**** using fnb account

I was ****med by a person who banks with fnb , i deposited the money into an fnb account and later found out that the person was ******** me, I quickly went to fnb and they put that account on hold, I was told to go to saps to open the case , I wen and saps said they cannot open the case because there is no crime in my case , my problem is how did that person open an account with fnb in the first place, why is it hard for fnb to return our monies because they can see that there are deposits made into this account and call us the depositors back so that we can get our money back , an fnb investigator than contacted me and he was very rude up to a point where he too me that fnb is a platform it did not **** me , but I was ****med by their customer using them as the platform of **** I'm really stressed by this and it is frustrating that now ******** are protected in our country by their banks and saps , I don't wish that someone can go through what I went through