富国银行因剥削军人而面临法律清算

针对富国银行提起集体诉讼，指控其十多年来向军人信用卡收取过高的利息和费用。原告声称该银行违反了《军人民事救济法》(SCRA)，该法案保护部署的军人免受过高利率的影响。该诉讼称，富国银行故意针对军事人员，导致贷款余额增加和复利费用增加。该银行尚未对此案作出回应。

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

富国银行因系统性剥削军人而面临法律清算

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.

针对银行业巨头富国银行提起了一起重磅诉讼，指控其长达十年的掠夺性向军人收取过高的信用卡利息和费用，公然违反了联邦法律。该集体诉讼由原告卡明·诺林 (Carmin Nowlin)、塔米卡·黑利 (Tamika Haley) 和耶稣·罗德里格斯 (Jesus Rodriguez) 提起，指控富国银行故意藐视《军人民事救济法》(SCRA) 的规定，该法案是一项基本法规，旨在保护已部署的军人免受过度的经济负担。

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 规定，现役军人持有的贷款和信用卡利率不得超过 6%，这是应对海外服役常见的经济困难的重要保障。然而，原告指控富国银行系统性地无视这一授权，向军人收取过高的利率和费用。这种不合理的做法导致贷款余额膨胀和复利费用增加，进一步加重了那些已经为国家做出巨大牺牲的人们的负担。

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.

该诉讼进一步声称，富国银行的掠夺性行为并非孤立事件，而是一场精心策划的计划，旨在利用军人家庭的脆弱性。通常部署在偏远或冲突地区的军人特别容易受到这些虐待，因为他们不太可能定期监控自己的财务账户。原告声称，富国银行故意针对这些人，因为他们知道他们不太可能发现多收费并寻求补救。

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 年才发现富国银行违规行为的严重程度，引发了人们对该银行试图隐瞒其不当行为的担忧。他们的指控描绘了一幅金融机构将利润置于为国家服务的人们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.

富国银行尚未公开回应这起诉讼，但这些指控在金融业和军事界引起了震动。这起最新的丑闻增加了针对该银行的越来越多的指控，其中包括最近的一个案例，一名客户声称富国银行未能在七个月内保护她的账户免受未经授权的提款。

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.

该诉讼清楚地提醒人们，让企业对其行为负责的重要性，特别是当这些行为影响到弱势群体的生计时。原告勇敢地决定站出来要求伸张正义，为其他因掠夺性金融行为而受到冤屈的人树立了榜样。随着法律程序的展开，富国银行必须对其涉嫌系统性剥削军人的行为承担责任，并采取适当的补救措施以防止未来再次发生此类虐待行为。