Dynamic Accident Lawyers: Judge Stays Miami-Dade FACTA Class Action Until Supreme Court Ruling

A proposed FACTA class action lawsuit stemming from a Miami-Dade County parking ticket receipt has been put on hold until the U.S. Supreme Court decides a case involving Spokeo Inc.’s potential violations of the Fair Credit Reporting Act.

The parking ticket at issue allegedly disclosed too many digits on a credit card receipt.

U.S. District Judge Marcia G. Cook suspended the FACTA class action lawsuit brought forth by plaintiff Nataly Cano Lopez against Miami-Dade County’s online cashiering system provider N. Harris Computer Corp and the county’s clerk of courts, stating that the Supreme Court’s ruling in Robins v. Spokeo could impact the federal court’s ability to proceed with the Fair and Accurate Credit Transactions Act (FACTA) case.

“While the plaintiff in Spokeo alleged violations of the Fair Credit Reporting Act … and not FACTA, defendants correctly point out that a ruling in Spokeo may apply to this court’s subject matter jurisdiction over statutory violations generally, including violations of FACTA, when a plaintiff fails to allege any concrete injury-in-fact,” the judge wrote. “A decision in Spokeo may conclusively determine whether this court has subject matter jurisdiction over plaintiff’s claims.”

FACTA Violation Allegations

Plaintiff Nataly Cano Lopez brings her putative class action (a potential class action, brought by one plaintiff on behalf of themselves and others who allegedly suffered a common wrong) accusing the Miami-Dade county government and Harris Computer Corp. of printing too many credit card numbers on a traffic ticket receipt, in violation of FACTA.

FACTA mandates that merchants must follow specific rules to help protect U.S. consumers from identity theft or credit card fraud that could occur from someone being able to piece together credit card or debit card information from a customer’s receipt.

Lopez received a receipt from the county in late July after paying for a parking citation with her credit card. Lopez alleges that the receipt displayed the first six and last four digits of her 16-digit credit card number, potentially exposing her to identity theft.

According to the FACTA lawsuit, by printing more than the last five digits of her credit card on her receipt, the county and its software provider have violated the Fair and Accurate Credit Transactions Act, enacted in 2003 to curb identity theft by limiting the number of credit or debit card digits that can be printed on a sales or transaction receipt.

Additionally, the FACTA complaint alleges that if an identity thief has access to these numbers via a credit or debit card receipt that shows more statutorily-restricted number of digits, he or she will have the ability to decipher the remaining digits because the cards use a “coding paradigm and mathematical modeling.”

Lopez alleges that there is a nationwide class numbering in the tens of thousands of similarly situated plaintiffs who have been subject to the defendants’ lack of responsibility under FACTA rules.

The class requests that the court provide statutory damages in the amount of $1,000 for each willful FACTA violation, as well as punitive damages, costs to cover legal fees, and injunctive relief prohibiting future violations.

The FACTA Class Action Lawsuit is Nataly Cano Lopez v. Miami-Dade County et al., Case No. 1:15-cv-22943, in the U.S. District Court for the Southern District of Florida.

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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