Washington

People must understand clearly that the theft was engineered and committed by Wells Fargo Bank. Naming a culprit does not relieve the bank from its culpability. In fact, the identity of whoever was in a position to steal, and did so, is entirely irrelevant. If the bank used that identity to escape responsibility for restitution, any corporate figures involved in such a stand, such a ploy, are as guilty of fraud and theft as the named employee. Our paperless, receipt-less, economy hangs by the fingernails of trusting depositors, vulnerable to white collar highwaymen and their feckless accomplice, employee incompetence.
As instances of internal theft and error become more prevalent, more costly, you can be sure there will be an increase of obscure fees to backstop the pilfering, the profit erosion. It's much simpler to fleece the masses than to police one's own business, especially as institutions approach mega-monopoly status. So mind-numbingly many keys to punch while time and interest accrue with mathematical predictability.