BMW Financial Services Consumer Loan Complaint

BMW Financial Services Consumer Loan department,

Vehicle lease Managing the loan or lease California

-/-/2015 I paid my -/-/- lease payment and set up auto pay for the account. The auto pay did not work. I noticed that the funds were not withdrawn from my account in -/-/- by which time I was past due over 30 days and I was reported to the credit agencies. In researching this, it came to light that BMW FS sends out a reminder email within a week after a missed payment. In my case there was a " clerical error '' which has been admitted by BMW. Yet they will not acknowledge that it is unfair that I was the only customer of theirs that did not receive an email or notice and hence affecting my perfect credit profile adversely. I have had - leases with BMW and spent over - without being late- and yet they refuse to see the correlation between a wring email and lack of notification ( when I set up auto pay thinking all is well ) and the situation that I am in. They also claim their third party sub contractor called me, yet I have no message or record of it ( I have provided my phone bills to them. ) They keep telling me that it is my responsibility - how about a functioning website and having my email input correctly- whose responsibility is that? I believe my track record speaks for itself. Yet they keep telling me by law they have to report me and can not do anything and from what I have been told and have read that is simply not true. Simply put, why was I excluded from learning of the situation with my account by a misspelled email address in their system- which they have admitted to?