Consumers have filed at least two proposed class action lawsuits against appliance store PC Richard alleging the receipt from PC Richard & Son violated FACTA, placing consumers in danger for possible identity theft.
PC Richard is the largest family-owned appliance store in the nation.
Two lead plaintiffs in the proposed class action lawsuits stated that they received a receipt from PC Richard & Son that violated federal laws, long after the requirements of FACTA were in place.
Specifically, the receipt from PC Richard & Son included credit card and debit card expiration dates printed on receipts, which violates the provisions of FACTA.
What is FACTA?
FACTA stands for the Fair and Accurate Credit Transaction Act that was enacted in 2003 to protect consumers against identity theft.
Most consumers are aware that, each year, they are eligible to receive a free credit report from each of the three main credit reporting agencies to ensure the information is accurate as part of the provisions of this Act.
Additionally, under FACTA, businesses are required to follow specific guidelines in terms of what can legally appear on electronically printed receipts that are given directly to consumers.
Information contained in receipts must be truncated, or shortened, and must not include more than the last five digits of a consumer’s credit card or debit card number. Also, it may not include any part of the credit card or debit card’s expiration date.
By lessening the amount of information that appears on the credit card or debit card receipt, identity thieves will have a much harder time using the information from these receipts to steal a person’s identity.
Receipt From PC Richard & Son Leads to Lawsuit
Both proposed class action lawsuits against PC Richard & Son say that the receipt from PC Richard & Son they received contained expiration dates of credit card and debit card numbers, in violation of federal law.
One complaint also stated that the appliance store has previously received a number of warnings about their compliance with FACTA, which included a notice from the FTC as well as policy updates for both Visa and MasterCard.
When businesses violate FACTA, they may be responsible for damages ranging from $100-$1000 per violation, depending on the nature of the violation.
For a willful violation, which is what the two class action lawsuits allege, $1000 per each violation may be assessed if it was found that the appliance store was willful in its actions.
Filing a FACTA Lawsuit
If you have received an electronically printed credit card or debit card receipt from PC Richard & Son that included more than the last five digits of your credit card or debit card number, or if it contained any portion of the expiration date of the credit card or debit card, you may be eligible to take legal action against the business.
A FACTA lawyer can review your case at no charge and can help you decide if filing a FACTA lawsuit or class action lawsuit is right for you.
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.
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