EFT Reversal .

I transferred the money into FNB account the recipient advised the account has been hacked , I immediately contacted Capitec to advise them .I was told they will charge me R 160.00 reversal fee and the funds should be in my account in 7-14 days .after 7 days R 160.00 was debited by capitec from my account so I presumed all is well .After 14 days I followed up on whats app and I did not get feedback they deliberately ignored me , I called today ( 28 days ) later and I was told they were unable to reverse the money as they did not get hold of the recipient , I was surprised and asked why did they not tell me . When asking about the R 160.00. i was told it was not reversal fee but investigation fee ,in these tough times my R 860.00 is gone just like that !!