Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I went to get my car diagnosed from a leaking coolant. I took it to XXXX 's XXXX XXXX XXXX in XXXXXXXX XXXX. After charging me {$75.00} to diagnose the problem- to which I paid {$100.00} of this dispute in cash, they came back and told me it was the Water Pump and charged me {$850.00} to repair it. They said this would solve the problem. I took the last money I had to get the car repaired as I need my vehicle to make money. I drove the car and had no problems for XXXX week. Afterwards, my car started to ding while driving and I looked and the coolant was low- they misdiagnosed the problem. I was told that sometimes after a repair the coolant needs to be topped off and so I did that and it solved the problem again for XXXX week. I then called them and the gentlemen who answered the phone stated it could be a variety of problems and that he would not be able to get me in I would have to drop the car off. I explained to him that I had already waited long enough and he got very short with me. I then took my car to be diagnosed somewhere else and they stated it was a fan and a leak in the coolant line that causes the problem. I got nowhere with XXXX 's XXXX XXXX and so I contacted Bank of America finally on XX/XX/XXXX to reverse the charge so that I can get the car adequately repaired. No where on the diagnosis list do any of these problems show up but I know there is a leak because I got the car recharged and there was 11 % of antifreeze in there which started to leak soon afterwards. 

On XX/XX/XXXX I disputed this with Bank of America and asked them to issue a temporary credit so I can have the work done. I was told that they could not issue a temporary credit that they would have to work with the company to get my funds back. Only XX/XX/XXXX, I requested another temporary credit stating that I knew they could issue them as I have had problems before ; I went into the branch and had the letter faxed over asking them to issue the temporary credit so the vehicle could be repaired correctly and that I was unable to work without a vehicle and they sent me back a letter on the XXXX stating that they were starting the claim with the other bank. 

I am once again asking for a provisional credit so that I can get back to work safely. I can not run my air conditioner in my vehicle, I care for my XXXX XXXX XXXX grandson and it is the middle of Summer. I have tried to work with the automotive place, I have tried XXXX phone calls and fax to work with Bank of America and the only person being negatively affected by this is me. 

I am again asking for a provisional credit as now we are going into 1 month of the dispute and almost 3 months of a repair that was not done correctly or misdiagnosed. I am asking Bank of America to please issue a provisional credit because although {$800.00} means nothing to them, it is the difference of me eating and having a place to stay and is standing in the way of me being able to make money to live. Any help given would be appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation