I've been lucky to have stable employment and have never missed a mortgage payment in my entire life.  Earlier this year I used my bank's website to setup Auto Draft for a refinanced mortgage which failed, and caused me to miss a payment.  The result was a hit on my credit.Setup Date: 1/21/2021
First Draft Date: 2/1/2021This auto draft failed, and the bank claims that not enough time was given between setting up the draft, and the first draft.  This seems like a weak excuse, because my bank account was already approved in their system (this was a refinance with the same bank, who I had been auto drafting for years from).The only correspondence I received after the failure, was a physical letter in the mail 15 days later (2/15/2021).  This was lost, probably in the jumble of junk mail I get from this bank having sold my information to third parties.  Anyone with a mortgage knows this pain.After not noticing, and not receiving any notification (other than physical mail) ... 30 days passed and I was given a delinquency hit on my credit.No email was sent alerting me of the failed auto draft.
No SMS message was sent.
No phone call within the 30 days of auto draft failure.
Nothing on their dashboard indicating a failure.How can I fight back against this?  Bank is stonewalling me claiming that when I setup the auto draft, it listed when the first draft would take effect, and that this was 3/1.  That was presented flatly, without any warning, and I probably glossed over the "success" of setting up auto pay.It seems I'm being screwed by a bare minimum effort from the bank here.  They did almost nothing after the auto draft failed to help me realize the failure.  Furthermore, the draft failing in the first place shouldn't have happend.What recourse do I have?  What regulations exist regarding bank software?