AllSaints Facing Credit Card Receipt Class Action Lawsuit

AllSaints USA Ltd is facing a credit card receipt class action lawsuit because it allegedly has violated United States federal laws for years.

According to the credit card receipt class action lawsuit, AllSaints in Cook County, Illinois ignores laws that limit the number of digits in credit card numbers that can appear on receipts.

No more than five digits should appear according to federal law, but Illinois law limits it even further, to four digits. AllSaints is accused of displaying 10 digits on its receipts since the stores first opened in the U.S. in 2009.

When you purchase something with a credit card, you are supposed to receive an abbreviated receipt. Not all of your information should appear because of FACTA, the Fair and Accurate Credit Transactions Act, which was enacted in 2003 as a way to prevent identity theft.

The credit card receipt is designed to contain enough specific information so that the merchant and the customer can identify it in case a return or an adjustment is needed in the future.

Why File a Credit Card Receipt Class Action Lawsuit?

Plaintiff Barbara Mocek spent $10.63 on a canvas bag at an Illinois AllSaints store on July 1. She filed the credit card receipt class action lawsuit in an attempt to stop the store from risking the exposure and disbursement of the financial and personal information of its customers.

“AllSaints’ conduct is objectively unreasonable. AllSaints’ printing of 10 payment card account digits on payment card receipts, despite more than a decade of compliance from virtually all of its peer retailing institutions, reflects an unjustifiably high risk of violating the law that is either known or is so obvious that it should be known,” the suit says. “Unfortunately for customers, AllSaints’ knowing and willful disregard of FACTA’s truncation requirements exasperates the very risks that FACTA seeks to avoid.”

Electronically-printed credit card and debit card receipts should never include more than the last five digits of the account number, and should never show the expiration date.

FACTA Is the Law

The Bureau of Consumer Protection, a division of the Federal Trade Commission (FTC), says compliance with FACTA laws are important because “credit card numbers on sales receipts are a ‘golden ticket’ for fraudsters and identity thieves.”

Businesses that do not comply with FACTA receipt rules can face law enforcement action by the FTC. Both civil penalties and injunctive relief have been applied in various cases. (Injunctive relief means instead of a court ordering monetary payment, the court orders the defendant to stop a specified act.)

A consumer who finds a merchant has “willfully” not complied with FACTA during a purchase can file a credit card receipt class action lawsuit. Merchants found liable could pay anywhere from $100 to $1000, or the monetary loss the infraction caused.

Courts are apt to find a merchant has “willfully” violated FACTA receipt laws if the retailer “knew or should have known” of FACTA’s regulations and was made aware of the statute’s requirements.

AllSaints is a U.K.-based company that is majority-owned by Lion Capital LLP, which invests billions of dollars in more than 100 brands. The United States has more than 50 AllSaints locations, including three in Illinois.

The AllSaints Credit Card Receipt Class Action Lawsuit is Mocek v. AllSaints USA Ltd., Case No. 2:16-CH-10056, in the Circuit Court of Cook County, Illinois.

UPDATE: March 2019, the AllSaints credit card receipt class action settlement is now open. Click here to file a claim.

UPDATE 2: On Aug. 14, 2019, Top Class Actions viewers started receiving checks in the mail from the AllSaints receipt class action settlement worth $408.65! Congratulations to everyone who filed a valid claim and got PAID!

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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