Yep — the claim cooldown being 24h-ish and the streak resetting at Midnight UTC is what causes the confusion 
So if you claim late one day, then wait a full 24 hours, you might end up claiming after the UTC reset window and your streak gets cooked. For streaks, the important part is claiming once per UTC day, not “exactly every 24 hours.”
You can check your timing on My Profile. If it looks bugged, hit the support button above chat and staff can check it 