Ghost Balance

So 23rd Nov 2018 for the first time in 2018 I get debited R1427 from Capitec Bank on a loan which I paid off on the 15th Nov 2017. Upon calling the bank I get told that the reason for the debit is that I am owing the bank since I settled it because when I paid in the balance on my account then I did not pay it as a settlement (naedo or whatever bank lingo) so when they received the amount then even though it was the correct amount to settle my account they did not close off the account. I refuse to take this excuse. If you tell me my balance is R5 and I pay you R5 why must I be charged for your hidden R1???????? This is the same bank that will not provide you with a loan statement if you ask for one but rather tell you to visit their bank...in this day and age they still want you to que for a statement. I fail to understand why an account doesn't get closed off if it is in credit??????????????S?S?SS?ssssssssssssssssssssssssssss just because you didn't call in and ask for a settlement amount they will not close it off!!!!!