Disappointed customer

As a customer and a previous call center agent, I always made sure to deliver the best service with the resources at my disposal.

Long story shot, I've made an application for a personal loan with Ned bank. I've paid instalments when requested every month since the inception of the loan. Subsequently, all my payments are due on the fist if every month. My latest instalments were expected to be deducted on January 1st, 2023. However, my payments was debited on January 1ts, 2023 and reflected on January 3rd 2023. I then received several sms's indicating I owe Nedbank. I then made contact with Nedbank to resolver his issue. A call center agent told me that I'll be liable for the late payment. As long as I've told her about the situation and the method of payment, the more she insisted that I've paid late. I then told her that I can not be liable for the "possible" listing against my name due to miscommunication. The agent told me that there is nothing she can do about it and mentioned that I "might" not be listed for a late payment.

I received my credit report a few minutes ago and was surprised to notice that Nedbank listed me for a late payment. Understand, its not the listing thats upsetting me, but the fact that I was declined for a bond because of this. I am so frustrated at the moment and perhaps wonder what Nedbank will do to rectify this matter.

I am so disappointed. I've lost the house I worked my entire life for.

I am seriously in a state I cannot explain. I need action immediately.