Late last year, a class action PC Richard credit card receipt lawsuit was filed claiming the appliance store printed receipts that violated federal law.
Plaintiff Mary Lisa Rapa, the lead plaintiff in this PC Richard credit card receipt lawsuit, claims that the appliance store has been printing receipts that violated the federal Fair and Accurate Credit Transactions Act, or FACTA.
Defendant PC Richard and Son is a chain of appliance, television, electronics and mattress stores. It is considered the largest chain of family owned stores like this with stores mainly located in Pennsylvania, Connecticut, New Jersey and New York.
FACTA was enacted in 2003 as a way to protect consumers from identity theft and keep their private financial information protected. It was an amendment to the Fair Credit Reporting Act.
FACTA is the law behind a few different well-known consumer protections. It gives consumers the right to obtain a free credit report every year from each of three major nationwide credit reporting agencies including Equifax, Experian and Transunion. The law also reduces identity theft by allowing customers to place an alert on their credit histories if they suspect their privacy or identity has been compromised.
FACTA also prevents identity theft by regulating what information can be printed on merchant receipts.
Under what’s known as FACTA’s “truncation requirement,” only the last five digits of a credit card number or debit card number may be printed on an electronically-printed receipt given to the consumer at the point of sale. Printing any additional digits puts the merchant in violation of federal law. FACTA also prohibits merchants from printing any part of the card’s expiration date.
The truncation requirement has an exception for receipts that are printed with a carbon paper imprint or that are written out by hand. That exception isn’t likely to help big retailers like PC Richard, who tend to use point-of-sale systems with electronic printers.
Every time that a retailer does not properly truncate a receipt, they can face damages in a civil FACTA lawsuit. For violations that the plaintiff can show were willful or knowing, the merchant may face statutory damages of up to $1,000 per violation.
A large company like PC Richard that prints large amounts of receipts may responsible for huge sums of money if they do not properly print receipts.
Rapa, the lead plaintiff in this PC Richard credit card receipt lawsuit, alleges that PC Richard printed the expiration dates of credit cards and debit cards, not only on her receipt but also on many other customers’ receipts.
She further alleges that the furniture store knew that they were in violation of federal law because they had engaged in a different FACTA lawsuit previous to this one.
Customers who made purchases at a PC Richard store in Connecticut or New Jersey before August 2016 and received a credit or debit card receipt that shows the card’s expiration date may qualify to join a free PC Richard class action investigation.
The PC Richard Credit Card Receipt 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.
