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TriGreen Equipment Card Expiration Dates on Receipts FACTA Class Action

Identity theft becomes more of a problem every day, and the Fair and Accurate Credit Transactions Act (FACTA) seeks to protect consumers by limiting the amount of information that can be printed on a store’s point-of-service receipt. The complaint for this class action alleges that TriGreen Equipment, LLC has violated FACTA by printing credit and debit card expiration dates on customer receipts.

The class for this action is all persons in the US who (1) used a credit or debit card (2) for a transaction at one of TriGreen’s retail locations and (3) were give a point of sale receipt that showed more than the last five digits of the card’s number or the expiration date of the card, (4) between March 8, 2017 and the date of certification of the class in this case.

TriGreen is not a small company. It sells and services land equipment, such as tractors, lawn care equipment, and utility vehicles. Its twenty-one locations are in Tennessee, Alabama, and Mississippi.

Plaintiff Tina Doherty bought some items from a TriGreen store in Alabama on July 19, 2018. She used a debit card to pay for the purchase and was given a printed receipt. That receipt contained four digits of her debit card number and the card’s expiration date. 

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

Furthermore, the law has been in effect for a good number of years. Congress passed the law in 2003 to “restrict the amount of information available to identity thieves.” However, it did not put the law into effect until the end of 2006, to give businesses adequate time to prepare.

During the run-up time and thereafter, card companies like Visa, MasterCard, and American Express have alerted companies and imposed their own similar rules to protect consumers. For example, the August 2006 Rules for Visa Merchants required that “only the last four digits of an account number should be printed on the customer’s copy of the receipt” and that “the expiration date should not appear at all.” Visa required compliance with this by July 1, 2008, five months before the law went into effect.

Because some merchants were slow to comply, Congress absolved of responsibility all businesses that were not in compliance by June 3, 2008.

Now, some fifteen years after the law was passed and more than ten years after that amnesty, it would seem that companies have had ample time to reprogram their card-acceptance equipment or to get new equipment. 

Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

TriGreen Equipment Card Expiration Dates on Receipts FACTA Complaint

March 8, 2019

Identity theft becomes more of a problem every day, and the Fair and Accurate Credit Transactions Act (FACTA) seeks to protect consumers by limiting the amount of information that can be printed on a store’s point-of-service receipt. The complaint for this class action alleges that TriGreen Equipment, LLC has violated FACTA by printing credit and debit card expiration dates on customer receipts.

trigreen_equpiment_facta.pdf

Case Event History

TriGreen Equipment Card Expiration Dates on Receipts FACTA Complaint

March 8, 2019

Identity theft becomes more of a problem every day, and the Fair and Accurate Credit Transactions Act (FACTA) seeks to protect consumers by limiting the amount of information that can be printed on a store’s point-of-service receipt. The complaint for this class action alleges that TriGreen Equipment, LLC has violated FACTA by printing credit and debit card expiration dates on customer receipts.

trigreen_equpiment_facta.pdf
Tags: Expiration Date Printed, FACTA