S@ck it
In a $3 billion settlement with the federal government last month, the bank agreed that, from 2002 to 2016, the bank committed a wide swath of sales misconduct, most prominently creating accounts in customers’ names without their consent.
https://www.charlotteobserver.com/news/business/banking/article241031136.html#storylink=cpy
The cross selling did start with Norwest under D–k Kovasavich and Stumpf continued it. That was not in any way Wachovia's fault. Whomever implied that doesn't know WF history.
It’s a well documented fact that cross selling, “stores”, and sales goals came from Kovacevich and Norwest. There is nothing new and nothing to debate there. The majority of his and Stumpfs senior level enablers are gone.
Are you saying that scharf admited to congress that he was told the cross selling scandal began with Norweast?