扯！美富國銀驚爆200萬假帳戶 5300位行員遭解雇！2 小時前鉅亨網編譯張正芊
美國市值最大銀行富國銀行 (Wells Fargo)(WFC-US) 周四 (8 日) 遭美國當局判罰 1.85 億美元，因該行行員為了製造業績，竟違法捏造多達 200 萬個存款及信用卡帳戶，並造成不知情的客戶遭收取費用。該行已因此開除 5300 位涉案行員，此外還另須賠償客戶 500 萬美元。
富國銀在全美共有 4000 萬零售客戶。美國消費者金融保護局 (CFPB) 指出，該行行員為了達到業績目標及賺取獎金，竟利用客戶資料捏造假的電子郵件地址及 PIN 碼，來虛設網路銀行帳號，並造成不知情的客戶繳納費用。
富國銀並未承認或否認指控，但同意與 CFPB、美國財政部金管局 (OCC) 及洛杉磯市檢察署達成民事和解，支付上述罰金。其中 1 億美元繳給 CFPB 的民事懲罰基金，3500 萬付給 OCC，其餘 5000 萬則繳交洛杉磯市及郡。這也是 CFPB 成立 5 年以來，判過的最高罰金。
根據當局公布的資料，涉案的富國銀行員將存戶資金私自轉入新設的假戶頭，造成客戶原帳戶資金不足，而遭收取費用甚至透支罰金。他們還私自開立 565443 個信用卡帳戶，其中 1.4 萬個帳戶違法向客戶收取總額 40 萬美元的年費、利息及透支費。
富國銀證實，過去 5 年已開除 5300 位採取「不當銷售行為」的行員，但強調他們的分行共雇用多達 10 萬名員工。不過，加州檢察署去年 5 月才對富國銀提告，指控該行強迫客戶購買不需要或未要求的昂貴金融產品。

未經客戶同意，自動開好帳戶、信用卡，
這實在很扯，比扯鈴還扯！

茲代老巴答覆如下：

我們注重經理人要有誠信。
WFC在之前就列為入圍名單了，
當時不知公司的誠信有問題。

出事之後股價跌了下來，
低點時研判公司體質不變，股價不會更低了，
所以建議持股續抱，認為將來有機會抱到貴才賣。

請問，這樣怎麼同學認為老巴我不重視誠信問題呢？
WFC亂搞，我不是罵過了。

－－－－－－－－－－－－－－－－－－－－－－－－－

以後舉凡入圍名單誠信出問題者，
請自行代換主詞

哈! 哈! 哈!


看到比 兆豐銀 還扯的。


兆豐銀，果然是在地的，捅婁子都比不上.....所謂的金融先進國家同業。

這真的是讓人傻眼~

預期報酬已到12%

天呀，祖師爺居然要買富國銀行，越來越看不懂祂的投資方式了。

更正，是賣富國銀行

看新聞請將內容看完,別只看大標題~

並非看壞 只是不想被審查 巴菲特將賣富國銀行900萬股!

巴菲特旗下 Berkshire Hathaway(波克夏) 公司周三表示，已經撤回向美國聯準會提交，增持富國銀行 (Wells Fargo) (WFC-US) 持股至 10% 以上的申請，相反地，他們準備賣出 900 萬股股份，以確保持股低於這個限制。

由於富國銀行去年股票回購，造成波克夏的持股比例超出 10%，根據美國監管法規，如果持股超過 10%，需向聯準會申報，並進行審查。

波克夏指出，經過幾個月與聯準會官員討論後，公司認為，如果為了保持高比例持股，而必須做出承諾，將實質性限制公司與富國銀行的商業活動。

[ 本帖最後由 林祐丞 於 2017-4-13 13:28 編輯 ]

謝謝祐丞桑，真的沒仔細看完全文。

The Federal Reserve on Friday announced it was forcing Wells Fargo to oust board members and limit its growth, responding to a wave of abuses at the San Francisco giant that include opening accounts for customers who didn’t request them.
In the last major move of Chairwoman Janet Yellen’s reign at the central bank, the Fed said it won’t let Wells Fargo WFC, -2.20%   add assets beyond the level of the end of 2017 until it improves governance and controls. Wells Fargo ended 2017 with $1.95 trillion in assets.
Wells Fargo will be able to continue current activities including accepting customer deposits or making consumer loans, the Fed said.
“We cannot tolerate pervasive and persistent misconduct at any bank and the consumers harmed by Wells Fargo expect that robust and comprehensive reforms will be put in place to make certain that the abuses do not occur again,” Yellen said in a statement. “The enforcement action we are taking today will ensure that Wells Fargo will not expand until it is able to do so safely and with the protections needed to manage all of its risks and protect its customers.”
The asset cap is unprecedented, according to Federal Reserve officials.
Federal Reserve officials didn’t say it was specifically planned for Yellen’s last day — and they said the bank agreed to the terms on Friday afternoon.
The Fed cited not only the millions of customer accounts Wells Fargo opened without authorization but also more recent revelations that the bank charged hundreds of thousands of borrowers for unneeded guaranteed auto protection or collateral protection insurance for their automobiles.
Wells Fargo will replace three current board members by April and a fourth board member by the end of the year, the Fed said. Sen. Elizabeth Warren, the Massachusetts Democrat, had requested the Fed oust Wells Fargo board members. The Fed didn’t identify which board members will have to leave.
The Fed also singled out Stephen Sanger, the former lead independent director, and former CEO John Stumpf with letters excoriating them for the abuses.
The vote for the sanctions was 3-0, with the incoming chairman, Jerome Powell, joining Yellen and Gov. Lael Brainard. The new vice chairman for regulation, Randal Quarles, abstained.
Quarles previously said he would recuse himself from Wells Fargo matters because he and his family previously had a financial interest in the bank.
In after-hours trade late Friday, Wells Fargo shares dropped over 5%.