Without question, things went terribly wrong here for the former employer Wells Fargo. Not only did Claimant Wells Fargo apparently fumble the ball and lose the case, but, to make matters worse, it was stripped of the ball by a pro se litigant.  Losing to a skilled arbitration lawyer is one thing -- but to lose to an unrepresented former employee...ouch!  Worse, the Arbitration Panel's somewhat snarky comment about the lack of evidence (or even the lack of an argument) by Wells Fargo on behalf of its claimed overpaid commissions suggests that Claimant may have been a tad overconfident about how easy it would be beat Respondent Newman.