PDLs and Banks

Yes, but you need to fill out a formal dispute with the bank, explain that the withdrawals were unauthorized.

I've been in contact with my bank throughout the process and my branch manager is aware of the situation. She sent me the affadavits to fill out and I'm going to do that first thing tomorrow morning. I suppose my underlying question really has more to do with filling out the affidavit. Do I explain that these companies are operating illegally or do I just submit all of of my ach revocation letters? At the end of the day we all signed the illegal contracts and I don't want to hurt my chances of getting reimbursed for the unauthorized transactions by going into something that isn't necessarily their responsibility to investigate. Does that make sense?

Yes it makes sense, I can only tell you what I did, and it seemed to work for me. I just refuted the charges stating they were unauthorized debits, my money was refunded back into my account in two - three days.