While searching online to consolidate some loans I had, I came across information that said some of the loans I had were actually illegal in my state. I searched and researched some more, and found a non-profit that helped me to understand that the loans I had were void in my state of Virginia, and why. They also alerted me to the fact that under XXXX rules, I could request that my bank refund what I had paid to the lender of the void loans, because they were not valid and I never gave true authorization, because I did n't know the loans were void, and the companies neglected to tell me. I wrote a letter to my bank with all of my documentation on the fact that the loans were void, and also put in an affidavit through their system to get my payments returned to me. I was told that I had to submit their form, but I also went into a branch to and fax delivered my letter and accompanying documentation. XXXX the XXXX, I had spoken with a woman who said that even with the documentation, they could only get 60 days of payments returned if approved. I told her that I would still like to request the entire amount that I had paid, because I thought it was wrong for XXXX to offer loans that were void for me. She told me to fax the information ( letter and documentation XXXX to a number that would handle the request. I faxed the paperwork on XXXX XXXX. The day after I faxed the information, I went into a bank branch to close that particular account ( not changing anything about my other accounts ) and hand delivered the same paperwork and asked that it be submitted that way to be sure that my paperwork made it to whomever needed to see it to deal with my letter and request. At the branch, I spoke to XXXX XXXX, the XXXX office personal banker. She made a copy and assured me that it would get to the right place. Since then, I have heard nothing about my request. I thought I was supposed to have heard back from them by now, 15 days later or at least an acknowledgement of receiving my information and a time frame for response. I did not want to badger them, but I think I should have heard something by now or at least know that they are working on it or would get back to me in a particular time period. Hearing nothing makes me think that they may have misplaced my request, or that they can not follow XXXX guidelines which specifically reference online loans. I was also told, and put in my letter a reference to the Electronic Funds Transfer Act, which also allows for the return of payments on void loans. 
