********** by Fnb and their false advertising

took out a personal loan with fnb, they advertise that there is no penalty for early settlement. i paid the loan account in full, actually paid extra and received a credit for the amount i over paid by. 3 days later they charge me interest and now say i owe. their call center agents asked me to go into a branch, i go into the branch and they say we have to call the call center. even the consultant at the branch was frustrated at the service received from call center. it now shows i owe fnb and even if i pay the interest that i dont owe, they say the account will only be closed in 45 days. they have also submitted incorrect info to credit bureaus.