Metrobank reported missed payment even though I'd transferred funds before deadline

joodlemcnoodle

Sorry not sure what silly game you are referring to, of if that was directed at me? I'm not playing any games with Metrobank or anyone else, and I don't think that comment was called for.  I would like to be treated fairly as a customer and if there is a risk of them reporting something on my credit file, I would expect that to be made very clear.  By comparison the Barclays website states it very clearly on their current account page so I don't know why Metrobank think it's acceptable to have something like that buried in the depths and it doesn't appear on any searches on their site. 
With regards my post on here,  I am simply asking for some advice, I'm not trying to catch anyone out.  I have done my best to maintain an excellent credit record for many years and it is only recently that i've had to use my overdraft facility due to increased building costs.  I'm not asking for anyone to tell me off and be patronising, merely for some constructive advice if they know of any way to resolve this.  If there isn't, then fine, but please don't feel the need to patronise me.  
Thank you to everyone for your advice.  I will be following it up because I don't believe they have treated me fairly, given there seems to be a standard grace period allowed from most banks/ creditors.  Even the branch manager agreed it wasn't right.  

Thrugelmir

joodlemcnoodle said:

Deleted_User said:

If you don't pay a bill, then a company writes to you and gives you a deadline to pay it or they will report to to credit agencies etc.

Not sure where you are getting this from. Any missed payment can be reported to the CRA immediately, firms do not have to write to you and give you a deadline. If you are constantly in your OD then that could well be the reason why you were declined not this single payment. Perhaps you could try for a 0% money transfer card if you need cash rather than trying for a re-mortgage

The lender said it is the single missed payment that is the reason for their decision not the overdraft. 

Who at the lender informed you of this? Majority of the review process of the data held by CRA's is driven by algorithms.  

ThisnotThat

joodlemcnoodle said:

Sorry not sure what silly game you are referring to, of if that was directed at me? I'm not playing any games with Metrobank or anyone else, and I don't think that comment was called for.  I would like to be treated fairly as a customer and if there is a risk of them reporting something on my credit file, I would expect that to be made very clear.  By comparison the Barclays website states it very clearly on their current account page so I don't know why Metrobank think it's acceptable to have something like that buried in the depths and it doesn't appear on any searches on their site. 
With regards my post on here,  I am simply asking for some advice, I'm not trying to catch anyone out.  I have done my best to maintain an excellent credit record for many years and it is only recently that i've had to use my overdraft facility due to increased building costs.  I'm not asking for anyone to tell me off and be patronising, merely for some constructive advice if they know of any way to resolve this.  If there isn't, then fine, but please don't feel the need to patronise me.  
Thank you to everyone for your advice.  I will be following it up because I don't believe they have treated me fairly, given there seems to be a standard grace period allowed from most banks/ creditors.  Even the branch manager agreed it wasn't right.  

Reporting you as being in an unauthorised overdraft is not treating you unfairly.  In fact, they're legally obliged to do it.  You are not going to get anywhere with this complaint, and you are going to waste everyone's time and money in doing so.  But I know I won't convince you not to do it, it's the same story we see time and time again.  People claim they want advice, but when the advice doesn't agree with them, they start arguing and ultimately ignore it.

In reference to the silly game comment, I stand by it.  I see it time and time again on these forums, and saw it in a previous life working for a bank.  People try to get you on the back foot, by saying "well you're not perfect either" as if that matters.  You have done it three times with Metro.  Once when you commented on them taking debit interest payments early (I suspect this is an error on your part and it isn't early at all), again when you brought up the mental health thing (totally irrelevant) and again when you erroneously claimed that the 48-hour deadline had anything to do with them reporting to the CRA's.  I've been (roughly) in the position Metro Bank have been with you, and I can tell you that as soon as you start making silly accusations about me (and it was always me not the bank) doing something wrong, my natural instinct was to get defensive myself and it never ended well for that particular customer.  Catch more flies with honey than vinegar and all that.  I half suspect that if you'd been apologetic and asked for forgiveness, they might have let you off (even if it would have been a breach of the DPA) but, well, that ship has long since sailed.

I wish you the best of luck with your complaint but you're in the wrong here.

joodlemcnoodle

ThisnotThat said:

joodlemcnoodle said:

Sorry not sure what silly game you are referring to, of if that was directed at me? I'm not playing any games with Metrobank or anyone else, and I don't think that comment was called for.  I would like to be treated fairly as a customer and if there is a risk of them reporting something on my credit file, I would expect that to be made very clear.  By comparison the Barclays website states it very clearly on their current account page so I don't know why Metrobank think it's acceptable to have something like that buried in the depths and it doesn't appear on any searches on their site. 
With regards my post on here,  I am simply asking for some advice, I'm not trying to catch anyone out.  I have done my best to maintain an excellent credit record for many years and it is only recently that i've had to use my overdraft facility due to increased building costs.  I'm not asking for anyone to tell me off and be patronising, merely for some constructive advice if they know of any way to resolve this.  If there isn't, then fine, but please don't feel the need to patronise me.  
Thank you to everyone for your advice.  I will be following it up because I don't believe they have treated me fairly, given there seems to be a standard grace period allowed from most banks/ creditors.  Even the branch manager agreed it wasn't right.  

Reporting you as being in an unauthorised overdraft is not treating you unfairly.  In fact, they're legally obliged to do it.  You are not going to get anywhere with this complaint, and you are going to waste everyone's time and money in doing so.  But I know I won't convince you not to do it, it's the same story we see time and time again.  People claim they want advice, but when the advice doesn't agree with them, they start arguing and ultimately ignore it.

In reference to the silly game comment, I stand by it.  I see it time and time again on these forums, and saw it in a previous life working for a bank.  People try to get you on the back foot, by saying "well you're not perfect either" as if that matters.  You have done it three times with Metro.  Once when you commented on them taking debit interest payments early (I suspect this is an error on your part and it isn't early at all), again when you brought up the mental health thing (totally irrelevant) and again when you erroneously claimed that the 48-hour deadline had anything to do with them reporting to the CRA's.  I've been (roughly) in the position Metro Bank have been with you, and I can tell you that as soon as you start making silly accusations about me (and it was always me not the bank) doing something wrong, my natural instinct was to get defensive myself and it never ended well for that particular customer.  Catch more flies with honey than vinegar and all that.  I half suspect that if you'd been apologetic and asked for forgiveness, they might have let you off (even if it would have been a breach of the DPA) but, well, that ship has long since sailed.

I wish you the best of luck with your complaint but you're in the wrong here.

I am not playing any games and i went into the branch to ask for help and was very polite.  The branch manager agreed with me that it was unclear and unfair.  
The statements state interest is taken on 28th of the month or the next working day. They have taken it 2 or 3 days early on 3 occasions.  
I never claimed to be perfect but I also think banks should make their process clear to customers.  It's not difficult to communicate this stuff.... 

I know lots of people try to pull a fast one but that is not my style at all. I merely asked for constructive advice and you seem to take pleasure in belittling me.  

That's all I have to say on this. I will pursue this because it has a huge impact on my family and that is more important than keeping a keyboard warrior happy.  

ThisnotThat

joodlemcnoodle said:

ThisnotThat said:

joodlemcnoodle said:

Sorry not sure what silly game you are referring to, of if that was directed at me? I'm not playing any games with Metrobank or anyone else, and I don't think that comment was called for.  I would like to be treated fairly as a customer and if there is a risk of them reporting something on my credit file, I would expect that to be made very clear.  By comparison the Barclays website states it very clearly on their current account page so I don't know why Metrobank think it's acceptable to have something like that buried in the depths and it doesn't appear on any searches on their site. 
With regards my post on here,  I am simply asking for some advice, I'm not trying to catch anyone out.  I have done my best to maintain an excellent credit record for many years and it is only recently that i've had to use my overdraft facility due to increased building costs.  I'm not asking for anyone to tell me off and be patronising, merely for some constructive advice if they know of any way to resolve this.  If there isn't, then fine, but please don't feel the need to patronise me.  
Thank you to everyone for your advice.  I will be following it up because I don't believe they have treated me fairly, given there seems to be a standard grace period allowed from most banks/ creditors.  Even the branch manager agreed it wasn't right.  

Reporting you as being in an unauthorised overdraft is not treating you unfairly.  In fact, they're legally obliged to do it.  You are not going to get anywhere with this complaint, and you are going to waste everyone's time and money in doing so.  But I know I won't convince you not to do it, it's the same story we see time and time again.  People claim they want advice, but when the advice doesn't agree with them, they start arguing and ultimately ignore it.

In reference to the silly game comment, I stand by it.  I see it time and time again on these forums, and saw it in a previous life working for a bank.  People try to get you on the back foot, by saying "well you're not perfect either" as if that matters.  You have done it three times with Metro.  Once when you commented on them taking debit interest payments early (I suspect this is an error on your part and it isn't early at all), again when you brought up the mental health thing (totally irrelevant) and again when you erroneously claimed that the 48-hour deadline had anything to do with them reporting to the CRA's.  I've been (roughly) in the position Metro Bank have been with you, and I can tell you that as soon as you start making silly accusations about me (and it was always me not the bank) doing something wrong, my natural instinct was to get defensive myself and it never ended well for that particular customer.  Catch more flies with honey than vinegar and all that.  I half suspect that if you'd been apologetic and asked for forgiveness, they might have let you off (even if it would have been a breach of the DPA) but, well, that ship has long since sailed.

I wish you the best of luck with your complaint but you're in the wrong here.

I am not playing any games and i went into the branch to ask for help and was very polite.  The branch manager agreed with me that it was unclear and unfair.  
The statements state interest is taken on 28th of the month or the next working day. They have taken it 2 or 3 days early on 3 occasions.  
I never claimed to be perfect but I also think banks should make their process clear to customers.  It's not difficult to communicate this stuff.... 

I know lots of people try to pull a fast one but that is not my style at all. I merely asked for constructive advice and you seem to take pleasure in belittling me.  

That's all I have to say on this. I will pursue this because it has a huge impact on my family and that is more important than keeping a keyboard warrior happy.  

Of course he did.  He's blowing smoke up your you-know-what to get rid of you.  And since he has absolutely no say in it it's completely irrelevant.

Please don't reference him in your complaint, you'll only make yourself look silly(er)

joodlemcnoodle

ThisnotThat said:

joodlemcnoodle said:

ThisnotThat said:

joodlemcnoodle said:

Sorry not sure what silly game you are referring to, of if that was directed at me? I'm not playing any games with Metrobank or anyone else, and I don't think that comment was called for.  I would like to be treated fairly as a customer and if there is a risk of them reporting something on my credit file, I would expect that to be made very clear.  By comparison the Barclays website states it very clearly on their current account page so I don't know why Metrobank think it's acceptable to have something like that buried in the depths and it doesn't appear on any searches on their site. 
With regards my post on here,  I am simply asking for some advice, I'm not trying to catch anyone out.  I have done my best to maintain an excellent credit record for many years and it is only recently that i've had to use my overdraft facility due to increased building costs.  I'm not asking for anyone to tell me off and be patronising, merely for some constructive advice if they know of any way to resolve this.  If there isn't, then fine, but please don't feel the need to patronise me.  
Thank you to everyone for your advice.  I will be following it up because I don't believe they have treated me fairly, given there seems to be a standard grace period allowed from most banks/ creditors.  Even the branch manager agreed it wasn't right.  

Reporting you as being in an unauthorised overdraft is not treating you unfairly.  In fact, they're legally obliged to do it.  You are not going to get anywhere with this complaint, and you are going to waste everyone's time and money in doing so.  But I know I won't convince you not to do it, it's the same story we see time and time again.  People claim they want advice, but when the advice doesn't agree with them, they start arguing and ultimately ignore it.

In reference to the silly game comment, I stand by it.  I see it time and time again on these forums, and saw it in a previous life working for a bank.  People try to get you on the back foot, by saying "well you're not perfect either" as if that matters.  You have done it three times with Metro.  Once when you commented on them taking debit interest payments early (I suspect this is an error on your part and it isn't early at all), again when you brought up the mental health thing (totally irrelevant) and again when you erroneously claimed that the 48-hour deadline had anything to do with them reporting to the CRA's.  I've been (roughly) in the position Metro Bank have been with you, and I can tell you that as soon as you start making silly accusations about me (and it was always me not the bank) doing something wrong, my natural instinct was to get defensive myself and it never ended well for that particular customer.  Catch more flies with honey than vinegar and all that.  I half suspect that if you'd been apologetic and asked for forgiveness, they might have let you off (even if it would have been a breach of the DPA) but, well, that ship has long since sailed.

I wish you the best of luck with your complaint but you're in the wrong here.

I am not playing any games and i went into the branch to ask for help and was very polite.  The branch manager agreed with me that it was unclear and unfair.  
The statements state interest is taken on 28th of the month or the next working day. They have taken it 2 or 3 days early on 3 occasions.  
I never claimed to be perfect but I also think banks should make their process clear to customers.  It's not difficult to communicate this stuff.... 

I know lots of people try to pull a fast one but that is not my style at all. I merely asked for constructive advice and you seem to take pleasure in belittling me.  

That's all I have to say on this. I will pursue this because it has a huge impact on my family and that is more important than keeping a keyboard warrior happy.  

Of course he did.  He's blowing smoke up your you-know-what to get rid of you.  And since he has absolutely no say in it it's completely irrelevant.

Please don't reference him in your complaint, you'll only make yourself look silly(er)

Ok let's leave it there shall we? You clearly get off on belittling people who ask for help.  Well done you..... 

ThisnotThat

joodlemcnoodle said:

ThisnotThat said:

joodlemcnoodle said:

ThisnotThat said:

joodlemcnoodle said:

Sorry not sure what silly game you are referring to, of if that was directed at me? I'm not playing any games with Metrobank or anyone else, and I don't think that comment was called for.  I would like to be treated fairly as a customer and if there is a risk of them reporting something on my credit file, I would expect that to be made very clear.  By comparison the Barclays website states it very clearly on their current account page so I don't know why Metrobank think it's acceptable to have something like that buried in the depths and it doesn't appear on any searches on their site. 
With regards my post on here,  I am simply asking for some advice, I'm not trying to catch anyone out.  I have done my best to maintain an excellent credit record for many years and it is only recently that i've had to use my overdraft facility due to increased building costs.  I'm not asking for anyone to tell me off and be patronising, merely for some constructive advice if they know of any way to resolve this.  If there isn't, then fine, but please don't feel the need to patronise me.  
Thank you to everyone for your advice.  I will be following it up because I don't believe they have treated me fairly, given there seems to be a standard grace period allowed from most banks/ creditors.  Even the branch manager agreed it wasn't right.  

Reporting you as being in an unauthorised overdraft is not treating you unfairly.  In fact, they're legally obliged to do it.  You are not going to get anywhere with this complaint, and you are going to waste everyone's time and money in doing so.  But I know I won't convince you not to do it, it's the same story we see time and time again.  People claim they want advice, but when the advice doesn't agree with them, they start arguing and ultimately ignore it.

In reference to the silly game comment, I stand by it.  I see it time and time again on these forums, and saw it in a previous life working for a bank.  People try to get you on the back foot, by saying "well you're not perfect either" as if that matters.  You have done it three times with Metro.  Once when you commented on them taking debit interest payments early (I suspect this is an error on your part and it isn't early at all), again when you brought up the mental health thing (totally irrelevant) and again when you erroneously claimed that the 48-hour deadline had anything to do with them reporting to the CRA's.  I've been (roughly) in the position Metro Bank have been with you, and I can tell you that as soon as you start making silly accusations about me (and it was always me not the bank) doing something wrong, my natural instinct was to get defensive myself and it never ended well for that particular customer.  Catch more flies with honey than vinegar and all that.  I half suspect that if you'd been apologetic and asked for forgiveness, they might have let you off (even if it would have been a breach of the DPA) but, well, that ship has long since sailed.

I wish you the best of luck with your complaint but you're in the wrong here.

I am not playing any games and i went into the branch to ask for help and was very polite.  The branch manager agreed with me that it was unclear and unfair.  
The statements state interest is taken on 28th of the month or the next working day. They have taken it 2 or 3 days early on 3 occasions.  
I never claimed to be perfect but I also think banks should make their process clear to customers.  It's not difficult to communicate this stuff.... 

I know lots of people try to pull a fast one but that is not my style at all. I merely asked for constructive advice and you seem to take pleasure in belittling me.  

That's all I have to say on this. I will pursue this because it has a huge impact on my family and that is more important than keeping a keyboard warrior happy.  

Of course he did.  He's blowing smoke up your you-know-what to get rid of you.  And since he has absolutely no say in it it's completely irrelevant.

Please don't reference him in your complaint, you'll only make yourself look silly(er)

Ok let's leave it there shall we? You clearly get off on belittling people who ask for help.  Well done you..... 

No, I don't.  I get off on helping people.  But I won't put up with people who claim to be asking for advice when what they really want is someone to agree with them.  It's tiresome, and it needs to stop.

joodlemcnoodle

ThisnotThat said:joodlemcnoodle said:

ThisnotThat said:

joodlemcnoodle said:

ThisnotThat said:

joodlemcnoodle said:

Sorry not sure what silly game you are referring to, of if that was directed at me? I'm not playing any games with Metrobank or anyone else, and I don't think that comment was called for.  I would like to be treated fairly as a customer and if there is a risk of them reporting something on my credit file, I would expect that to be made very clear.  By comparison the Barclays website states it very clearly on their current account page so I don't know why Metrobank think it's acceptable to have something like that buried in the depths and it doesn't appear on any searches on their site. 
With regards my post on here,  I am simply asking for some advice, I'm not trying to catch anyone out.  I have done my best to maintain an excellent credit record for many years and it is only recently that i've had to use my overdraft facility due to increased building costs.  I'm not asking for anyone to tell me off and be patronising, merely for some constructive advice if they know of any way to resolve this.  If there isn't, then fine, but please don't feel the need to patronise me.  
Thank you to everyone for your advice.  I will be following it up because I don't believe they have treated me fairly, given there seems to be a standard grace period allowed from most banks/ creditors.  Even the branch manager agreed it wasn't right.  

Reporting you as being in an unauthorised overdraft is not treating you unfairly.  In fact, they're legally obliged to do it.  You are not going to get anywhere with this complaint, and you are going to waste everyone's time and money in doing so.  But I know I won't convince you not to do it, it's the same story we see time and time again.  People claim they want advice, but when the advice doesn't agree with them, they start arguing and ultimately ignore it.

In reference to the silly game comment, I stand by it.  I see it time and time again on these forums, and saw it in a previous life working for a bank.  People try to get you on the back foot, by saying "well you're not perfect either" as if that matters.  You have done it three times with Metro.  Once when you commented on them taking debit interest payments early (I suspect this is an error on your part and it isn't early at all), again when you brought up the mental health thing (totally irrelevant) and again when you erroneously claimed that the 48-hour deadline had anything to do with them reporting to the CRA's.  I've been (roughly) in the position Metro Bank have been with you, and I can tell you that as soon as you start making silly accusations about me (and it was always me not the bank) doing something wrong, my natural instinct was to get defensive myself and it never ended well for that particular customer.  Catch more flies with honey than vinegar and all that.  I half suspect that if you'd been apologetic and asked for forgiveness, they might have let you off (even if it would have been a breach of the DPA) but, well, that ship has long since sailed.

I wish you the best of luck with your complaint but you're in the wrong here.

I am not playing any games and i went into the branch to ask for help and was very polite.  The branch manager agreed with me that it was unclear and unfair.  
The statements state interest is taken on 28th of the month or the next working day. They have taken it 2 or 3 days early on 3 occasions.  
I never claimed to be perfect but I also think banks should make their process clear to customers.  It's not difficult to communicate this stuff.... 

I know lots of people try to pull a fast one but that is not my style at all. I merely asked for constructive advice and you seem to take pleasure in belittling me.  

That's all I have to say on this. I will pursue this because it has a huge impact on my family and that is more important than keeping a keyboard warrior happy.  

Of course he did.  He's blowing smoke up your you-know-what to get rid of you.  And since he has absolutely no say in it it's completely irrelevant.

Please don't reference him in your complaint, you'll only make yourself look silly(er)

Ok let's leave it there shall we? You clearly get off on belittling people who ask for help.  Well done you..... 

No, I don't.  I get off on helping people.  But I won't put up with people who claim to be asking for advice when what they really want is someone to agree with them.  It's tiresome, and it needs to stop.

I asked for advice on how to resolve it if possible.  If it can't be changed then fine. It doesn't mean I shouldn't try because my family's financial stability is at risk.  I just think you could have given your advice without accusing anyone of silly games. That bit was uncalled for.  
Have a nice day. I'm done here now. 

ThisnotThat

joodlemcnoodle said:

ThisnotThat said:joodlemcnoodle said:

ThisnotThat said:

joodlemcnoodle said:

ThisnotThat said:

joodlemcnoodle said:

Sorry not sure what silly game you are referring to, of if that was directed at me? I'm not playing any games with Metrobank or anyone else, and I don't think that comment was called for.  I would like to be treated fairly as a customer and if there is a risk of them reporting something on my credit file, I would expect that to be made very clear.  By comparison the Barclays website states it very clearly on their current account page so I don't know why Metrobank think it's acceptable to have something like that buried in the depths and it doesn't appear on any searches on their site. 
With regards my post on here,  I am simply asking for some advice, I'm not trying to catch anyone out.  I have done my best to maintain an excellent credit record for many years and it is only recently that i've had to use my overdraft facility due to increased building costs.  I'm not asking for anyone to tell me off and be patronising, merely for some constructive advice if they know of any way to resolve this.  If there isn't, then fine, but please don't feel the need to patronise me.  
Thank you to everyone for your advice.  I will be following it up because I don't believe they have treated me fairly, given there seems to be a standard grace period allowed from most banks/ creditors.  Even the branch manager agreed it wasn't right.  

Reporting you as being in an unauthorised overdraft is not treating you unfairly.  In fact, they're legally obliged to do it.  You are not going to get anywhere with this complaint, and you are going to waste everyone's time and money in doing so.  But I know I won't convince you not to do it, it's the same story we see time and time again.  People claim they want advice, but when the advice doesn't agree with them, they start arguing and ultimately ignore it.

In reference to the silly game comment, I stand by it.  I see it time and time again on these forums, and saw it in a previous life working for a bank.  People try to get you on the back foot, by saying "well you're not perfect either" as if that matters.  You have done it three times with Metro.  Once when you commented on them taking debit interest payments early (I suspect this is an error on your part and it isn't early at all), again when you brought up the mental health thing (totally irrelevant) and again when you erroneously claimed that the 48-hour deadline had anything to do with them reporting to the CRA's.  I've been (roughly) in the position Metro Bank have been with you, and I can tell you that as soon as you start making silly accusations about me (and it was always me not the bank) doing something wrong, my natural instinct was to get defensive myself and it never ended well for that particular customer.  Catch more flies with honey than vinegar and all that.  I half suspect that if you'd been apologetic and asked for forgiveness, they might have let you off (even if it would have been a breach of the DPA) but, well, that ship has long since sailed.

I wish you the best of luck with your complaint but you're in the wrong here.

I am not playing any games and i went into the branch to ask for help and was very polite.  The branch manager agreed with me that it was unclear and unfair.  
The statements state interest is taken on 28th of the month or the next working day. They have taken it 2 or 3 days early on 3 occasions.  
I never claimed to be perfect but I also think banks should make their process clear to customers.  It's not difficult to communicate this stuff.... 

I know lots of people try to pull a fast one but that is not my style at all. I merely asked for constructive advice and you seem to take pleasure in belittling me.  

That's all I have to say on this. I will pursue this because it has a huge impact on my family and that is more important than keeping a keyboard warrior happy.  

Of course he did.  He's blowing smoke up your you-know-what to get rid of you.  And since he has absolutely no say in it it's completely irrelevant.

Please don't reference him in your complaint, you'll only make yourself look silly(er)

Ok let's leave it there shall we? You clearly get off on belittling people who ask for help.  Well done you..... 

No, I don't.  I get off on helping people.  But I won't put up with people who claim to be asking for advice when what they really want is someone to agree with them.  It's tiresome, and it needs to stop.

I asked for advice on how to resolve it if possible.  If it can't be changed then fine. It doesn't mean I shouldn't try because my family's financial stability is at risk.  I just think you could have given your advice without accusing anyone of silly games. That bit was uncalled for.  
Have a nice day. I'm done here now. 

And the advice is, it's an accurate representation of what happened and so it won't be changed.  You already knew this from your dealings with Metro Bank CS.  You can't expect them to lie and say you didn't go over your overdraft limit.  It's not reasonable to expect that.  I'm sure you will continue your complaint though so this thread was largely pointless.

I stand by my comment.  The "well yeah but you did this" thing is a silly game.  And if people stopped doing it they would, for the most part, have better outcomes with their complaints.

kaMelo

The thing is, is it an accurate reflection of the situation.
What was reported to a CRA should be an accurate reflection of this, hence reporting a missed payment can only be accurate if a payment was missed. Going into an unauthorised overdraft should not be reported as a missed payment as they're two different things.

Therefore the important things here are;
1. What happened, a missed payment or an unauthorised overdraft?
2. What was reported, a missed payment or an unauthorised overdraft?

If answers to both points are the same then it's accurate, if they are different then it's not an accurate reflection and a complaint can be made to correct that information.

Having said that, a missed payment by itself is probably less damaging than going into an unauthorised overdraft briefly but continually using an overdraft month after month, even within limits, will probably have a worse impact than either of those things.