I worked at Wells Fargo back in 2003. The emphasis on product bundling predates Stumpf and was attributed to Kovacevich when I worked there, and they were very proud of its effectiveness on the bank's bottom line. The unwanted accounts shenanigans were well in play when I started. I recall having to call branches to report this stuff and have accounts closed(phone bankers had some status back then at least, though I'm sure the branch managers ignored my whistle blowing).
You might think sales doesn't have much to do with customer service(phone bankers) right? Wrong. Every customer contact was considered a sales opportunity. The primary goal of every call was not helping the customer, it was refering a product and getting them on the line with a sales rep for "more information"(cause who doesn't want more information?!). From memory our major KPI's were close rate, referrals, and call time. You pretty much needed to refer a product on most calls to hit your numbers, regardless of whether the customer actually needed/would benefit from it. That covers referral rate, but they tighten the close rate and referral rate screws separately on you.
The goals they set were hard and getting harder at the time, but obtainable without gaming if you had no shame. Oh, gaming. Gaming was manipulating the system in any way. Opening accounts without proper customer consent was gaming. Other forms of gaming did not amount to fraud. Gaming was rife.
My best friend at the time, and still long time friend to this day, worked in the phone bank as customer service for about a year before making it to the sales team down stairs. Sales was a bit better from what I understand; we both had nightmares about customer service. After he graduated from college he was promoted to Sales Manager. He informs me that, depressingly, some of the same managers are there to this day. While he was there a few of the managers including himself were on the lookout for gaming, the rest I hear were actively for whatever was necessary to meet team numbers. I doubt even the highest person at the center gave a shit; whatever it took to appear to be hitting the numbers C-Levels set to get those bonuses.
My friend tells me he probably would have put a bullet in his head if he had not gotten out of there.
P.S. I'm still a Wells Fargo customer and recent events will not change that.