Loan account closure circus

Tried to close a loan account since the 15 jan. 1. I owed 3600 and the bank debits 4000. Why? This could all have been avoided. 2. You refuse to transfer owed money to my other bank or my std credit card. I waited 1hr in the branch to collect money. Are you incapable of making eft payments to me? 3. The branch over paid me the refund. Staff can't do basic math? 4. I wanted to make a settlement remotely however the complaints dept sent me back to the branch saying the bank owes me money. 5. I waited 2hrs to then be told I owe the bank money. Which I could have paid in remotely. 6. Complaints dept specialists are not competent, untrained or ill-informed. 7. The branch refused to take cash or a card payment. Only EFT payment of the settlement. 8. Std bank processes payment for other businesses but refuses to accept payment from their own payment cards. In the branch and freely available at all the desks. Bizarre and inconvenient. 9. Tomorrow the service fee is due so my settlement amount will be insufficient to close out the account. 10. Your processes and procedures are archaic, out-dated and inhumane. 11. You are very good at taking people for a ride an making a foolsl of them and their time! For this reason I give you one star and congratulate you!