You Said STOP and They Kept Texting — March 2026 TCPA Update

TCPA Spam Text Lawsuit March 2026 Update Replied STOP Still Getting Texts

Published: March 22, 2026

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If you replied STOP to a company's text messages and they kept texting you anyway, 2026 has been a busy year for TCPA enforcement — with massive settlements paying out, new types of claims emerging, and a federal court ruling that could significantly reshape the legal landscape. Here is everything that has happened this month and what it means if you are still getting spam texts from a company that is ignoring your opt-out.

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The Biggest TCPA Settlements So Far in 2026

The first quarter of 2026 has already produced some of the largest spam text and robocall settlements of the year. These cases show that courts are taking TCPA violations seriously — and that companies are paying real money when they ignore consumers' opt-out requests.

SiriusXM agreed to a $28 million TCPA class action settlement to resolve claims it made unsolicited telemarketing calls to consumers who had registered their phone numbers with the National Do Not Call Registry or had asked to be placed on SiriusXM's internal do-not-call list. The settlement covers consumers who received more than one telemarketing call from SiriusXM within any 12-month period between April 27, 2019 and October 31, 2025, despite being on the do-not-call list. The claim deadline was March 21, 2026 — if you missed it, the window has closed, but the final approval hearing is May 11, 2026 and approved claimants will receive payments after that.

Kaiser Permanente agreed to a $10.5 million TCPA and Florida Telephone Solicitation Act settlement over allegations that Kaiser continued sending marketing texts to consumers after they replied STOP. The settlement covered consumers who received more than one promotional text from Kaiser in any 12-month period between January 2021 and August 2025 after opting out. The claim deadline was February 12, 2026. Final approval was granted January 28, 2026, and settlement payments were distributed to claimants on March 16, 2026.

These are just the two largest from this quarter. In the past 12 months alone, TCPA settlements have also included Momentum Solar ($30M), Keller Williams ($40M), QuoteWizard ($19M), American Income Life Insurance ($14M), Zales ($7.5M), Albertsons ($5.95M), and dozens of others ranging from $1M to $5M. The message is clear: companies that ignore STOP requests and violate the TCPA are paying for it.

New in 2026: TCPA Quiet Hours Violations

A new wave of TCPA lawsuits is targeting companies that send promotional texts during "quiet hours" — before 8 AM or after 9 PM local time. The TCPA prohibits telemarketing communications during these restricted hours, and attorneys are now actively investigating companies that blast marketing texts early in the morning or late at night.

One case making headlines involves a women's clothing retailer that allegedly sent eight promotional texts to a consumer between April and November 2023, all during quiet hours. If the violations are found to be willful, statutory damages in that case alone could reach $12,000. The case is ongoing and no liability has been determined.

If you are getting promotional texts from a real, identifiable company before 8 AM or after 9 PM, that is a separate TCPA violation on top of any opt-out violation — and you should be screenshotting those messages immediately. The timestamp matters. Make sure your phone displays the time on your text screenshots.

A Court Ruling That Could Change TCPA Text Claims

On March 3, 2026, a federal judge in the Northern District of Ohio ruled that the TCPA's Do-Not-Call provisions do not apply to text messages because texts are not "calls" within the plain language of the statute. The case is Stockdale v. Skymount Property Group, LLC, 2026 WL 591842 (N.D. Ohio Mar. 3, 2026).

This ruling does not kill TCPA text claims entirely — it specifically applies to the Do-Not-Call registry provision, not to claims about sending texts without consent or ignoring opt-out requests under other sections of the TCPA. But it is part of a growing trend. Multiple courts in the Eleventh Circuit have also found no private right of action for DNC text claims, and a Florida federal court stayed discovery in a similar case pending the same question.

What this means for you: if your claim is based on a company texting you after you replied STOP (an opt-out violation under the consent provisions of the TCPA), your claim is still on solid legal ground. If your claim is based purely on receiving texts while being on the Do-Not-Call Registry (without any prior relationship or opt-out), the legal landscape is shifting and may depend on which court handles your case.

This is a developing area of law, and it makes it even more important to act now if you have a strong opt-out claim with screenshot evidence. The strongest TCPA cases are the ones where you can clearly show: you had a relationship with the company, you said STOP, and they kept texting.

How Much Are Your Spam Texts Worth Right Now?

The TCPA still provides the same statutory damages it always has. Each unauthorized text after your opt-out is worth $500 in standard damages and up to $1,500 per text if the company knowingly or willfully continued texting you after your STOP. These are statutory damages — you do not need to prove you lost money. The violation itself is the harm.

To put it in perspective: if a company sent you 10 promotional texts after you replied STOP, that is $5,000 to $15,000 in potential damages. Twenty texts after STOP could mean $10,000 to $30,000. Many people who actually scroll back through their text history find more post-STOP marketing messages than they expected.

What You Need to File a TCPA Spam Text Claim

The requirements have not changed. To pursue a TCPA claim for texts received after saying STOP, you need: the texts must be from a real, legitimate, identifiable business (not random scam numbers or phishing attempts), you must have replied STOP or a similar opt-out keyword (Unsubscribe, Cancel, Opt Out, End, Quit), you must have received at least two promotional or marketing texts after your opt-out, and you must have screenshots showing your STOP reply and the marketing texts that followed.

No screenshots means no case. An attorney cannot evaluate your claim without visual proof. Take screenshots now if you have not already. Scroll back through your text history — the evidence may already be on your phone.

Political texts, scam texts from unknown numbers, phishing messages, and transactional texts (shipping confirmations, appointment reminders, verification codes) are not covered by this investigation.

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What Companies Are People Reporting Right Now?

TCPA attorneys report that the most common types of companies still ignoring STOP requests in early 2026 include retail and e-commerce brands sending sale notifications, restaurant and food delivery services pushing promotions, subscription services (streaming, wellness, beauty boxes), insurance companies soliciting quotes, car dealerships and auto service centers, real estate and mortgage companies, fitness and gym chains, and health and dental providers.

If you recognize your situation in that list — you told a real company to stop and they did not — your texts may be worth reviewing.

TCPA Settlements Still Open for Claims Right Now

Several TCPA settlements are currently accepting claims or awaiting final approval. If you qualify for any of these, file before the deadline.

AbleTo Prerecorded Voicemail TCPA Settlement -- $23 per person, no proof required. Covers current or former Aetna members who received prerecorded voicemails from AbleTo on their cell phone between September 29, 2019 and February 3, 2026. AbleTo is a virtual mental health company partnered with Aetna. Claim deadline: June 3, 2026. Final approval hearing: July 28, 2026.

Gen Digital (Norton/LifeLock) TCPA Settlement -- $9.95 million fund, estimated $200 to $625 per person. Covers people who received prerecorded voice calls regarding a LifeLock or Norton account on their cell phone between February 19, 2021 and October 30, 2025, and were NOT a customer of LifeLock or Norton at the time. Claim deadline: April 13, 2026. Final approval hearing: July 14, 2026.

NRS Pay (National Retail Solutions) TCPA Settlement -- Up to $6.5 million fund, up to $135 per person. Covers people who received ringless voicemails from NRS Pay on their cell phone between January 8, 2020 and the date of final approval. NRS Pay provides point-of-sale systems to independent merchants. Claim deadline: April 14, 2026. Final approval hearing: June 30, 2026.

SiriusXM TCPA Settlement -- $28 million fund. The claim deadline was March 21, 2026 (now closed). If you already filed a claim, the final approval hearing is May 11, 2026 and payments will be distributed after approval and any appeals.

Kaiser Permanente TCPA/FTSA Settlement -- $10.5 million fund. The claim deadline was February 12, 2026 (now closed). Final approval was granted January 28, 2026. Settlement payments were distributed to claimants on March 16, 2026.

If none of these settlements apply to your situation but you are still getting spam texts from a legitimate company after saying STOP, you may have an individual TCPA claim worth $500 to $1,500 per text. Those claims are separate from class action settlements and can be pursued through an attorney at any time within the four-year statute of limitations.

Upload Your Screenshots for a Free Case Review

If you have screenshots of at least two marketing texts from a legitimate company sent after you replied STOP, you can submit them for a free case evaluation. There is no cost and no obligation. TCPA attorneys work on contingency — they only get paid if you get paid.

For the full breakdown of what qualifies, what screenshots you need, and how the process works, see our complete guide: Replied STOP But Still Getting Spam Texts? Full TCPA Guide.

How Do I Find Class Action Settlements?

Find all the latest class actions you can qualify for by getting notified of new lawsuits as soon as they are open to claims:

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Sources

• TCPA Blog — Ohio Federal Court Rules DNC Provision Doesn't Permit Text Message Lawsuits (March 2026)
• ConsumerAffairs — Class Action Settlement News
• FCC: Robocalls and Telemarketing
• 47 U.S.C. Section 227: Telephone Consumer Protection Act

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