Pathetic Bank

We had contractors building a nutec home. We made transfers for material on the 5, 6 and 7 September. The only material they brought to start was purchased from TWK and was a cash payment. I called Capitec on the 7th September after realising we were ****med. The money went into a Capitec account and surely that account should have been flagged seeing so much money going into it. This person allowed these people to use her account. Some money was transferred to 2 accounts that had nothing to do with us. Surely all that money should be returned as it was my money that they used. Any further monies going into that Capitec account should be returned to me. The Capitec account owner has been calling and threatening me when she is the one that committed ***** with the builders. I did everything that Capitec wanted and on following up, no replies to any of my emails. I went to Capitec a few days ago and was told they needed a certified copy of my ID, that nobody informed me about. Now I am waiting. Ridiculous service. Standard Bank would have returned that money asap. We have no protection from banks! What do we do when builders want a deposit and then we get ****med!