Traded in my vehicle and penalized for making my payment

Traded in my bmw to a dealer on 8/13/26 Payment was technically 1 day late at the time but there was a 10 day grace period so I had 9 days left. Dealers trade in payment didn’t post by the time my 10 day grace period was over so I went online and found the best course of action was paying it myself and getting the refund check with my car payment at a later date once it was fully paid off. Fast forward to today and the dealers payment finally posted and clear my balance. The only thing is my refund is going to be short about $70 due…

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