Horrible first in my life experience

I have a loan account as well as other accounts at capitec. The loan was taken over 34 month period and I have 25 installments remaining. I called customer care and spoke to Thami asking about my settlement amount. She gave me a figure of roughly 46k and told me this is the balance and I should visit branch for settlement which will obviously be lower that balance. To my suprise the settlement is in the region of 47k and I am told its penalty for settling account early. Up until this far I have had no problems with this bank and now they seen to punish me for wanting to close of my account. No bank has even given me bull that smelled so bad! The new lady I spoke to at call centre would not explain to me why settlement amount is considerably higher. All in all I am horrificly dissapointed at the level of service I got from consultants who told me to take a calculator and do the math as no module on system will show the what the initial loan amount was.