Tavistock Restaurants Accused Of Printing Too Much Payment Card Info On Receipts

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A proposed class action lawsuit claims that Tavistock Restaurants Upscale Group Holdings has violated the federal Fair and Accurate Credit Transactions Act (FACTA) by printing more than the last five digits of customers’ credit or debit card numbers on receipts.

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The 16-page complaint contends that the Tavistock Group, which operates upscale restaurants in Massachusetts—including Abe & Louie’s, Atlantic Fish, Coach Grill, and Joe’s American Bar & Grill—and in Florida, Georgia and Nevada, unlawfully issued receipts displaying the first six and last four digits of customers’ payment card numbers.

According to the lawsuit, FACTA, a 2003 amendment to the federal Fair Credit Reporting Act, prohibits merchants that use point-of-sale (POS) systems from printing more than the last five digits of a credit or debit card number or its expiration date on electronically printed receipts.

The suit explains that Congress enacted FACTA to help prevent fraud and identity theft by limiting the disclosure of sensitive financial information. Importantly, the complaint notes that consumers need not suffer actual identity theft for a FACTA violation to materialize, as the law is intended to prevent such harm before it occurs.

The case states that merchants have long been on notice of receipt-truncation requirements before FACTA’s compliance deadline, given that major payment card networks, including Visa, MasterCard, and American Express, have required merchants to limit the private card information displayed on receipts.

According to the complaint, Tavistock “knowingly and/or recklessly” failed to ensure that its POS systems were configured to comply with FACTA. The case mentions that POS systems and receipt formatting are controlled at the corporate level and applied uniformly across all of the company’s restaurants.

The plaintiff, a Massachusetts resident, claims to have used a credit card at Abe & Louie’s in February 2026 and received an electronically printed receipt that displayed the first six and last four digits of her card number, as well as the card brand and type. The consumer alleges that she did not immediately secure the receipt and that it may have been left on a table or otherwise visible to others in the restaurant.  

The plaintiff says that, as a result, she spent time monitoring her financial accounts and enrolling in a credit monitoring service to guard against the potential misuse of her credit card information.

The Tavistock class action lawsuit seeks to represent all individuals in the United States who, within two years prior to the case’s filing and continuing through the date of judgment, used a credit or debit card at a Tavistock-owned or -operated restaurant and received an electronically printed receipt displaying more than the last five digits of their card number. 

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