NEDBANK.. Really bad service for not assisting and giving me a bad credit rating

i just spend 30min on the Phone trying to find out why nedbank recorded a missed payment to my account if a received a Payment holiday. When you sign up for insurance on a loan or card, it says covers in loss of income nowhere does it says partial payment but be that as it may, did my part and now i am being send from pillar to post as my credit score dropped by 55 points due to a MISSED payment? nobody want to take responsibility and my credit report is being effected, nobody wants to help or take accountability, this is ridiculous. i am trying to stay afloat and pay my accounts on time and now this, obviously nobody has foreseen this but all payment holidays has stopped.. some president of banks decision, how can that be.. i know i should start paying this month as i was told but to give my a missed payment rating is not acceptable.. i will post on all social media pages if this is not going to be resolved.. very, very disappointing .. please help me sort this out . i am almost in tears due to frustration.