It's hard, in this situation, to say what "Wells Fargo" really wanted since Wells Fargo is just a corporation without any brain of it's own. I'd be perfectly willing to believe that Upper Management would have been horrified at the situation if they'd known. But at the same time this seems to have been pretty widespread within some level of lower management.

Which one is really Wells Fargo? That's not a question with a real answer unless you specify why you're asking. From the perspective of an investor it would be wise to treat upper management as the real Wells Fargo. But for a customer the fraudy bits are the ones you're interacting with.