Bank Physically Wrote Checks And Mailed Them Instead Of Direct Deposit Which I Set Up.

Title basically says it all, the damages?

I had 10 late payments I was unaware of, lost 50 points on my credit and having trouble securing a decent loan with underwriters scared of my recent history.

Example check written by bank on 11/27 (27th is my withdrawal day to pay loan payment (check wasn’t cashed until 1/10)

Is there anything I can do about this? Am I responsible for knowing this has been an issue and should have fixed it sooner?

Is there any recourse I can take in a situation against a bank or did I just get boned?

It is a federal credit union, in TX