After I enrolled in automatic debit for monthly payment, New American Funding debited XXXX payments for the XXXX payment from my checking account, once on XXXX XXXX and the XXXX on XXXX XXXX. The loan payments were not overdue and there is other legal basis for taking the XXXX payment. They applied the XXXX payment to XXXX even though I repeatedly asked for the money back. I did not authorize the taking of any extra money, just the payment due for XXXX month at a time. They refused to explain why the extra payment was taken and refused to put it back into my account the same way they withdrew it. This was an overdraft in my checking account. I have no resources to cure the overdraft, so my bank levied {$34.00} overdraft fees at least XXXX times + another {$10.00} for transferring my entire savings to checking even though it was n't enough to cure the overdraft. After pleading on the phone with their agent XXXX XXXX she told me it was arranged for the money to be put directly back into my account and gave me confirmation # XXXX. After 2 days, I contacted XXXX XXXX to tell her the money had not been deposited. She replied a check would be mailed on XXXX XXXX. New American Funding would reimburse a stop payment fee but not any overdraft fees. By the time that check arrives and I take it to my bank to put in my account it will be 3 weeks since it was taken. New American Funding cost me much more than the extra payment, I have multiple bank fees and expect late payment fees from various creditors who could not be paid on time. That alone impairs my credit record. I am retired and live on a fixed income that is just enough to cover my needs and put a little aside in savings, so without that money my family & I are suffering severe hardship we needed that {$1300.00} for food, utilities, fuel and other necessities of life. 
