Mtn woes

I found out in dec 2021 that mtn had debited my acc for R676. I dont have an mtn contract so i emailed the ***. I called my bank and the amount was reversed. On the 2nd jan 2022 an amount of R1278 was debited of my account. I called my bank once again and had this reverse but now my bnak is charging me R40 for a reversal. I went to mtn at our mall to query this today. A contract was taken out on my name on the 4th nov 2021 for an iphone 13. A phone or sim i havent received. How the hell does this happen. The information i was given is this was processed through a call centre. This is nonsense!i need this addressed immediately. When you call mtn you are put through 20 different people before you are cut off.