Bad urban fantasy is reaaaaally bad.

Oh, no question. Flat characters, love triangles (gag), prophecy that involves one special person saving the world, simultaneous over and under explaining of the world and how it works, refusal to use words like werewolf for some reason… and none of that takes into account the skill of the writer and *how* the thing is actually written. (Oh! And I almost forgot heavy handed social commentary that doesn’t make sense in the context of the universe created by the film/book because it’s topical and heavy handed and copy/pastes real world issues into the fictional world and doesn’t consider how social inequality would be different in the fictional universe.)
Bad urban fantasy can be painful, honestly. Which isn’t to say that any of the things I mentioned can’t be done well – I do believe they can be (except flat characters) – it’s just that they’re particularly irritating in bad urban fantasy.