Capfin is bad new

It is essential to exercise caution when dealing with Capfin, as my recent experience has been quite troubling. On January 18th, I made a payment of R1630, while my account balance was R1622. I submitted proof of this payment on January 20th, yet my account was only updated yesterday, reflecting a balance of R -7.04. Subsequently, I requested a paid-up letter, only to be informed that I still owed money. To my astonishment, the app displayed an outstanding amount of R76.13. Upon contacting customer service for clarification, I was told that my payment did not cover the interest because I had not requested the settlement amount. However, the app clearly indicated that interest and fees were included in the total owed. After requesting the settlement letter, I was informed that the outstanding balance was R103.64, which was a significant increase from the previous amounts of R -7.04 and R76.13. This experience has led me to believe that Capfin may be operating in a deceptive manner, and despite my repeated requests for the settlement letter, I have yet to receive it.