A retailer of home goods urged a North Carolina state court to dismiss allegations in a receipt class action lawsuit claiming that the retailer violated FACTA. The credit card receipt class action lawsuit alleges that the retailer violated the rules of FACTA by including more digits of consumers’ credit card numbers than the rules allow.
The lead plaintiff in the receipt class action lawsuit, Timothy M., filed the suit after discovering that the company had printed 10 digits of his credit card number onto a receipt. The receipt class action lawsuit was filed in December of last year, and alleges that within the previous two years, Timothy had received one or more receipts from the company that included not only the last four digits of his credit card number, but also the first six.
According to FACTA rules, businesses are allowed to print numbers from only the last five digits of a customer’s credit or debit card number.
The store argued that a simple violation without proving actual or threatened harm was not enough to be considered a valid suit, bidding to dismiss the receipt class action lawsuit entirely.
FACTA Basics
Being aware of whether or not a business is following FACTA rules regarding credit card numbers on receipts can save not only your information from fraud and identity theft, but potentially even the information of countless other customers as well.
The Fair and Accurate Credit Transactions Act, more commonly known as FACTA, was first passed back in 2003, and has been fully active for all businesses since 2006. Businesses are expected to have receipt machines that can fully comply with FACTA rules and regulations.
FACTA federal receipt laws require that businesses follow specific requirements in order to truncate, or shorten, the credit card information printed on receipts. First, FACTA requires that no more than the last five digits of either a credit or debit card number may be displayed on receipts. The rest of the card’s digits must be censored.
FACTA rules also prohibit businesses from printing any portion of a card’s expiration date.
Filing a Receipt Class Action Lawsuit
By reporting FACTA violations, a consumer may even be able to protect the information of others that may have been exposed as well, since these machines print thousands of receipts using the same settings. Consumers who report violations of FACTA regulations may even be eligible for some kind of financial award.
Indeed, FACTA offers awards of up to $1,000 per violation of FACTA receipt rules. Proving that a business violated FACTA laws is fairly simple.
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 file a FACTA lawsuit against the business at fault. Of course, it’s important to keep any receipts that violate FACTA rules as proof.
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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