Costco Shoppers Seek Cert. in FACTA Receipt Lawsuit

Costco is facing a potential class action FACTA receipt lawsuit, as a shopper asked an Illinois federal judge for class certification.

In the Costco FACTA receipt lawsuit, the shopper accused the bulk shopping company of violating the Fair and Accurate Credit Transactions Act (FACTA).

The shopper alleged that she and many others had found their receipts contained too many numbers, and that class action certification is the best way to streamline the litigation.

Lead plaintiff Emiguela Paci is leading the Costco FACTA receipt lawsuit, and has requested class certification for Costco customers who found their printed debit or credit card receipts showed more than the last five numbers of their payment cards.

She had filed the potential class action FACTA receipt lawsuit in January 2016, when she found her Costco receipt had showed too many digits of her American Express card.

Violations Alleges in FACTA Receipt Lawsuit

In the Costco FACTA receipt lawuit, Paci alleges Costco had “willfully” violated FACTA due to how many digits were exposed on the receipt.

According to the potential FACTA class action lawsuit, her receipt had showed the first six digits and last four digits of the card.

Paci had made this discovery after being printed a replacement receipt for proof of purchase, after losing the original receipt.

Under current FACTA law, electronically printed debit and credit card receipts are only allowed to show the last five digits of the payment card.

In addition, the expiration date of the card must be completely omitted to be FACTA compliant.

This process is known as truncation, which is conducted to help protect consumers against identity theft and credit card fraud.

FACTA policy applies to all electronically printed receipts produced by: cash registers, self service kiosks, and restaurant bills.

Even though Costco tried to argue that Paci had not actually received a receipt, but rather a “two page journal report detail results” document, therefore the piece of paper should not be considered a point of transaction receipt.

FACTA policy states that electronically printed receipts serve as documentation for the point of sale or transaction between customer and merchant.

Paci had filed a revised complaint shortly after Costco’s argument, to which the company tried to dismiss again in March 2016.

However, U.S. District Judge John Robert Blakey shot down Costco’s motion.

Paci is now calling for class certification for the Costco FACTA receipt lawsuit, stating the suit meets all requirements. Based on the size of the company and its policy requiring customers to show receipts to prove purchase, Paci argued that it was safe to assume over 40 shoppers were affected.

The Costco FACTA Receipt Lawsuit is Paci v. Costco Wholesale Corp., Case No. 1:16-cv-00094, in the U.S. District Court for the Northern District of Illinois.

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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