Published
September 15, 2025
A running look at the biggest TCPA robocall and spam-text settlements of 2024–2025 — which are still accepting claims, what they paid, and what the law says about unwanted calls and texts.
Why TCPA Class Actions Surged in 2024 and 2025
Courts saw a sharp rise in TCPA filings in 2024 that continued in 2025. Reports show that class actions make up most TCPA cases this year, with first quarter 2025 filings more than double the same period in 2024. Plaintiffs target prerecorded voice calls, wrong number outreach, Do Not Call violations, and referral or marketing texts without valid consent. See Sources for details.Notable TCPA Settlements 2024 to 2025
Citibank TCPA Settlement$29.5 million fund for calls using an artificial or prerecorded voice to cell numbers not assigned to a Citibank customer, within a defined period. Class closed.
Source: Head v. Citibank N.A. Settlement Site
Assurance IQ TCPA Settlement
$21.875 million fund for calls using an artificial or prerecorded voice without proper consent over 2018 to 2024. Final approval entered in 2024.
Sources: Settlement Site | Firm Notice
Freedom Financial Network Settlement
About $9.7 million for alleged telemarketing calls. Final approval in February 2024.
Robinhood Referral Texts Settlement
$9 million for referral texts sent to Washington residents without required consent. Claims window in 2024. Separate data breach matters exist but are different claims.
Sources: Settlement Site
Zales Texting Settlement
$7.54 million over alleged unsolicited text messages to numbers on the Do Not Call Registry. Claims deadline in October 2025. Final approval hearing set for November 2025.
Albertsons and Safeway Text Message Settlement
$5.95 million for alleged unsolicited texts after stop requests. Claim deadline September 10, 2025. Estimated awards around $100 per valid claim.
Cash App Referral Texts in Washington
$12.5 million fund for referral texts to Washington residents within a defined period. Estimated awards in the double digits per claimant based on claims volume.
Free settlement alerts
Get notified when new class actions open to claims
Join thousands of readers who get the latest class action settlements you may qualify for — delivered straight to your inbox.
Common Allegations in Recent Cases
• Prerecorded or artificial voice calls to cell phones without valid consent
• Robotexts to numbers on the National Do Not Call Registry
• Outreach to wrong numbers or reassigned numbers
• Referral or friend invite texts sent without required authorization
• Failure to honor stop requests or opt out choices
Quick Guide to TCPA Basics
The TCPA is a federal law that restricts certain telemarketing calls, texts, and prerecorded or artificial voice messages. It generally requires prior express consent, and for many marketing calls or texts it requires prior express written consent. The statute sets statutory damages of $500 per violation. Willful or knowing violations can allow higher damages. Actual outcomes depend on the facts of each case.Open Class Action Claim Examples
If a settlement is still accepting claims, potential awards and deadlines vary by case. Examples in 2025 include Zales texts and Albertsons or Safeway texts. See the Sources section for official sites and current dates.What is the TCPA and how does it protect me
The Telephone Consumer Protection Act limits telemarketing calls, robotexts, and prerecorded voice messages and sets consent rules for marketing outreach.
Are prerecorded voicemail messages without consent illegal
Yes, many prerecorded or artificial voice messages to cell phones require prior express consent and marketing usually requires written consent.
How much is a TCPA violation worth per call or text
Statutory damages are typically $500 per call or text and up to $1,500 per willful or knowing violation.
Can I sue for repeated robocalls to my cell phone
You may have a claim if you received autodialed or prerecorded calls without valid consent or after you asked the caller to stop.
How do I know if I am part of a TCPA class action
Check the official settlement website for the case and search by your phone number or submit a claim if you meet the class definition.
What evidence should I save for a TCPA claim
Keep call logs, screenshots, voicemail audio files, opt out texts, and notes with dates, times, and caller IDs.
Do wrong number robocalls violate the TCPA
Calls to reassigned or wrong numbers can trigger liability if made without valid consent from the current subscriber.
Does joining the Do Not Call Registry help
Yes, the National Do Not Call Registry supports claims for unwanted sales calls made after your number has been registered for 31 days.
How do I stop spam texts that say Reply STOP
Reply STOP once, save the proof, and document any messages that continue to arrive after the opt out request.
Are ringless voicemails legal under the TCPA
Ringless voicemail drops can be treated as calls and may require consent depending on the content and device called.
What counts as prior express written consent for texts
A clear signed agreement that authorizes marketing texts to your number and discloses that automated technology may be used.
Do informational calls need consent
Non marketing informational calls may require consent to cell phones and must follow content and time restrictions.
Are political calls and texts covered by the TCPA
Political messages are not fully exempt and must follow calling time rules and consent rules for autodialed or prerecorded outreach to cell phones.
Do healthcare provider messages need consent
Some healthcare messages have narrow exemptions but still must follow identification, frequency, and opt out requirements.
Can businesses text me after I opt out
No, continued texts after a valid opt out can create liability and should stop within a reasonable time.
What is an autodialer under the TCPA after Facebook v Duguid
An autodialer generally requires use of a random or sequential number generator and courts look closely at how dialing systems actually work.
Do referral or friend invite texts violate the TCPA
Referral texts can raise TCPA issues if the sender controls the campaign and lacks proper consent from the recipient.
How many calls do I need for a TCPA case
Even a single unlawful call or text can be actionable though repeated violations increase potential damages.
What is the statute of limitations for TCPA claims
Many TCPA claims use a four year limitations period under federal law though some courts and states vary.
Are calls to my work or VoIP line covered
Calls to VoIP or work lines can be covered depending on the technology used, the content, and whether the number is charged per call.
Do business to business texts need consent
Marketing texts to cell phones used by employees generally need proper consent even if the message relates to a business product.
What is a typical TCPA class action payout
Payments vary by case size and claims rate and can range from tens of dollars to several hundred dollars per claimant.
What are common TCPA exemptions
Purely informational messages, certain emergency alerts, and some healthcare or financial notices may be exempt if strict rules are followed.
Are debt collection robocalls covered by the TCPA
Yes, collection calls that use prerecorded voices or autodialers to cell phones often require consent and must honor opt outs.
Do scam calls count for a TCPA claim
Scam callers are often hard to identify or collect from and consumer protection agencies may be the better route for relief.
Can I revoke consent to marketing texts at any time
Yes, you can revoke consent using any reasonable method including replying STOP and saving proof of your request.
What are calling time restrictions under the TCPA
Telemarketing calls are generally limited to 8 a.m. to 9 p.m. local time and must include identification and opt out disclosures.
Do insurance or car warranty calls violate the TCPA
Many insurance and warranty campaigns trigger TCPA liability when they use automated dialing or prerecorded voices without consent.
Are lead generators responsible for TCPA violations
Lead sellers and the advertisers that buy leads can both face liability when consent records are invalid or fabricated.
What is proof of consent in a TCPA case
Valid consent is shown by time stamped records that match your number and clearly authorize automated marketing to that number.
Does the Do Not Call rule apply to texts
Yes, marketing texts are treated as calls and contacting numbers on the Registry can create liability.
What is a reassigned number database and why it matters
Callers should check reassigned number tools to avoid calling people who never consented after a number changes hands.
Are opt in checkboxes on websites enough for consent
Only if the checkbox disclosures are clear, conspicuous, and state that automated technology may be used to contact you.
Can I get paid for unsolicited marketing faxes
Junk fax claims are covered by the TCPA and statutory damages may apply when sent without proper permission or required opt out notice.
How long do I have to submit a claim in a TCPA settlement
Each settlement sets its own claim deadline so check the official site for current dates and required documents.
What happens if I ignored past calls and did not save proof
You can still describe what happened but future claims are stronger if you save logs, screenshots, and voicemails.
Do charities and nonprofits have to follow the TCPA
Charitable organizations must still follow rules for autodialed or prerecorded calls to cell phones and honor opt out requests.
Are school alert robocalls allowed
Emergency and safety alerts have special allowances but must be limited in scope and content and include opt out options for non emergency notices.
Can my phone carrier or bank send authentication texts
One time passcodes and fraud alerts may be permitted but should be limited, free to the end user, and include simple opt out steps.
Sources
• JD Supra analysis of 2025 TCPA filings• TCPAworld filing trends April 2025 and JD Supra April 2025 follow up
• Duane Morris TCPA Class Action Review 2025
• Head v. Citibank N.A. settlement site
• Assurance IQ settlement site and firm announcement
For more open class actions keep scrolling below.
