Delivered into Debt: The Hidden Costs of Gig Economy Jobs

Forced into Costly Accounts, Delivery Drivers Pay the Price

The Consumer Financial Protection Bureau (CFPB) has taken legal action against retail giant Walmart and Branch Messenger, alleging that they deceived and exploited “last mile” delivery drivers in Walmart’s Spark Driver program. The lawsuit claims that Walmart and Branch coerced drivers into using costly deposit accounts to receive their pay, without their consent.

Unconsented Account Openings

Walmart and Branch allegedly opened Branch accounts for Spark Drivers, depositing their pay into these accounts without their knowledge or permission. Drivers were misled into believing that using Branch was mandatory, and that failure to comply would result in termination.

Misleading Promises and Hidden Fees

The companies also made false promises about same-day access to earnings, when in reality, drivers faced a complex process to access their funds. Once they finally gained access, they were hit with further delays or fees when transferring their earnings to an account of their choice. This resulted in drivers paying over $10 million in unnecessary fees.

A Pattern of Exploitation

“Walmart made false promises, illegally opened accounts, and took advantage of more than a million delivery drivers,” said CFPB Director Rohit Chopra. “Companies cannot force workers into getting paid through accounts that drain their earnings with junk fees.” This lawsuit highlights the need for greater protection for workers from exploitative practices.

Protecting Workers’ Rights

The CFPB’s action serves as a warning to companies that exploit their workers. By taking a stand against these unfair practices, the agency is fighting to ensure that workers are treated fairly and with respect. As the lawsuit unfolds, it will be important to monitor the outcome and its implications for workers’ rights.

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