inward swift

I just received a wire transfer which is a gift, I currently hold one account with FNB, a gold business account, hence I used my account to receive this gift which was supposed to be a support for my critically ill child.

I have been refused to be credited this amount, and i got a call from this very rude lady in exchange control saying they are not going to credit me, I think this is my account, and as long as I declare accurately the purpose of the funds, I should be credited, I see no where in the terms and conditions, agreements, any papers I signed that said i can't receive a gift in a business account which only is the account I hold with your bank hence I used it,

This has caused me great difficulties, therefore I tried to inquire with other business account holder to see if this situation I find myself in is unique to me by reason of my nationality or something.

I wonder how I was never informed via email, phone call, or at the branch of this very vital information, as I ve always assumed that my account is my account and I can receive any funds I wish into it as long as it is not **********.