Wells Fargo 因車貸、房貸、支票戶口等一系列錯誤被 CFPB 開出 $3.7B 巨額罰單，總計影響了 1600 百萬個賬戶。其中 $2B 將賠償給那些受影響的用戶，$1.7B 將支付給 CFPB 作為罰款。

具體原因如下

  • 車貸和房貸由於系統錯誤，付款出現問題，導致被收取額外費用和利息
  • 房貸更改申請被拒
  • debit 支付和 ATM 提款被錯誤收取 overdraft fee
  • 賬戶被無故凍結，費用豁免未有成功處理
  • Unlawfully repossessed vehicles and bungled borrower accounts: Wells Fargo had systematic failures in its servicing of automobile loans that resulted in $1.3 billion in harm across more than 11 million accounts. The bank incorrectly applied borrowers’ payments, improperly charged fees and interest, and wrongfully repossessed borrowers’ vehicles. In addition, the bank failed to ensure that borrowers received a refund for certain fees on add-on products when a loan ended early.
  • Improperly denied mortgage modifications: During at least a seven-year period, the bank improperly denied thousands of mortgage loan modifications, which in some cases led to Wells Fargo customers losing their homes to wrongful foreclosures. The bank was aware of the problem for years before it ultimately addressed the issue.
  • Illegally charged surprise overdraft fees: For years, Wells Fargo unfairly charged surprise overdraft fees - fees charged even though consumers had enough money in their account to cover the transaction at the time the bank authorized it - on debit card transactions and ATM withdrawals. As early as 2015, the CFPB, as well as other federal regulators, including the Federal Reserve, began cautioning financial institutions against this practice, known as authorized positive fees.
  • Unlawfully froze consumer accounts and mispresented fee waivers: The bank froze more than 1 million consumer accounts based on a faulty automated filter’s determination that there may have been a fraudulent deposit, even when it could have taken other actions that would have not harmed customers. Customers affected by these account freezes were unable to access any of their money in accounts at the bank for an average of at least two weeks. The bank also made deceptive claims as to the availability of waivers for a monthly service fee.

如果你有它家的 checking/saving 戶口，或者有車貸和房貸，建議留意一下相關資料，到時應該會有賠償。