LOOK AT YOUR CREDIT CARD AND DEBIT CARD RECEIPTS: YOU MAY BE ABLE TO OBTAIN RECOVERY IF TOO MUCH OF YOUR CREDIT CARD OR DEBIT CARD INFORMATION IS PRINTED ON YOUR CUSTOMER RECEIPT
Have you received a credit card or debit card receipt that shows either the expiration date of your card or more than the last 5 digits of your card number?
If so, you may be able to obtain a recovery.
To protect your privacy and prevent your information from being seen and potentially misused by others, credit card and debit card receipts should not show the expiration date of your card or any more than the last 5 digits of your card number.
If you received a customer receipt that shows either one of those things (either the expiration date of your card OR more than the last 5 digits of your card number) your federal rights may have been violated and you may be able to obtain a recovery.
You may be able to obtain a recovery even if you have not suffered any actual harm or actual damages. The law is intended to prevent fraud and identity theft before it occurs by requiring merchants not to print too much of your information on your customer receipts. Therefore, if either the expiration date of your card OR more than the last 5 digits of your card number is printed on your customer receipt, too much of your private financial information has been exposed, and you may be able to obtain a recovery.
If you have received a customer receipt that you believe may show either the expiration date of your card or more than the last 5 digits of your card number, call now for a free consultation with an attorney: 1-877-574-7100
Examples of Expiration Date Violations On Your Credit Card or Debit Card Receipts
To give you some examples of expiration date violations on receipts, let's suppose that the expiration date of your credit card or debit card is 10/19 or October 2019. Let's also suppose that you made a purchase using your card and you received a customer receipt. Your rights may have been violated if the customer receipt that you were provided shows any portion of your credit card or debit card expiration date.
| Example 1: | A violation on your receipt could look like this: EXP: 10/19 | |
| Example 2: | Or a violation on your receipt could look like this: EXP: 10/2019 | |
| Example 3: | Or a violation on your receipt could look like this: EXP: 102019 | |
| Example 4: | Or a violation on your receipt could look like this: EXP: 1019 | |
| Example 5: | Or a violation on your receipt could look like this: Expires: 1019 | |
| Example 6: | Or a violation on your receipt could look like this: Exp Date: 10/19 | |
| Example 7: | Or a violation on your receipt could look like this: Exp Date: 10/31/19 | |
| Example 8: | Or a violation on your receipt could look like this: EXPIRY: 10/19 | |
| Example 9: | Or a violation on your receipt could look like this: 10/19 | |
| Example 10: | Or a violation on your receipt could look like this: 1019 |
These are just some examples showing what a violation may look like if the expiration date of your credit card or debit card is printed on your customer receipt.
A violation may occur even where the entire expiration date is not displayed.
Example 11: For example, suppose that only the month but not the year of the expiration date is printed on the customer receipt. If, as in the above examples, the credit card or debit card has an expiration date of 10/19 or October 2019, a violation on your receipt could look like this:
If you have received a customer receipt that you believe may show the expiration date (or any portion of the expiration date) of your credit card or debit card, call now for a free consultation with an attorney: 1-877-574-7100
Examples of Violations Involving The Printing of More Than the Last 5 Digits of Your Credit Card or Debit Card
As mentioned above, another type of violation involves showing more than the last 5 digits of your credit card or debit card number on your customer receipt.
Your credit card or debit card number is the number that is typically 15 or 16 digits long and appears on the front of your credit card or debit card. The card number is also sometimes called the primary account number or PAN.
To give you some examples of violations on receipts that involve the printing of more than the last 5 digits of your card number, let's suppose that your credit card or debit card number is 1111-2222-3333-4444. Let's also suppose that you made a purchase using your card and you received a customer receipt. Your rights may have been violated if the customer receipt that you were provided shows more than the last 5 digits of your credit card or debit card number on your customer receipt.
Example 1: For example, a violation on your receipt could look like this:
In this above example, the first two digits of the card number, 11, are shown but they should not have been shown on the receipt. This constitutes printing digits other than the last 5 digits of the card number.
Example 2: Another example of a violation could look like this:
In this above second example, the receipt displays the digits 22 of the card number, again showing digits other than the last five digits of the card number.
Example 3: Another example of a violation could look like this:
In this above third example, the receipt shows the digits 33 of the card number, again displaying digits other than the last five digits of the card number.
Again, if any of the digits other than the last 5 digits of the card number are displayed on the receipt, that is a potential violation of federal law.
If you have received a customer receipt that you believe may show more than the last 5 digits of your credit card or debit card number, call now for a free consultation with an attorney: 1-877-574-7100
The Federal Law: The Fair And Accurate Credit Transactions Act, Also Known As FACTA
The name of the federal law that governs information that may not be printed on credit card and debit card customer receipts is the Fair And Accurate Credit Transactions Act. This law is also known as FACTA.
Congress passed and the President signed the FACTA law in 2003.
The FACTA law restricts the amount of information that may be shown on credit card and debit card receipts. Restricting the amount of information that appears on receipts is also sometimes called truncation or truncating the information. This is often achieved by masking or hiding the information by placing symbols such as * or # on the receipt instead of the actual cardholder's information. Unfortunately, not all merchants properly truncate card information on receipts and thereby expose cardholders to potential card fraud and identity theft.
One of the main portions of the FACTA law states as follows:
"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." Title 15 U.S.C. Section 1681c(g)(1).
The law applies to all electronically printed customer receipts (meaning all customer receipts that were electronically printed by a machine or other device and provided to you, such as, for example, receipts printed through cash registers and provided to you by a cashier, receipts printed at check out stands using computers or other electronic devices and provided to you by the attendant, receipts obtained by you through automated self service kiosks, receipts printed using electronic devices and provided to you at restaurants, etc.).
FACTA is a consumer protection law. FACTA provides consumers whose rights have been violated with the right to sue and obtain recovery. (Title 15 U.S.C. § 1681n for willful violations and statutory damages, and Title 15 U.S.C. § 1681o for negligent violations and damages.)
If You Have A Receipt That You Believe Shows Your Expiration Date Or More Than The Last Five Digits Of Your Credit Card or Debit Card, Get A Free Consultation With An Experienced Lawyer
Call 1-877-574-7100 for a free consultation. You may be able to sue and obtain a recovery.
Chant Yedalian is an experienced lawyer who has successfully pursued FACTA cases, including those brought as class action suits, against various types of merchants that provide their customers with credit card or debit card receipts. Cases include receipts provided by eateries, drink and beverage stores, food and grocery stores, clothing and apparel stores, home décor and improvement stores, metro/public transport stations, parking lots, copy and print stores, movie theatres, movie rental stores, toy stores, etc.