Dynamic Accident Lawyers: Family-Owned Electronic Retailer Hit With FACTA Class Action Lawsuit

The largest family-owned electronics and appliances chain P.C. Richard & Son LLC faces a putative class action lawsuit stemming from allegations that they violated the Fair and Accurate Credit Transactions Act (FACTA).

Lead plaintiff Kathleen O’Shea of New York claims that the retailer gave her an electronically printed receipt that showed her debit card’s expiration date in violation of FACTA.

The FACTA class action lawsuit claims that Richard & Son’s FACTA violations were not “accidental oversights” but rather a way to avoid the “additional expense, time, and other resources required to properly configure and otherwise update their electronic receipt printing equipment.”

According to the FACTA lawsuit, Richard & Son willfully and intentionally disregarded legal requirements that applied to cash registers and other devices that print receipts.

Plaintiff O’Shea claims that FACTA laws prohibit the printing of expiration dates on credit or debit card receipts because it helps deter identity theft. The FACTA class action lawsuit states that even if a thief has all 16 digits of a credit/debit card number, if they don’t have an expiration date it is very difficult to use the card.

The FACTA class action lawsuit states: “It’s common in telephone and internet transactions for the consumer to be asked for an expiration date, and most systems will not allow the would-be customer to keep guessing at the date, as the guessing suggests that he may be an identity thief.”

If approved, the Richard & Son class action lawsuit will be open to Class Members who were provided a printed receipt at a physical store location within the last two years that showed the expiration date of the consumer’s debit card.

The FACTA Class Action Lawsuit is Case No. 1:15-cv-9069 in the U.S. District Court for the Southern District of New York.

Identity Theft Safety Tips

While FACTA laws help the majority of Americans from the risk of identity theft, there are a few ways that credit and debit card consumers can further protect themselves against fraud.

Check all transactions often either online or through statements
Destroy all receipts once you’ve reconciled transactions
Carry credit and debit cards separately in case someone steals your purse or wallet
Contact your card issuer if you will be traveling
Make sure to draw a line through any blank “tip” spaces above the total
Carry only the card you need for a certain transaction
Contact your card issuer if your address has changed
Make sure you get your credit card back after a transaction
Do not give your account number over the phone
Immediately report any lost, stolen or comprised cards to the credit card company

What is FACTA?

Millions of customers are affected by identity theft and credit card fraud in the U.S. each year. Therefore, FACTA laws require 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.”

The examples below illustrate FACTA violations because there was something beyond the last five digits of a credit or debit card account number that would appear printed on an electronic receipt:

Example 1: **** **** **99 ****

Example 2: 44** **** **** 5555

Example 3: **** **11 **** 7777

Another common FACTA violation is to show any form of the expiration date of the card. The federal law requires that businesses should not print the expiration date “upon any receipt provided to the cardholder at the point of the sale or transaction.”

This FACTA violation could appear in the following forms:

EXP: 0718

EXP: 07/18

EXP: 07/2018

EXP: **/18

Credit or debit card customers who discover that a business printed a receipt that showed an expiration date or more than the last five digits of a credit or debit card number may have legal claim.

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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