NOTE: Where's my refund - the payments paid for years to the servicer? In truth TILA refunds are harder to receive than what this article portrays. The article however, has GREAT information. We filed TILA claims with servicer and they answered NO WAY its been past 3 years. FRAUD however means that the 3 years is extended. Make sure to have a full foresensic audit, or forensic examination of your closing paperwork and application.