Trader Joe's $7.4 Million FACTA Receipt Settlement: Claims Closed, Estimated $102.45 Per Claimant

The case is Keim v. Trader Joe's Company, Case No. 19STCV36790, in the Los Angeles County Superior Court. Plaintiff Brian Keim alleged that Trader Joe's willfully violated the Fair and Accurate Credit Transactions Act by printing card receipts that displayed the first six and last four digits of the card number. The receipts did not show the middle digits, expiration dates, names, or addresses.

FACTA, at 15 U.S.C. Section 1681c(g)(1), bars businesses from printing more than the last five digits of a card number or the expiration date on a receipt given to the customer at the point of sale. Because FACTA is part of the Fair Credit Reporting Act, a willful violation can carry statutory damages of $100 to $1,000 per consumer under 15 U.S.C. Section 1681n, which is why a small printing error can become a large case. Our FACTA explainer covers how these receipt cases work.

Trader Joe's denies the allegations and any wrongdoing, and the court has not ruled on the merits. According to the settlement notice, only some stores printed the longer card number, only a small minority of transactions at those stores were affected, and Trader Joe's says no one reported identity theft from the receipts. The notice also says identity theft is not required to make a FACTA claim. Trader Joe's insurer is funding the settlement.

The class is defined as account holders whose credit or debit card was used in a transaction at a Trader Joe's store where the payment software formatted the receipt to show the first six and last four digits, between March 5, 2019 and July 19, 2019. The class period is only four and a half months long, from March 5, 2019 through July 19, 2019.

This is narrower than it sounds. The notice says plainly that shopping at Trader Joe's with a card during that period does not by itself make you a class member, because not all stores printed the longer number. People identified through records were sent an email or postcard with a Class ID. Cash purchases, mobile wallet purchases that printed a truncated number, and purchases outside the class period are not covered.

The standard exclusions apply, and anyone who mailed a valid exclusion request by June 9, 2026 is out of the class.

Every valid claimant gets the same share. The court-approved deductions come off the top first, and the rest is split evenly among the people who filed valid claims.

If the court approves every requested deduction in full, about $3.88 million would be left to divide, and the plaintiff's estimate works out to $102.45 per valid claim. That estimate implies roughly 38,000 claims. If more people filed, each share drops; if fewer, it rises. The court may award less in fees, which would raise payments.

None of the money goes back to Trader Joe's. Uncashed checks are redistributed in a second distribution to class members who cashed their first check, if feasible, and only after that would leftovers go as a cy pres award to the Identity Theft Resource Center. Settlement checks can be cashed for up to 180 days after the issue date printed on them.

Class members with a Class ID from their notice could file online at TJ-FACTASettlement.com, by mail to Keim v. Trader Joe's Settlement Administrator, P.O. Box 301134, Los Angeles, CA 90030-1134, or by phone at 1-888-444-7415. No receipt was required, though the administrator can ask claimants for more information to validate a claim.

The deadline to submit a claim form was June 9, 2026, and it has passed. If you filed:

• Keep your notice and any claim confirmation.
• Update your mailing address with the administrator if you move, using the contact details on the official site.
• Deposit the check promptly when it arrives, because it expires after 180 days.
• Ignore anyone who asks for a fee to speed up your payment; see our guide to settlement scams.

As of September 2026, the official settlement website still lists the August 10, 2026 fairness hearing and has not posted a final approval order or a payment date. The hearing was set for Department 9 of the Spring Street Courthouse, 312 North Spring Street, Los Angeles. The notice warns that if anyone appeals final approval, resolving it can take more than a year. Our guide on checking a settlement's status explains where updates appear first.

If you did not file by June 9, 2026, you will not receive a payment unless the administrator or court accepts late claims, which is never guaranteed. If you did not opt out by June 9, 2026, you are bound by the release and cannot bring your own FACTA claim against Trader Joe's over receipts from the class period. The release covers receipt claims tied to this issue, not unrelated disputes with the store.

People who opted out on time kept their right to sue individually. Receipt cases outside this settlement, against other retailers, are still being filed; our FACTA receipt lawsuit page explains when a receipt showing too many digits may support a claim, and a free case review can connect you with independent attorneys who handle them. For the trade-offs of leaving a class, see opting out or objecting.

Other recent payment and card-related settlements include the Wells Fargo CARES Act settlement and the Mr. Cooper convenience fee settlement. See every open settlement you can still join. Claimants should check the official settlement website linked above for the final approval ruling and payment timing.