By Searches for the Venmo class action lawsuit 2026 usually lead to a privacy case filed against PayPal on September 1, 2026. The phrase also gets attached to an older fraud case, state settlements, and a federal order, which are different things. This guide separates each matter and answers the question most readers care about: can you claim money right now? As of this update, no verified Venmo settlement or claim form exists.
What Is the Venmo Class Action Lawsuit 2026?
Readers searching for the Venmo class action lawsuit 2026 are often looking for one of several legal matters involving Venmo or its parent company, PayPal. The major 2026 case is a proposed privacy class action, Borquez et al. v. PayPal, Inc. d/b/a Venmo. It is a private lawsuit, which is different from a government enforcement action or a settlement.
- Filed: September 1, 2026
- Court: U.S. District Court for the Northern District of California, San Jose Division
- Case number: 5:26-cv-09340
- Plaintiffs: Stacey Borquez, Remi Rundzio, Nathan Olson, and Lana Nava, all California residents
- Defendant: PayPal, Inc., doing business as Venmo
The case is at its earliest stage. Public reporting through October 28, 2026 shows no class certification, no settlement, and no admission by PayPal. Allegations in a complaint are not court findings, and no judge has decided that PayPal or Venmo broke any law.
New 2026 Venmo Privacy Lawsuit
The Venmo class action lawsuit 2026 centers on tracking software. The complaint alleges that PayPal built tools from two companies, mParticle and Kochava, into the Venmo app. According to the plaintiffs, that code sent identifying payment details to those companies without users’ knowledge, even for payments marked Private. Neither company is a defendant. The plaintiffs say this contradicted Venmo’s privacy statement, which says it does not disclose personal information to third parties for their marketing, and its help materials, which say private payments are shared only with the other participant and the sender’s feed.
The complaint asserts ten claims. For the proposed nationwide class, it cites the federal Electronic Communications Privacy Act, intrusion upon seclusion, unjust enrichment, and negligence tied to the Gramm-Leach-Bliley Act. For the proposed California subclass, it cites the California Invasion of Privacy Act (Sections 631 and 632), the California Comprehensive Computer Data Access and Fraud Act, the California Unfair Competition Law, the California Constitution’s privacy right, and negligence tied to the California Financial Information Privacy Act. The plaintiffs seek damages, restitution, an injunction, and attorneys’ fees. These are allegations only, and PayPal had not publicly responded in the reporting reviewed.
Who Is Covered by the Proposed Class?
The proposed class in the Venmo class action lawsuit 2026 is narrower than “everyone with an account.” The complaint describes a nationwide class of people in the United States who used Venmo, set their privacy to private or marked at least one transaction private, and whose personal information was allegedly disclosed to or intercepted by third parties. It excludes anyone who has already filed an arbitration demand against PayPal over the same conduct. A California subclass would apply the same conditions to California residents.
Having a Venmo account does not automatically make you a class member. A proposed class is a group the plaintiffs hope the judge will recognize. A certified class exists only after the court approves it under Federal Rule of Civil Procedure 23, and that has not happened. Arbitration also matters, and it is covered below.
What Information Was Allegedly Shared?
The complaint alleges the transmissions included the sender’s full name, email address, and phone number, along with device and tracking identifiers, including an Android Advertising ID and IDs assigned by mParticle and Kochava. It also alleges the recipient, payment amount, and payment note were sent. The plaintiffs argue this information is private because notes can reveal medical care, rent, or family details, and because Venmo promised private payments would stay private.
Three distinctions matter. What is alleged is not what is proven, because no court has confirmed what was sent or to whom. The complaint says tens of millions of users were affected, a figure no court has verified, so readers should not assume their own information was shared. And what Venmo’s privacy policies actually promise is itself disputed, since the plaintiffs say the policies overstated the protection users received.
Earlier Venmo Fraud Class Action
Al-Ramahi v. PayPal, Inc., Case No. 5:22-cv-03632, is a separate case from Borquez and should not be confused with the Venmo class action lawsuit 2026. Mohammad Al-Ramahi filed it in the Northern District of California on June 21, 2022, saying he lost $2,450 to fraud on Venmo in 2020 and PayPal refused to reimburse him. The complaint alleged an undisclosed policy of not reimbursing Venmo fraud losses and a failure to warn users of the risk. It cited the federal Electronic Fund Transfer Act and California consumer laws for a proposed nationwide class and California subclass.
Docket reports show the case was voluntarily dismissed and terminated on September 16, 2022. No class was certified, PayPal was not found liable, and no settlement was announced. Because it ended so early, no reliably documented ruling on PayPal’s defenses exists. Some websites describe it as still in discovery after a January 2025 ruling, but that conflicts with the docket reports reviewed here.
Venmo Regulatory Actions
Regulatory actions are brought by government agencies, not private plaintiffs, so they are not part of the Venmo class action lawsuit 2026. In February 2018, the Federal Trade Commission announced a settlement with PayPal over Venmo, alleging the service misled users about fund availability, privacy settings, and security claims, and violated Gramm-Leach-Bliley rules. The order required clearer disclosures, barred misrepresentations, and mandated biennial independent assessments for ten years. It carried no monetary penalty, so no consumers were paid.
Two states resolved cases with PayPal on December 22, 2025. Hawaii’s Office of Consumer Protection settled a lawsuit it filed in December 2022, and PayPal, which denied the claims, agreed to pay the office $6 million. New Hampshire’s Attorney General announced a $1.75 million settlement plus changes to Venmo’s Purchase Protection screens, privacy defaults at sign-up, scam warnings, and frozen-account information. Money paid to a state government is not a class action payout, and neither announcement described a consumer claim form.
Is There a Venmo Class Action Settlement in 2026?
No verified Venmo class action settlement is open as of October 28, 2026. The privacy lawsuit has not settled and was filed less than two months ago. The earlier fraud case closed in 2022 without a settlement. No court-appointed settlement administrator, official claim form, claim deadline, or payout amount has been announced for either matter, so there is currently nothing to claim in the Venmo class action lawsuit 2026.
Venmo Class Action Payout
No official payout amount has been determined, and no per-person payment can be predicted, because no settlement has been approved. No claim deadline exists for an unapproved settlement. Be cautious about websites promising guaranteed Venmo payments or asking for fees or sensitive information to register. Real settlements notify class members through court-approved notice, and filing a claim is free. Until a judge approves a deal in the Venmo class action lawsuit 2026, any dollar figure is speculation.
Venmo Class Action Lawsuit 2026 Timeline
- February 27, 2018: The FTC announces its Venmo settlement with PayPal (finalized in 2018).
- June 21, 2022: Al-Ramahi fraud lawsuit filed; terminated September 16, 2022 after a voluntary dismissal.
- December 22, 2025: Hawaii ($6 million) and New Hampshire ($1.75 million) settlements are announced.
- July 22, 2026: PayPal emails users about updated terms, according to the Borquez complaint.
- August 24, 2026: The updated Venmo User Agreement takes effect.
- September 1, 2026: The Borquez privacy lawsuit is filed.
- October 28, 2026: No settlement, class certification, or officially scheduled court event is reported.
Venmo User Agreement and Arbitration
Venmo’s current user agreement, effective August 24, 2026, says most disputes will be resolved by arbitration on an individual basis. It also contains a class action waiver and a jury trial waiver. Arbitration is a private process decided by an arbitrator instead of a judge or jury. The agreement says users who do not accept changes must close their accounts before the changes take effect.
The Borquez complaint calls the new terms unconscionable, meaning so one-sided that a court should refuse to enforce them. It alleges the update requires handwritten signatures on dispute notices, stretches the informal resolution period from 45 to 60 days, limits mass arbitration to 50 cases at a time, reaches back to earlier disputes, and drops PayPal’s earlier promise to pay arbitration fees on claims of $10,000 or less. Whether you personally must arbitrate depends on the agreement you accepted and your circumstances, so no article can answer that for you. The Venmo class action lawsuit 2026 may turn first on whether a court enforces this clause.
Venmo Class Action vs Individual Consumer Dispute
Here is how these terms differ:
- Class action lawsuit: one case brought by named plaintiffs on behalf of a larger group.
- Individual lawsuit: a case covering only one person’s claims.
- Arbitration: a private proceeding, often required by user agreements, decided by an arbitrator.
- Consumer complaint: a report to a company, the FTC, or a state attorney general.
- Regulatory enforcement: a government agency suing or negotiating with a company.
- Settlement: an agreement that ends a case, which needs court approval in a class action.
Unauthorized transfers, scams, frozen accounts, failed reimbursements, or account restrictions do not automatically make you part of a class action. Those problems usually start with Venmo’s dispute process, and you can also report them to the FTC or your state attorney general. Keep screenshots, dates, and Venmo’s written responses. This is general information, not legal advice.
Frequently Asked Questions
1. Is there a Venmo class action lawsuit in 2026?
Yes, one proposed privacy class action, Borquez v. PayPal, was filed on September 1, 2026. No class has been certified, and there is no settlement.
2. What is the 2026 Venmo privacy lawsuit about?
It alleges PayPal embedded tracking software in Venmo that sent user and payment details, including some marked Private, to third parties. These are allegations only.
3. What is the Borquez v. PayPal lawsuit?
It is Case No. 5:26-cv-09340 in the Northern District of California. Four California plaintiffs seek to represent a nationwide class and a California subclass.
4. What is the Al-Ramahi v. PayPal lawsuit?
It was a 2022 proposed class action over unreimbursed Venmo fraud losses. Docket reports show it was voluntarily dismissed in September 2022.
5. Is there a Venmo class action settlement in 2026?
No verified settlement exists. The Hawaii and New Hampshire settlements paid governments, not consumers.
6. Can I file a Venmo class action claim?
Not at this time. No official claims process has been established for any Venmo class action.
7. How much is the Venmo class action payout?
No payout has been set. Any dollar figure you see online is speculation.
8. Is there a Venmo settlement claim form?
No official claim form exists. Avoid sites that claim otherwise.
9. Does Venmo have an arbitration agreement?
Yes. The user agreement effective August 24, 2026 includes individual arbitration, a class action waiver, and a jury trial waiver. The Borquez plaintiffs challenge its enforceability.
10. Is the Venmo lawsuit still active?
The Borquez case is pending at its early stage. The Al-Ramahi case is closed.
Key Takeaways
- The Venmo class action lawsuit 2026 centers on Borquez v. PayPal, a proposed privacy class action filed September 1, 2026.
- Its claims are allegations, and no class has been certified.
- Al-Ramahi was dismissed in 2022, and the FTC, Hawaii, and New Hampshire matters are government actions.
- No settlement, claim form, deadline, or payout exists, so beware of sites promising otherwise.