Credit/Debit Card Receipt Lawsuits (FACTA)

Credit card and identity theft are all too common. As a result, there are laws and acts in place to minimise the risk, and to keep the public as safe as possible. One method in place to protect consumers like you from credit card or identity theft involves the Fair and Accurate Credit Transactions Act or FACTA which was put in place in 2003. This act stipulates what a retailer can and can’t print on a receipt. Essentially, whatever information is printed on a receipt must not enable someone to piece together the credit card or debit card information of a particular customer.

As a result of FACTA, merchants cannot print card numbers outright on a receipt. Instead, a process of truncation is used. In line with this, card numbers are masked with symbols such as #’s or *’s to ensure that the card holders details are kept hidden. Failure to do so can result in that merchant being charged with an FACTA violation.

Violations Of FACTA

FACTA states: “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 or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.”

In line with the above, FACTA violations can occur as a result of merchants, such as garages, restaurants, or retailers doing one or more of the following:

  • All or part of the expiration date of a credit or debit card is printed on a receipt (e.g. if a card expiration number was September 2021, it would be a violation if any number that suggests that date, such as EXP. 09/21, or EXP. 09/2021 or EXP. **/21).
  • 5 or of the last 5 digits of a card number, or printing any of the other digits (even if it is less than 5). For example, if a card number was 2222-4444-6666 a merchant would be violating FACTA if they printed any of the following: 222*-****-**66, or 2***-4***-6666, or even ****-44**-****.
Sample Receipt Showing FACTA Violations
Sample Receipt Showing FACTA Violations

Has A Merchant Violated The FACTA On Your Receipt?

If you have received a receipt from a garage, restaurant, retailer, or other merchant, and you think that it had any of the above details printed on it, then your rights have been violated and as a consumer it is well within your rights to file a FACTA class action lawsuit to obtain a recovery. If successful with the lawsuit, you could obtain compensation, even if no identity theft occurred as a result of the information on the receipt.

Contact An Attorney For Free

If you have a receipt that violates FACTA, please fill out the form below and we’ll contact you about your rights.