********** contract opened

A contract was opened with my details (bank details to be specific), i reversed the amounts on 3 occasions because it was **********. Now i have been flagged and i cannot do anything. i need a clearance letter from MTN and i am being told to wait 21 days pending investigation. Why should my life be messed up because of a contract that i did not take. I want my freedom back and I do not have 21 days.