Burger King Credit Card Receipt Lawsuit Filed over Exposed Card Numbers

A Florida man filed a Burger King credit card receipt lawsuit, alleging that a receipt from the fast food chain violated FACTA requriements.

According to the Burger King credit card receipt lawsuit, the burger chain printed more than the last five digits of his credit card on his receipt.

The plaintiff, Ryan G., claims that a Burger King restaurant in Miami gave him a printed receipt in the preceding month that displayed a violation of FACTA’s strict truncation requirements.

While FACTA only allows the last five digits of a debit or credit card number to be displayed, Ryan’s receipt included both the first six and last four digits. This is ten out of 16 total digits, meaning that more than half of Ryan’s credit card number was revealed on his receipt, allegedly placing him at risk of identity theft and fraud.

Ryan noted that his is not even the first Burger King credit card receipt lawsuit that the company has faced. Indeed, Burger King has actually been sued at least twice previously for this same FACTA violation. According to Ryan’s Burger King credit card receipt lawsuit, this makes the violation willful instead of negligent, a more serious problem.

Ryan filed his Burger King credit card receipt lawsuit on July 7 in the U.S. District Court for the Southern District of Florida.

FACTA Credit Card Receipt Rules

FACTA, or the Fair and Accurate Credit Transactions Act, requires that businesses follow specific requirements to censor the credit card receipt information printed on their customers’ receipts. If these rules are not followed exactly, businesses have committed a FACTA violation that may be penalized.

FACTA laws require that, at most, the last five digits of a credit or debit card number may be displayed on receipts. The rest of the digits must be censored, which is known in FACTA terms as truncation. Receipts which display digits from anywhere else in the card number, even if there are five or fewer displayed, violate FACTA rules.

FACTA rules also prohibit businesses from printing any portion of a card’s expiration date at all.

Filing a Credit Card Receipt Lawsuit

Filing a lawsuit like this Burger King credit card receipt lawsuit can lead to substantial FACTA monetary awards. Indeed, FACTA offers statutory damages of up to $1,000 for each willful violation of FACTA rules, including truncation requirements.

Any machine-printed receipts are subject to these FACTA rules for displaying credit card receipt information. Hand-written receipts are exempt from these rules. However, in this day and age, it is rare to find a business that uses hand-written receipts.

Additionally, because these receipts are printed by machines that have been programmed a certain way, one FACTA violation on a receipt generally indicates that hundreds or even thousands of other customers have been affected as well.

Thus, reporting a violation of FACTA rules can lead to better protection for other customers who have receipts from the same business. Large businesses that have printed thousands of receipts violating FACTA receipts may be heavily penalized for the transgression, given that each violation may cost them up to $1,000.

In order to prove that a business violated FACTA laws, take note of whether or not your receipts follow FACTA regulations for both card numbers and expiration dates. If they do not, then you may be able to file a FACTA lawsuit.

Free FACTA Class Action Lawsuit Investigation

If you made one or more purchases and the retailer provided you with a receipt that contained more than the last five digits of your credit or debit card number or the expiration date, you may be eligible for a free class action lawsuit investigation and to pursue compensation for these FACTA violations.

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