富國銀行因剝削軍人而面臨法律清算

針對富國銀行提起集體訴訟，指控其十多年來向軍人信用卡收取過高的利息和費用。原告聲稱該銀行違反了《軍人民事救濟法》(SCRA)，該法案保護部署的軍人免受過高利率的影響。訴訟稱，富國銀行故意針對軍事人員，導致貸款餘額增加和複利費用增加。該銀行尚未對此案作出回應。

Wells Fargo Faces Legal Reckoning for Systemic Exploitation of Military Service Members

富國銀行因係統性剝削軍人而面臨法律清算

A bombshell lawsuit has been filed against banking behemoth Wells Fargo, alleging a decade-long pattern of predatory overcharging of military service members on credit card interest and fees, in brazen violation of federal law. The class action suit, brought forth by plaintiffs Carmin Nowlin, Tamika Haley, and Jesus Rodriguez, accuses Wells Fargo of deliberately flouting the provisions of the Servicemembers Civil Relief Act (SCRA), a bedrock statute designed to safeguard deployed service members from excessive financial burdens.

針對銀行業巨頭富國銀行提起了一起重磅訴訟，指控其長達十年的掠奪性向軍人收取過高的信用卡利息和費用，公然違反了聯邦法律。該集體訴訟由原告卡明·諾林(Carmin Nowlin)、塔米卡·黑利(Tamika Haley) 和耶穌·羅德里格斯(Jesus Rodriguez) 提起，指控富國銀行故意藐視《軍人民事救濟法》( SCRA) 的規定，該法案是一項基本法規，旨在保護已部署的軍人免受過度的經濟負擔。

The SCRA mandates that interest rates on loans and credit cards held by military personnel on active duty cannot exceed 6%, an essential protection against the economic hardships often associated with overseas service. However, the plaintiffs allege that Wells Fargo systematically disregarded this mandate, charging exorbitant interest rates and fees to military members. This unconscionable practice resulted in inflated loan balances and compounding interest charges, further burdening those who have already sacrificed so much for their country.

SCRA 規定，現役軍人持有的貸款和信用卡利率不得超過 6%，這是應對海外服役常見的經濟困難的重要保障。然而，原告指控富國銀行系統性地無視這項授權，向軍人收取過高的利率和費用。這種不合理的做法導致貸款餘額膨脹和複利費用增加，進一步加重了那些已經為國家做出巨大犧牲的人們的負擔。

The lawsuit further alleges that Wells Fargo's predatory practices were not isolated incidents but rather a calculated scheme to exploit the vulnerabilities of military families. Service members, often deployed in remote or conflict-ridden areas, were particularly susceptible to these abuses, as they were less likely to monitor their financial accounts regularly. The plaintiffs claim that Wells Fargo deliberately targeted these individuals, knowing that they would be less likely to detect the overcharges and seek redress.

該訴訟進一步聲稱，富國銀行的掠奪性行為並非孤立事件，而是一場精心策劃的計劃，旨在利用軍人家庭的脆弱性。通常部署在偏遠或衝突地區的軍人特別容易受到這些虐待，因為他們不太可能定期監控自己的財務帳戶。原告聲稱，富國銀行故意針對這些人，因為他們知道他們不太可能發現多收費並尋求補救。

The plaintiffs discovered the extent of Wells Fargo's violations only in 2022, raising concerns about the bank's efforts to conceal its misconduct. Their allegations paint a damning picture of a financial institution prioritizing profit over the well-being of those who serve their country.

原告直到 2022 年才發現富國銀行違規行為的嚴重程度，引發了人們對該銀行試圖隱瞞其不當行為的擔憂。他們的指控描繪了一幅金融機構將利潤置於為國家服務的人們的福祉之上的可怕景象。

Wells Fargo has yet to respond to the lawsuit publicly, but the allegations have sent shockwaves through the financial industry and the military community. This latest scandal adds to a growing list of accusations against the bank, including a recent case where a client alleged that Wells Fargo failed to protect her account from unauthorized withdrawals for seven months.

富國銀行尚未公開回應這起訴訟，但這些指控在金融業和軍事界引起了震動。這起最新的醜聞增加了針對該銀行的越來越多的指控，其中包括最近的一個案例，一名客戶聲稱富國銀行未能在七個月內保護她的帳戶免受未經授權的提款。

The lawsuit serves as a stark reminder of the importance of holding corporations accountable for their actions, especially when those actions affect the livelihoods of vulnerable populations. The plaintiffs' courageous decision to come forward and demand justice sets an example for others who have been wronged by predatory financial practices. As the legal process unfolds, it is imperative that Wells Fargo be held to account for its alleged systemic exploitation of military service members and that appropriate remedies be put in place to prevent such abuses from occurring in the future.

該訴訟清楚地提醒人們，讓企業對其行為負責的重要性，特別是當這些行為影響到弱勢群體的生計時。原告勇敢地決定站出來要求伸張正義，為其他因掠奪性金融行為而受到冤屈的人樹立了榜樣。隨著法律程序的展開，富國銀行必須對其涉嫌系統性剝削軍人的行為承擔責任，並採取適當的補救措施以防止未來再次發生此類虐待行為。