In follow-up to my complaint number XXXX, SPS has yet to address their correspondence and request to set-up automatic drafts of my account that was mailed to me in XXXX XXXX. Instead they continue to turn back to the excessive auto-draft, but this was not the only issue. My complaint arises from more than that singular issue, but the series of errors that SPS made and then refused to address or correct. SPS keeps stating that the only issue was their overdraft of my account which took place under authority I extended them back in XXXX. If this was truly the case, why send me a letter and form to set-up auto-drafts with my loan modification documents in XXXX XXXX in order to maintain currency on my accounts? Per SPS 's statement, this would not be necessary because supposedly they already had my authority ... though their customer service team throughout my loan modification process continually stated otherwise and that I would need to set-up a new auto-draft once my modification was complete. SPS continues to lie about their actions and responses and this is why I will continue my protest until I am made whole. It is SPS 's correspondence of XXXX XXXX that contained the instructions to complete the auto draft form, submit it, and in the interim make check payments. It is this written request and direction from SPS which made me mail payments for my XXXX and XXXX mortgage even though they had already removed an excessive amount from my bank account ( I just was not aware of it yet ). From there, SPS attempted to process XXXX these checks - not once but twice after I had already contacted them about the error in their overdraft. Despite my repeated requests for correction, SPS failed to respond for months, specifically from XXXX XXXX through XXXX XXXX. It was after I filed a complaint with CFPB that SPS slowly began addressing pieces of the fall out to me. In lieu of acknowledging their error, they preferred to refuse to credit my mortgage accounts appropriately, refused to credit me the {$110.00} in bank fees I incurred, and instead decided to report my account as late to credit bureaus because of the {$110.00} ( disputed amount ). I should not be penalized for SPS 's errors with late reports on my credit when I have not been late ... only defrauded. It is this type of unscrupulous behavior why CFPB was formed to help protect consumers against. 
