But regulators rejected the bank's payout plan this summer and told Wells Fargo it must do more to make sure that it can find and repay everyone who was overcharged, Reuters reported in September. Customers who were charged for unneeded insurance could face overdraft fees, damaged credit or vehicle repossession. As part of its settlement agreement, Wells Fargo had to review several years' worth of bank and insurance paperwork for those customers. In the letter, Wells Fargo said it will make "appropriate adjustments" to consumer credit scores that might have been hurt by the improper insurance.