Credit Card Receipt Privacy Violations - Check Your Receipts!

7/26/22, 3:26 AM Credit Card Receipt Privacy Violations - Check your receipts!
Settlements Open Lawsuits Legal News Featured ••• English
Credit and debit card receipt privacy lawsuit

claim review
By Top Class Actions
FOLLOW ARTICLE
July 21, 2022
ATTORNEY ADVERTISING
Scott D. Owens, P.A.

Scott D. Owens, Esq.

Hollywood, Florida
Receipt privacy violations: Who’s affected?
https://topclassactions.com/lawsuit-settlements/privacy/credit-card-receipt-laws/ 1/13
Is your receipt worth money?
You may be entitled to money damages based on information on

your receipts. Fill out the form on this page to see if you qualify for a
free claim review.

Federal law protects consumers’ private information from being disclosed on
credit and debit card receipts.
Under the Fair and Accurate Credit Transactions Act (FACTA), vendors can
only print the last five digits of a card number on a receipt and cannot
include any portion of the card’s expiration date.
If a retailer, restaurant, or other vendor prints receipts from credit card

transactions that contain more than this information, they may be violating
consumer rights under FACTA. In these situations, consumers may be able to
collect compensation by taking legal action.
This example shows what numbers to look for and what a FACTA violation
may look like:
Do You Qualify?
You may qualify to participate in this credit card receipt lawsuit
investigation under the following circumstances:
A retailer printed more than the last five digits of your credit
card number on a receipt; and/or
A retailer printed the expiration date on a receipt.
Individuals who take legal action against vendors who print too much
information on their receipts may be able to collect between $100
and $1000 under FACTA.
Additionally, individuals who serve as lead plaintiffs in a FACTA

class action lawsuit may be able to collect an incentive award if the
lawsuit results in a settlement. In some cases, Courts have approved
incentive awards as much as $20,000 dollars.
(Please note: Submitting your information on this page is not a

guarantee that you will receive a reward, incentive or otherwise, even
if the attorney accepts your case. The attorney to whom your
information is being forwarded may not accept your case.)
Fill out the form on this page for a free case evaluation by an
experienced credit card receipt privacy lawyer.
Get Help from a Top Credit Card Receipt Lawyer

Top Class Actions is connecting eligible individuals who submit their
information on this page with attorney Scott D. Owens, who is considered to
be one of the top litigators involving alleged violations off FACTA.
Mr. Owens has litigated 5 of the largest FACTA recoveries, including the
massive Subway credit card receipt class action lawsuit that resulted in a
$30.9 million settlement.
Other FACTA settlements he reached include:
The Cheesecake Factory FACTA Class Action Settlement

Jimmy Choo FACTA Class Action Settlement
Microsoft FACTA Receipt Class Action Settlement
Godiva Chocolatier FACTA Class Action Settlement
LabCorp FACTA Class Action Settlement
Spirit Airlines FACTA Class Action Settlement
What is the Fair and Accurate Credit Transactions Act

(FACTA)?
The Fair and Accurate Credit Transactions Act (FACTA) was passed by

Congress in 2003 as an attempt to protect consumers from the increased risk
of identity theft. It has been in full effect since
2006.
With retailers and vendors able to print any amount of credit or debit card English
Settlements Open Lawsuits Legal News Featured •••
information, perpetrators of identity theft could gather multiple receipts from
the same card to piece together a complete profile of the card number,
expiration date, and account numbers.
Additionally, this sensitive information could be accessed by identity thieves

or phishing attackers through databases of personal data created by hackers
that are readily available on the “dark web.”
What are the FACTA requirements?

FACTA aimed to curtail this fraud by standardizing the amount of
information that could be printed on transaction receipts. The federal law
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.”
These credit card receipt laws apply to any electronically printed receipt

from cash registers, self-service kiosks, and restaurants. Receipts can also
appear in the form of a contract or an invoice.
Receipts that are emailed, handwritten, imprinted, or included inside a

package shipped to your home are not bound by the same FACTA
requirements.
Read more > > FACTA Law Outlines Credit Card Receipt Violations
What is the proper format for a credit or debit card

receipt?
Vendors can comply with the FACTA credit card receipt laws by censoring
private information through truncation. Truncation is the process of hiding
numbers with symbols such as * or #. These symbols act as placeholders in
the system while also protecting sensitive credit card information.
A properly truncated receipt may look like the following example:
ACCT: **** **** ***0 1234

EXP: ****
Receipts that do not comply with the FACTA truncation requirement may
increase a consumer’s risk of having their private credit card information
stolen.
Settlements
What Open examples
are some Lawsuits Legal News Featured
of improper •••
credit card English
receipt formats?
If a vendor printed a receipt containing digits from a credit card number other
than the last five digits, they may be in violation of FACTA. The following
truncation errors are examples of FACTA violations. Example 1 is the most
common violation:
Example 1: 1111 22** **** 4444

Example 2: 1111 **** **** 4444
Example 3: **** **** ** 444444
Even if vendors print less than five digits of a credit card number, they may
be in violation of FACTA if these digits are not the last digits of a card.
The limitations on a card’s expiration date are equally as strict, with no

expiration date information allowed to be printed by a vendor. The following
expiration date representations are examples of FACTA violations:
Example 1: EXP: 03/17

Example 2: EXP: 03/2017
Example 3: EXP: 032017
Example 4: EXP: 0317
Example 5: Expires: 0317
Example 6: Exp Date: 03/17
Example 7: Exp Date: 03/31/17
Example 8: EXPIRY: 03/17
Example 9: 03/17
Example 10: 0317
Example 11: Date 03/**
Example 12: **/17
Example 13: 2017/03
Read more > > Is it Safe to Throw Away Credit Card Receipts?
Can someone steal your credit card information from a

receipt?
If a company has printed too much of your personal information on a receipt,

such as more than the last 4 or 5 digits of your credit card and/or the
expiry date, then it is possible that you may be at risk of identity theft or
fraud. A scammer may use this additional information to try and phish the
rest of the sequence
Settlements
to access your full
Open Lawsuits
details, so itFeatured
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is best to look
•••
over English
every receipt you receive — and save any that appear to have violations
— to ensure you are not at risk.
What happens if a business fails to follow FACTA

requirements?
Failure to properly truncate consumer information is often the result of
human error or reckless behavior. Regardless of whether or not errors were
made with ill intent, this failure to comply with the truncation requirement
may be a violation of FACTA.
Violators of FACTA may be ordered to pay thousands of dollars in fines.

Even if a court verdict isn’t reached, court settlements can
provide significant compensation for consumers. For example, Fort
Lauderdale Airport agreed to pay $1.1 million to resolve FACTA
claims surrounding its parking receipts.
Read more >> What Is The Purpose of FACTA Receipt Privacy Laws?
If you have a receipt, invoice or contract from a retailer or vendor that

includes more than the last five digits of your credit card or debit card
number or any portion of the expiration date, you may qualify to file a
full credit card number on receipt class action lawsuit.
The attorneys that work with Top Class Actions are highly qualified in
filing a range of class action lawsuits to help you receive the
compensation you deserve.
See if you qualify by filling out the free form on this page.
GET HELP – IT’S FREE
Get a free credit card receipt lawsuit claim review

If you qualify, an attorney will contact you to discuss the details of your potential case
at no charge to you.
The law firm responsible for the content of this page is: Scott D. Owens, PA

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Last Name *
Street Address *
Apt. #
City *
State *
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Zip Code *
Phone *
Email *
What is your preferred form of contact? *
Email
Phone
Do you have a debit/credit card receipt showing a FACTA violation? (NOTE: If

you have a receipt, please make sure that you keep it.) *

Yes
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What violation(s) does this receipt show? *
Credit card or debit card expiration date
I can see one of the first ten or eleven digits of my credit card account
number. (Remember: the last 5 digits of your account may be printed
on your receipt.)
Please list the merchant that printed this receipt: *
Is the business near where you are located? *
Yes
No
Please attach a picture of the receipt(s) here.
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Accepted file types: jpg, gif, jpeg, png, pdf, Max. file size: 12 MB.
Are you interested in serving as a lead or named plaintiff? *

Lead plaintiffs typically receive an incentive award if the case settles.
Yes
No
Please enter any additional details you would like the staff reviewing your
submission to know. *
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7/26/22, 3:26 AM Credit Card Receipt Privacy Violations - Check your receipts!

Settlements Open Lawsuits Legal News Featured ••• English

Credit and debit card receipt privacy lawsuit

July 21, 2022

Scott D. Owens, P.A.

Scott D. Owens, Esq.

Receipt privacy violations: Who’s affected?

You may be entitled to money damages based on information on

Settlements Open Lawsuits Legal News Featured ••• English

If a retailer, restaurant, or other vendor prints receipts from credit card

Settlements Open Lawsuits Legal News Featured ••• English

Additionally, individuals who serve as lead plaintiffs in a FACTA

(Please note: Submitting your information on this page is not a

Settlements Open Lawsuits Legal News Featured ••• English

Get Help from a Top Credit Card Receipt Lawyer

Other FACTA settlements he reached include:

The Cheesecake Factory FACTA Class Action Settlement

What is the Fair and Accurate Credit Transactions Act

The Fair and Accurate Credit Transactions Act (FACTA) was passed by

Additionally, this sensitive information could be accessed by identity thieves

What are the FACTA requirements?

These credit card receipt laws apply to any electronically printed receipt

Receipts that are emailed, handwritten, imprinted, or included inside a

What is the proper format for a credit or debit card

A properly truncated receipt may look like the following example:

ACCT: **** **** ***0 1234

Example 1: 1111 22** **** 4444

The limitations on a card’s expiration date are equally as strict, with no

Example 1: EXP: 03/17

Can someone steal your credit card information from a

If a company has printed too much of your personal information on a receipt,

What happens if a business fails to follow FACTA

Violators of FACTA may be ordered to pay thousands of dollars in fines.

Read more >> What Is The Purpose of FACTA Receipt Privacy Laws?

If you have a receipt, invoice or contract from a retailer or vendor that

GET HELP – IT’S FREE

Get a free credit card receipt lawsuit claim review

What is your preferred form of contact? *

Do you have a debit/credit card receipt showing a FACTA violation? (NOTE: If

What violation(s) does this receipt show? *

Credit card or debit card expiration date

Please list the merchant that printed this receipt: *

Is the business near where you are located? *

Please attach a picture of the receipt(s) here.

Choose File No file chosen

Are you interested in serving as a lead or named plaintiff? *

Settlements Open Lawsuits Legal News Featured ••• English

Get Our Newsletter

I understand and agree

Opt In to Receive Text Messages

Opt In to Receive Text Messages

Settlements Open Lawsuits Legal News Featured ••• English

PAID ATTORNEY ADVERTISEMENT: THIS WEB PAGE IS AN

Settlements Open Lawsuits Legal News Featured ••• English

We tell you about cash you can claim

Top Class Actions is a Proud Member of the American Bar Association

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ACCT: ** *0 1234

Example 1: 1111 22 ** 4444