PC Richard & Son Receipt Class Action Lawsuit Continues in N.J.

A PC Richard & Son receipt class action lawsuit has been filed against the company, alleging it violated the Fair and Accurate Credit Transactions Act (FACTA).

In this PC Richard & Son receipt class action lawsuit, plaintiff Mary Lisa Rapa alleges the appliance and electronics chain printed credit and debit card expiration dates on customers’ receipts in-store, violating FACTA regulations.

Not only did PC Richard & Son know about the specifics of FACTA requirements prior to violating them, but in fact had previously violated the same requirements and faced a similar lawsuit, the PC Richard & Son receipt class action says.

According to the complaint, the company knowingly continued printing receipts that did not comply with FACTA requirements.

Class Members of this PC Richard & Son receipt class action lawsuit include New Jersey residents that have been given by PC Richard & Son an electronically printed receipt with their card expiration date between Aug. 24, 2012 and Aug. 24, 2016.

If your paper receipt from PC Richard & Son includes the debit or credit card’s expiration date (displayed in MM/YY format) or may have otherwise violated FACTA rules, you may be able to pursue legal recourse.

The Fair and Accurate Credit Transactions Act

The identity protection rules provided by FACTA, or the Fair and Accurate Credit Transactions Act, were initially passed in 2003, and have been in full effect since 2006.

FACTA credit card receipt laws are meant to protect consumers’ debit and credit card information, which can in turn help protect them from identity theft and fraud. Identity theft can be extremely harmful for consumers and complicated to fix, even if it is caught quickly.

The Fair and Accurate Credit Transactions Act has two main specifications. First, it prohibits a company from including a card’s expiration date on a printed in-store receipt.

Expiration dates are displayed in a MM/YY format, indicating the month and year (i.e. 05/17 for May 2017). Many companies choose to censor expiration dates using asterisks, like this: **/**. No part of the expiration date may be displayed on a receipt.

Second, companies are required to censor the credit or debit card number. Unlike expiration dates, companies are allowed to display a portion of a credit card number on receipts.

Requirements for censoring a card number are very specific: only the last five digits or fewer of a debit or credit card’s sixteen-digit number may be displayed. Many companies choose to censor all but the last four digits of a card number to ensure FACTA compliance, since card numbers come in four-digit segments.

Note that these FACTA rules are intended only for print receipts. If a company handwrites their receipts, FACTA rules do not apply. Handwritten receipts grow increasingly rare as technology becomes more available, so this is unlikely to occur.

Filing a PC Richard & Son Class Action Lawsuit

In many cases, including the case of this PC Richard & Son receipt class action lawsuit, one machine that does not comply with FACTA law can affect hundreds or even thousands of customers at one time.

This means that if you notice a FACTA violation on your own receipt, reporting it can lead to better protection for all others who have receipts from that business—and result in significant fines for the company at fault.

If you believe a company, such as PC Richard & Son, has violated FACTA rules by printing your card’s expiration date or any digits other than the last five of the card number, you may be able to file a FACTA class action lawsuit.

The PC Richard & Son Receipt Class Action Lawsuit is MaryLisa Rapa v. PC Richard & Son LLC, Case No. 2:16-cv-05989 in the U.S. District Court for the District of New Jersey.

Free P.C. Richard & Son FACTA Class Action Lawsuit Investigation

If you have received a paper customer receipt from any P.C. Richard & Son store with your personal credit card or debit card expiration date printed on the receipt, you may be eligible to join a free FACTA debit/credit card receipt class action lawsuit investigation.

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