Never Take a Loan From Capitec

I thought working dealing with loan sharks is a problem but Capitec Bank is NO different. I app**** for a loan in 2013, my loan term was 54 months. On the 25/10/2017 it was my last installment of R3,143.88. When I logged onto my online banking profile I noticed I have an outstanding balance of R134 I’ve subsequently had different explanations from consultants 1st I was told that the amount is made up of interest and an acc fee,never for 53 installments have I paid R3,143.88+Intst&Acc fee separately. Than I was told its accrued interest on arrears.What arrears I ask you with tears in my eyes!?Never have I skipped a payment on this loan. Capitec clearly has hidden charges that pop out from nowhere. I will be closing all my accounts with them cause clearly they are still amateurs and so are their billing systems and have a lot to learn from the big corporate banks of RSA!