Darden Restaurants Inc. Allegedly Violates Credit Card Receipt Requirements

Darden Restaurants, Inc. is facing a class action lawsuit purporting that the company has violated the credit card receipt requirements of the Fair and Accurate Credit Transactions Act, or FACTA.

Darden Restaurants, Inc. is an American multi-brand restaurant company that is headquartered in Orlando, Fl. The corporation owns eight casual dining restaurants including Olive Garden, LongHorn Steakhouse, Bahama Breeze, Seasons 52, Eddie V’s Prime Seafood, The Capital Grille, Yardhouse, and Cheddar’s Scratch Kitchen. The company has more than 150,000 employees and more than 1,500 restaurants.

According to a report published by Lexology, the plaintiffs claim the company had violated the FACTA and other credit card receipt requirements by, “printing the full expiration date on credit card receipts, allowing potential identity thieves to readily discern whether the card is still active and narrow their focus to more viable targets.”

According to the report, moreover, the plaintiffs allege that they had suffered actual harm. The plaintiffs assert that they are presently now “burdened with elevated risks of identity theft.”

Credit Card Receipt Requirements, According to FACTA

FACTA, known as the Fair and Accurate Credit Transactions Act, was created as an amendment to the FCRA (Fair Credit Reporting Act) to protect consumers against identity theft.

The FACTA privacy protection regulation and credit card receipt requirements state that “no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number of the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.”

The FACTA privacy protections and credit card receipt requirements, therefore, protect consumers from identity theft when a purchase receipt is lost or misplaced. It prevents identity thieves from stealing credit card information from a purchase receipt. It is enacted to protect consumers by not allowing the last 5 digits of a consumer’s credit card information to be displayed. Placeholder characters may appear in place of the credit card digits to cover up the numbers.

According to FACTA regulations and credit card receipt requirements, information allowed on a purchase receipt includes a consumer’s store name and location, the item name of the product purchased, the date and time, and the tax amount of the product purchased.

Consumers are also protected by the prohibition of a consumer’s debit card or credit card expiration date also appearing on the purchase receipt. Examples of such violations of FACTA protections and other credit card receipt requirements include: EXP: 03/17, EXP 03/2017, or EXP 032017, Exp. Date 03/**, and Exp. **/17.

Businesses found to be in violation of FACTA may face penalties and consumer lawsuits.

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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