Wells Fargo employees opened as many as 3.5 million unauthorized checking accounts, savings accounts, and credit cards without customers' consent. Under extreme pressure from supervisors enforcing cross-selling quotas, employees fabricated accounts to earn bonuses. The CFPB fined the bank $185 million initially. Approximately 5,300 employees were fired. By 2018, total settlements had reached nearly $3 billion. The fraud represented a systemic corporate culture problem driven from the top, not isolated misconduct.