MoneyLion class action alleges unsolicited referral text messages violate Washington law

MoneyLion class action lawsuit overview:

• Who: A Washington consumer filed a class action lawsuit against MoneyLion Technologies Inc. and MoneyLion Inc.
• Why: The plaintiff claims the financial technology company violated state law by sending unsolicited text messages to consumers in Washington.
• Where: The MoneyLion class action lawsuit was filed in Washington state court.

A Washington consumer claims in a new class action lawsuit that MoneyLion violated state law by sending unsolicited text messages to consumers in the state.

Plaintiff Cabrina Murphy’s class action lawsuit alleges MoneyLion sent the unsolicited text messages to consumers in Washington in an effort to attract new customers to its platform.

Murphy claims MoneyLion’s referral program, which compensates existing users who refer friends and contacts to the company, violates the Consumer Electronic Mail Act (CEMA) by sending the unsolicited text messages without obtaining the recipient’s consent.

“Plaintiff received a commercial electronic text message (‘Referral Text Message’) with a referral link to sign up for MoneyLion from her friend, an existing MoneyLion user,” the MoneyLion class action lawsuit says. “She did not consent to receive that message.”

MoneyLion allegedly knows its referral messages are sent without consent

Murphy claims MoneyLion’s referral program assists in the transmission of electronic commercial text messages to Washington residents who have not provided clear and affirmative consent to receive them.

The plaintiff argues MoneyLion violates CEMA by allowing users to send referral messages without any intervening consent verification step, and by encouraging users to send multiple text messages at once to maximize referral compensation.

“MoneyLion knew or had reason to know that its commercial referral messages would be transmitted by text message to Washington residents without consent,” the MoneyLion class action lawsuit says. “Alternatively, MoneyLion consciously avoids knowing whether users send referral text messages without obtaining recipients’ clear and affirmative consent in advance to receive these messages.”

Murphy wants to represent a class of Washington residents who received MoneyLion’s allegedly illegal spam texts. She demands a jury trial and requests an award of statutory damages for each illegal text as well as attorney fees and costs and an injunction to end the allegedly illegal practices.

Last year, another financial technology company, Chime Financial, faced a class action lawsuit alleging it violated Washington state law by sending unsolicited text messages through a “refer a friend” program used to attract new customers.

Have you ever received an unsolicited text message from MoneyLion? Let us know in the comments.

The plaintiff is represented by Kaleigh N. Boyd of McNaul Ebel PLLC, Edwin J. Kilpela Jr. of Wade Kilpela Slade LLP and Evan E. North of North Law PLLC.

The MoneyLion class action lawsuit is Murphy v. MoneyLion Technologies Inc., et al., Case No. 2:26-cv-01308, in the Superior Court of Washington for King County.

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