Capitec bank

Can someone please help me out with this. I took a personal loan from Capitec bank in march n I had made 5 payments by now and my initial contract was to pay on a duration of 48 months this morning went to the bank because by now it's 5 months and Dey still say I have 45 month's to pay n when I ask about what's happening nobody could give me a clear explanation why is it that they saying I still have 45 month's to pay while I have already paid 5 months from my 48 months loan term meaning nobody could explain the 2 months premium that went though at my account I'm really worried if banks can do such where is it that we can be really safe. Worst the consultant over the fone ended up saying she's transferring me to another department which I held on over an hour with no answer what a poor service from the bank as we are their clients