The specific problem found within the comapny is that”The bank admitted that employees had opened as many as 3.5 million ohantom accounts in customers.”names to meet stratospheric sales goals.”

Evidennce of the problem:

We know this problem exists because of the fraudulent lawsuits for phantom bank accounts and unwarranted fee against Wells Fargo in 2016.

Body Paragraph #3 (500 Words) How it affects customers: 

      Late fees

      Impounded Vehicles 

      Credit Issues 

Resources: 

• https://www.govinfo.gov/content/pkg/CHRG-116hhrg36462/pdf/CHRG-116hhrg36462.pdf (Consumer abuse).