Customers Allege FACTA Truncation Violations at Kirkland’s

Customers at the popular nationwide retailer Kirkland’s say that the store committed FACTA truncation violations when printing receipts.

Kirkland’s is a home décor retailer that has been in business for almost fifty years. It began as a small gift shop in 1966 in Union City, Tenn. and has since grown to encompass over 340 stores across 35 states.

The company has over 6,000 employees and did nearly $508 million in sales in 2014 alone.

However, some customers have complained that the popular retailer has violated a federal law when it prints their receipts.

FACTA, or the Fair and Accurate Credit Transactions Act, is a law that protects customers’ important banking information by putting limits on what stores can print on receipts. It was passed in 2003 to try to help consumers with the growing problem of identity theft.

This is to ensure that thieves do not have any sensitive information that can be stolen if they find their hands on a customer receipt.

FACTA has several aspects to it, but the two ways that merchants can commit a FACTA violation are by including the expiration date of a credit or debit card on a receipt or by including any numbers other than the last 5 digits of the credit or debit card.

When merchants do not print the entire number, this is called FACTA truncation.

Kirkland’s, the popular home décor retailer, has been accused of committing FACTA truncation violations when it printed some customers’ receipts and has recently been hit with a FACTA truncation violation class action lawsuit.

Ashley Gennock and Jordan Budai, both residents of Pennsylvania, are the named plaintiffs in this FACTA lawsuit. They claim that Kirkland’s has put customers at risk of financial ruin by making them vulnerable to identity and credit card theft.

According to Gennock, a receipt that she received from a Kirklands in Pennsylvania included the first six and last four digits of her credit card which, she claims, is a FACTA truncation violation.

Budai says his receipt looked similar from the same Pennsylvania store.

Their complaint says that Kirkland’s “had actual knowledge of FACTA’s truncation requirements or acted recklessly with respect to FACTA truncation requirements, specifically including the requirement that no more than the last five digits of credit and debit cards be printed on the receipts presented to customers at the point of sale.”

The proposed Class potentially has thousands of members and the lawsuit is being brought on behalf of all customers who, in the past two years, received a receipt from Kirkland’s with a FACTA truncation violation.

The plaintiffs say that Kirkland’s should be well aware of FACTA truncation requirements because of agreements they have with companies like Visa, MasterCard and American Express as well as communications Kirkland’s has with its merchant bank.

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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