Lost my money

on 8 October 2019 my mother made a payment of €100 to my Discovery Bank account from the Netherlands. After calling in I was advised that the bank is not yet authorized to receive international payments - to which I was not once informed of prior to this. After clarifying with my mother’s bank, they confirmed that the payment was received by Discovery Bank, to which the agent said that they would need more information to track the payment. To this date - 25 Feb 2020 - my query, and whereabouts of the funds, have not been resolved.

My question to Discovery Bank as follows:

1. The payment was ‘made’ to MY bank account, my full name and bank account number provided. How could the funds have been received by the bank, with the instruction to allocate it to my account, but this transaction still cannot be linked to me and found?

2. If you know that you are not authorized to receive the funds, then why accept it??? SEND THE MONEY BACK TO THE ACCOUNT THAT SENT IT. How can you accept the money with no knowledge of why or how you are receiving it and just keep it??

When you don’t have money, €100 is not something to be swept under the rug. The fact that I have not had a single follow up or resolution to date is shocking.

The only good thing that has ever come out of this account is a pretty card. I will be moving my salary back over to FNB