so let’s unpack. ### Data-breach / unauthorized access settlement * The claim deadline: November 18, 2024. ([The Verge][3]) * After that date, official sources say: “If you didn’t file before the deadline, you won’t receive money.” ([settlemate.io][4]) * Therefore: If you were eligible under that settlement but did *not* submit a claim by November 18, 2024, you’re almost certainly **not** eligible now. ### Unsolicited text‐message settlement (Washington) * The claim deadline: October 27, 2025. ([The Southern Digest][5]) * If you live(d) in Washington state, received unsolicited referral texts from Cash App in the relevant period, and *didn’t file* by that date, then for *that* case you probably missed the window. * If today is after October 27, 2025 (which it is), then yes — unless there’s an extension (which I found no credible evidence of) — it’s too late for that particular claim. ### Important nuance: Different settlements = different deadlines * Because there are **multiple class actions** with different eligibility and deadlines, you must check **which** settlement your situation pertains to. * Just because you missed one doesn’t automatically mean *all* options are gone — but for *that one* you missed, yes you’re late. --- ## 3. What happens if you miss the deadline? If you miss the deadline, here’s what typically happens — and what you might still consider. ### a) You won’t receive a payment under that settlement * The class action administrator has to exclude late claims (because fairness criteria, court orders, etc.). For the data breach case: > “Unfortunately, the claim deadline has passed. … If you didn’t file before the deadline, you won’t receive any money.” ([settlemate.io][4]) * For the spam texting case: one article states “No action = No Payment.” ([The Point][7]) * So yes: Missing the deadline means you lose eligibility for *that specific settlement*. ### b) You remain bound by the class action * If you were part of the class (i.e., you fit the eligibility description), you are typically **bound** by the terms of the settlement even if you didn’t file a claim, unless you opted out. That means you generally give up the right to bring your own individual lawsuit on the same claims. For example: > “Even without compensation, you keep being part of the class unless you opted out. … that means you give up the right to sue separately.” ([settlemate.io][4]) * So missing the deadline can mean you lose both the payment *and* the ability to sue on that claim. ### c) Possibility of appeal or exceptions is very slim * Some articles suggest very limited “late claim” processes are sometimes allowed for truly exceptional cases, but these are rare and not guaranteed. For example: > “Those who missed the initial claim deadline may still get a chance through the appeal or late claim process. However, acceptance is not guaranteed.” ([shaktihitech.co.in][8]) * But note: that article appears to be less authoritative and might even be inaccurate. The official claim sites typically say “deadline is final.” * Unless you get explicit confirmation from the settlement administrator that late claims *may* be accepted (and you meet extraordinary circumstances), you should assume you missed the opportunity. --- ## 4. What you should check (and next steps) Even if you believe you missed a deadline, it is still worthwhile to check a few things to confirm and explore any leftover options. ### Check your eligibility and situation * Identify which class action(s) apply to *you*. Ask: * Did you have a Cash App (or Cash App Investing) account in the relevant period (e.g., Aug 2018–Aug 2024) and suffer unauthorized access or fraudulent transaction losses? * Or did you live in Washington state and receive unsolicited referral texts from Cash App in the texting case? * Do you have documentation (bank statements, transaction logs, screenshots, notices) of the loss or claimable event? * Did you already submit a claim (i.e., check your email, claim confirmation number, etc.)? * Look at the *official settlement website* for each case. For example, one for the data breach settlement is “cashappsecuritysettlement.com” — as referenced in news and settlement announcements. ([CBS News][1]) * Confirm what the actual deadline was for *your class*. Because sometimes deadlines differ by settlement, by type of loss, by state. ### If you think you did miss the deadline * Confirm the deadline was *final*. Many settlement notices make it clear: “Claims must be submitted by this date”. For example: “Claims must be submitted online by November 18 2024.” ([CBS News][1]) * Check whether you opted out or objected previously. If you opted out, you may still have right to sue individually (depending on your jurisdiction and claim). * Keep records anyway. Even if your claim failed, maintain documents of losses, relevant communications — if in the future you discover a related separate legal avenue or another class action, your documentation may help. ### If you believe you may still be eligible (or there might be a late‐file option) * Contact the settlement administrator: For the data breach settlement, the notice lists a phone number (1-866-615-9740) in the U.S. ([The Times of India][9]) * Review the “Important Documents” section of the settlement site to check if there’s any extension or information about late claims. One Reddit user noted the “fix claim” option disappeared, meaning processing is likely complete. ([Reddit][10]) * Consult a lawyer (especially if your losses were large). They can review whether you might pursue a separate individual claim (if you opted out) or other legal alternatives. ### Move forward in any case * Whether eligible or not, consider improving your account safety and monitoring: * Change passwords, enable two-factor authentication. * Watch for unauthorized transactions or identity‐theft signs. * If you weren’t eligible for the settlement, still stay aware of any related class actions or regulatory actions — sometimes multiple claims emerge. * Stay informed — class action deadlines often appear in legal publications; set alerts for similar future settlements. --- ## 5. Example scenarios (to illustrate) Here are a few hypothetical scenarios showing how “too late” plays out: ### Scenario 1 You had a Cash App account in 2020, and a fraudster made unauthorized withdrawals in 2022. You never submitted a claim by November 18, 2024. **Result**: For the data‐breach class action, you are too late. You likely cannot claim under that settlement, and you may have given up the right to sue individually unless you opted out (which you did not). ### Scenario 2 You live in Washington state. Between Nov 2019 and Aug 2025 you received unsolicited referral texts from Cash App without consent. You file a claim on October 20, 2025. **Result**: You met the deadline (Oct 27, 2025) for the texting‐based class action, so you should be eligible for that settlement (assuming you meet other eligibility details). Not too late. ### Scenario 3 You live outside Washington, and you did *not* receive unsolicited referral texts. But you had unauthorized access to your Cash App account in 2023. You discover the settlement in 2025 and attempt to claim. **Result**: For the data breach class action your deadline was Nov 18, 2024 — so you’re too late. For the texting settlement you are probably *not eligible* because you’re outside Washington or didn’t receive the texting event. --- ## 6. Why deadlines matter & why they’re strict It may feel unfair, but class actions and settlement procedures follow strict legal rules: * Courts approve settlements on behalf of a “class” of claimants. That class often sets a deadline by which claims must be filed so the administrator can quantify how many people will participate, calculate payouts, resolve objections, and finalize. * After the deadline, the administrator must finalize the list of claimants and compute each person’s share. Allowing late claims destabilizes the schedule and the fairness of the process. * The settlement agreement often states that if you do nothing (file no claim, no exclusion) you are bound by the settlement terms (i.e., you give up right to sue individually) but you just don’t get money. That is why it’s important to submit a claim by the deadline if you are eligible. --- ## 7. Final thoughts * If you **missed the deadline** for *your applicable settlement*, then yes — it is **too late** in most cases, and you will likely *not* receive any payment under that settlement. * If you are **unsure** which settlement applies to you, or whether you filed a claim (or whether you filed *correctly*), it’s worth verifying. * If you **did meet the deadline**, follow up: check the settlement website, your claim status, keep an eye on communications. * Always read class action notices when they arrive (or if you receive mailed notice) so you don’t miss deadlines in the future.