BMW Financial Services Consumer Loan Complaint

BMW Financial Services Consumer Loan department,

Vehicle loan Managing the loan or lease Maryland

I requested a due date change from bmw financial in - 2015. They advised that the process would take 60-90 days. My payments were set up on weekly disbursements from my bank account. Once the due date change the final payment for -/-/- ( i believe ) posted on the - day and BMW marked me as late with all - credit agencies. It was to my understanding that an account had to be 31 days late to be reported delinquent with the credit bureaus. I asked them to remove the late. I have disputed it. Im trying to get the vehicle refinanced with my credit union and was told that the late from BMW dropped my scores to where they cant fund the entire deal. I need assistance as this was not intentional nor is it the standard reporting process for lending institutions