Deadline: June 9, 2026
Trader Joe's FACTA Receipt Settlement -- File a Claim by June 9, 2026
By eosguide team · Last updated April 28, 2026
Trader Joe's is settling a $7.4M class action over receipts that printed too many card digits. File a claim by June 9, 2026 for your share. Turns out printing 10 digits of your card number on a receipt is four too many -- and now there's a check in it for you.
Deadline: June 9, 2026
File Your Claim →
Applies to
Nationwide
Main deadline
June 9, 2026
Benefit
Cash payment estimated at approximately $102.45 per valid claim, distributed pro rata from the $7.4M settlement fund.
Official site
https://www.tj-factasettlement.com/
What happened
Class period: March 5, 2019 through July 19, 2019
- Plaintiff Brian Keim sued Trader Joe's in 2019 under the Fair and Accurate Credit Transactions Act (FACTA), which limits how many card digits can appear on a point-of-sale receipt
- At some Trader Joe's locations, payment processing software formatted receipts to display the first six and last four digits of customers' credit or debit card numbers -- 10 digits total, which exceeds the federal limit
- Trader Joe's denies any wrongdoing and notes that not all stores were affected, and that only a minority of transactions at affected stores generated such receipts
- No identity theft needs to have occurred -- FACTA claims do not require proof of actual harm
- Trader Joe's (through its insurer) agreed to pay $7,400,000 to resolve the lawsuit
What you can get
Cash payment
\~$102.45 estimated
Pro rata; final amount depends on number of valid claims submitted
Key dates
| Action | Date | What it means |
|---|---|---|
| Claim deadline | June 9, 2026 | Last day to file a claim |
| Opt out | June 9, 2026 | Keep your right to sue separately |
| Object | June 9, 2026 | Tell the court you disagree |
| Final hearing | August 10, 2026 at 8:30 a.m. | Judge decides whether to approve |
Who may qualify
- Used a credit or debit card at a Trader Joe's store between March 5, 2019 and July 19, 2019
- The payment processing software at that location caused your receipt to display the first six and last four digits of your card number
- Received a notice by email or postcard, OR check the official site or call (888) 444-7415 if you are unsure whether you qualify
How to file
- Go to the official settlement website at tj-factasettlement.com
- Click "File Claim" and complete the Settlement Claim Form online
- Alternatively, if you have a Class ID number, mail your completed claim form to the Settlement Administrator or call (888) 444-7415
- Submit by June 9, 2026
Proof required
- No purchase documentation is required to submit a claim
- If you received a notice with a Class ID number, have it ready when filing
- The Settlement Administrator may request additional information to validate your claim
Payment timing
Payments will be issued after the court approves the settlement at the August 10, 2026 fairness hearing and any appeals are resolved. Payments are made by check. Checks are valid for 180 days from the date of issuance. A second distribution of unclaimed funds to valid claimants may occur before any remainder is directed to the cy pres recipient.
Important links
Contact
Phone: (888) 444-7415
Email: admin@TJ-FACTASettlement.com
Mail: Keim v. Trader Joe's Settlement Administrator, P.O. Box 301134, Los Angeles, CA 90030-1134
Extra details
- Not all Trader Joe's stores were affected -- receiving a receipt for a card purchase during the class period does not automatically mean you qualify
- You do not need to have suffered identity theft or any actual harm to file a claim and receive a payment
- No portion of the settlement fund is returned to Trader Joe's -- all remaining funds after fees and costs are distributed to valid claimants
- Watch for scams: use only the official settlement site at tj-factasettlement.com
FAQ
What is this lawsuit about?
Plaintiff Brian Keim alleged that Trader Joe's printed receipts at some of its stores displaying the first six and last four digits of customers' credit or debit card numbers -- 10 digits total. Federal law under FACTA limits receipts to no more than the last five digits. Trader Joe's denies wrongdoing but agreed to settle for $7,400,000.
Who qualifies for this settlement?
You qualify if your credit or debit card was used at a Trader Joe's store between March 5, 2019 and July 19, 2019, and the payment software at that location caused your receipt to show the first six and last four digits of your card number. Not every store and not every transaction during that period was affected. If you received a notice, you likely qualify. If you are unsure, call (888) 444-7415 or visit the official website.
Do I need to have suffered identity theft to file?
No. Identity theft is not required to prove a FACTA claim. You do not need to show any actual harm -- only that your receipt displayed too many card digits during the class period.
How much money will I receive?
Payments are distributed pro rata. After deductions for attorneys' fees (up to $2,466,666.67), a $10,000 incentive award to the class representative, up to $65,000 in expenses, and up to $977,000 in administration costs, the remaining funds are split equally among all valid claimants. The estimated payout is approximately $102.45, but the final amount will depend on how many valid claims are submitted.
How do I file a claim?
Submit a Settlement Claim Form by June 9, 2026 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 calling (888) 444-7415 if you have a Class ID number from your notice.
What is the deadline?
June 9, 2026. That is the deadline to file a claim, opt out of the settlement, or submit an objection.
When will I receive my payment?
The court has scheduled a fairness hearing for August 10, 2026. Payments will be sent after approval is granted and any appeals are resolved. Checks are valid for 180 days from the issuance date. Check the official website for updates.
Can I opt out of the settlement?
Yes. Mail a written exclusion request to the Settlement Administrator postmarked no later than June 9, 2026. Your request must include the case name and number, your name and address, your personal signature, and a statement requesting exclusion. If you opt out, you will not receive a payment, but you retain the right to pursue your own claims against Trader Joe's.
What happens if I do nothing?
You will not receive any payment, and you will give up your rights to bring or continue any related claims against Trader Joe's.
Use the official website
Always confirm details on the official site. If something feels off, stop and verify before sharing personal info.
Info only. Verify details on the official site. Not legal, financial, or tax advice. Legal
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