Block, the company behind Cash App, agreed on July 8 to pay $45 million to 46 states, and attorneys general say the deal also protects the refunds Cash App owes its customers under a federal order. That order, issued by the Consumer Financial Protection Bureau in January 2025, requires at least $75 million in redress to consumers and says the total could reach $120 million.
What the 46 states announced
California Attorney General Rob Bonta’s office said Block “left its customers high and dry when things went wrong.” The California press release lists the allegations: misleading users about Cash App’s safety and failing to deliver the fraud protection and resolution services it promised. California’s share of the $45 million is $2.9 million.
Oregon and Texas led the investigation, Payments Dive reported. The states also pointed to the “Cash App Fridays” promotion, which asked users to post their $cashtag for a weekly prize and let scammers contact winners and ask for login details. Block called the case a “legacy matter” and cited investments in consumer protection and customer service.
The reader question is plain: is a Cash App refund coming, and is the money safe? People who disputed unauthorized Cash App transactions between July 1, 2019 and January 16, 2025 are the group the federal order covers, according to Open Class Actions. Block picks them from its own records, so there is no claim form to file.
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The $45 million was not the only Cash App state deal that week. Payments Dive reported that on July 7, Cash App agreed to pay Washington $20 million to resolve a 2020 investigation into at least $22 million in pandemic-era unemployment benefits that moved through Cash App accounts after fraudulent applications. Hawaii, Missouri, South Carolina and Wyoming were not listed among the 46 states in the multistate deal.
Why the states call it a backstop
The multistate agreement requires Block to honor the refund terms of the January 2025 order. California’s release says the states see that as a safety net in case the Trump administration ends the federal settlement. Payments Dive noted that the CFPB under Acting Director Russell Vought has canceled several settlements, including some where restitution had not been paid.
The states went further. Payments Dive reported that if Block fails to pay the restitution, the obligation would be absorbed into Oregon’s settlement and enforced by the multistate executive committee. That means the refund promise now rests on two agreements instead of one.
The CFPB’s own enforcement page still lists the Block case as post-order, and it does not say the order has been terminated. The page was last updated Jan. 24, 2025. It also sets a $55 million civil penalty on top of the redress, which is where the $175 million headline figure from January 2025 comes from.
Where the refund checks stand
Open Class Actions reports that Cash App emails headed “Compensation Payment from Cash App is on the Way” went out in early June 2026, and that checks began mailing on June 8. The administrator is Epiq Global, retained by Block. Each check carries its own dollar amount, because per-person figures have not been published.
The covered window is the roughly five and a half years from July 1, 2019 through the order date, January 16, 2025. Anyone who disputed an unauthorized Cash App charge in that stretch and never heard back from Block about a refund is the person most likely to find an envelope from Epiq in the mail.
There is no deadline to file, since nothing needs to be filed. The same report says Cash App’s notice asks customers to deposit the check promptly when it arrives, and it gives no void date for the check. It also reports no count of how many checks have gone out or been cashed, and no total paid so far.
For a lost check or a changed address, the CFPB page lists Block’s contact routes for redress questions: 1-888-488-1181 by phone, [email protected] by email, or Cash App MSC 210, 1955 Broadway, Suite 600, Oakland, CA 94612 by mail. Typing an official address into the browser beats clicking a link in an unexpected text, and the report says the program never asks for a fee, a Cash App PIN or a sign-in code.
What the state deal changes for Cash App users
The $45 million goes to the states, and neither the California release nor Payments Dive describes it as a pool for individual refunds. The practical changes are service rules. The agreement requires a human on the phone at least 13.5 hours a day and live chat open at least 18 hours a day, plus support that can resolve fraud complaints and account lockouts, according to California’s release.
It also calls for an end to marketing practices known to increase fraud, consumer education on common scams, and reimbursement of unauthorized transactions as the law requires. California’s release does not say whether a court has approved the agreement, and Payments Dive said each state filed it in its own court. The refund checks do not wait on that approval.
Did the Cash App refund check reach the right mailbox?
A mailed refund check can be lost, sent to an old address or cashed too late, and nobody on Cash App’s side has published a void date. With a federal order and 46 states now behind the same promise, the dollars are still easy to lose to plain paperwork.
The Settlement & Refund Recovery System includes a claim log and payment tracker, so the Cash App check, the date it arrived and the date it was deposited sit in one place. It also explains how to get an expired or uncashed settlement check reissued, which is the step that matters if the envelope never shows up.
Get the Cash App refund check log and payment tracker →
This article was produced with AI assistance and edited for accuracy against the sources linked above.
