WELLS FARGO

preliminary.

The report stated that Wells Fargo had most likely underestimated how much it would cost to reimburse harmed customers. And it could force the bank to curb, or at least more closely monitor, its practices across the entire company.

In the comptroller’s report, regulators said management at the bank’s auto loan unit, Wells Fargo Dealer Services, had ignored signs of problems in the business such as consumer complaints, focusing instead on sales volume and performance. The report described its management of compliance risk — essentially the ability to abide by regulations and best practices — as “weak.” It noted that Wells Fargo in 2015 had characterized the risks associated with this business as “low.”

Wells Fargo has set aside $80 million to compensate the 570,000 customers it said were harmed by receiving auto insurance they didn’t want. The comptroller’s office said that the amount was inadequate and that the bank might have to pay out substantially more as additional victims were identified — partly because Wells Fargo’s analysis of how much money it needed to set aside excluded many years when the insurance was being imposed.

Catherine Pulley, a Wells Fargo spokeswoman, said in a statement that the bank had made significant changes in recent months to strengthen controls and oversight of insurers and outside vendors with which it does business.

“We are also working to enhance our customer care program and improve complaints resolution,” she said. “We will continue to work with regulators on the remediation and make improvements to our auto lending business to build a better Wells Fargo.”

Once the Office of the Comptroller of the Currency makes its findings formal, Wells Fargo will have time to correct the problems.