We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Financial Services

Harley-Davidson Financial Services, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Complaints

This profile includes complaints for Harley-Davidson Financial Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Harley-Davidson Financial Services, Inc. has 15 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 115 total complaints in the last 3 years.
    • 38 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/08/2022

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a Motorcycle financed through this company. Recently they changed the process you make a payment with no warning to us the Consumers who use this service to make an online payment. "I've made four prior payments. Well, this payment on 09/06/22 was sent a different method. I was left to believe this is how its paid now routing number/ account. Come to find out after several conversations with HDFS at the time of complaint it still hasn't been withdrawn from my account. Per my bank HDFS can take up to five or six days. The site used to make the payment doesn't inform you of the five-to-six-day delay. On top of the fact the upgraded site can't even get my email right. IT leaves out the .com. It shows up as ****** They claim fix it and all will be good. Well I've done that four times now. The rep tried to even gaslight me saying just reset it. I'm telling her I have done this it doesn't fix the problem.

      Business Response

      Date: 09/09/2022

      HDFS acknowledges receipt of Mr. ********* complaint. We anticipate mailing ******************** a written correspondence to this matter within 30 calendar days. Should the matter take longer to investigate, we will notify ******************** of the fact directly.
      Thank you,
      HDFS Consumer Complaint Manager

      Customer Answer

      Date: 09/12/2022

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      ***************************

    • Initial Complaint

      Date:09/07/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      We sold our bike to an individual, that individual paid HDFS directly (Not Us) over the phone via wire. HDFS Released the lien and sent me proof of lien release they also released the title to the bike to the person who purchased it, mailed it to the address he gave them. 60 days later the wire reversed, because they guy who bought it stole it via fraud and theft by deception. HDFS did all the exchanging of funds, not us. They have since placed the entire balance back on our account and sent the account to collections. $40,000! HDFS did not use any proper steps to verify the funds they were receiving, they released the lien and title, yet somehow put it back on us to pay the balance.This is wrong, should not be able to happen. If I would have been paid the funds and then paid HDFS, to only have the funds reversed from my account 60 days later, HDFS would tell me too bad and to kick rocks after they would have been paid. So how are we liable for the balance since it was not us who received or took in the funds? How is this legal? How is this justified? Doesn't HDFS have insurance, or safety protocols for stuff like this? This has devastated our credit, and we paid them perfect, had equity and a trade when we bought. All of that is gone, we cant get qualified for another bike, or let alone an emergency loan god forbid we needed one. It has caused so much distress on our livelihood, we cant refinance our home, or even get another bike. We will have to wait 10 years for this to fall off. A multi-BILLION dollar company shafting their honest customers. We simply want the account REMOVED completely from our report, we don't want to even have it show we ever purchased with them. OR to have it show paid off and paid as agreed as it was before. It has ruined our credit. OR a replacement of the same bike and options and agreement to reinstate the loan if we have a identical bike to take the place of the stolen bike. We have legal docs from theft and attorney backing the claim

      Business Response

      Date: 09/08/2022

      HDFS acknowledges receipt of ******************** complaint. We anticipate mailing ****************** a written correspondence to this matter within 30 calendar days. Should the matter take longer to investigate, we will notify ****************** of the fact directly.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:08/26/2022

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I changed my phone number about 5 years ago when I moved to *********. Harley Davidson Financial has been calling me ever since. They are trying to reach 2 different people at my number, neither of which are known to me. I informed them that I do not know these people and asked that they stop calling. At one point I told them I would contact and attorney and they stopped calling for a while but now they have resumed the calls. I sent them a registered letter which was received at their PO box and they called again after that and left a voicemail. I called back and explained the situation again. They are telling me they get the phone numbers from "public records" and that all they can do is "flag" the record but can't guarantee no future calls. I realize I could block the number but in the past they also called from collection agencies at other numbers, plus this is an unfair business practice and violates federal statute so I want them STOPPED.

      Business Response

      Date: 08/26/2022

      HDFS has mailed its response letter to ********************.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:08/25/2022

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      ****** from Harley Davidson Financial called my MINOR son while he was at school and asked him to tell me to call her. Absolutely unprofessional and harassing. My ex husband owns the phone and pays the phone line. It is not registered to me, or my address. My son lives with me, but is a minor and should not have a harassing debt collector calling his phone. My husband was in an accident that was the other persons fault and had spinal damage, and paralysis. The person who hit us and totaled the bike and caused physical harm, his insurance is paying for the bike. My husband has been out of work due to the accident and had to have emergency spinal surgery. Harley was notified, and continuously calls me, my in laws, my parents, my employer, and now my minor children over and over again. My husband is partially paralyzed now and cant work. We are seeking damages and suing the man who hit him to pay for the totaled bike and medical. Harley calling my child while he was in school and asking to speak to his mother on a phone line that I am not on or that is not registered to me, but his parent that does not live at my address is completely ridiculous and harassing. It is against the law, and we will be reporting it to the Attorney General.

      Business Response

      Date: 08/26/2022

      HDFS acknowledges receipt of ************************ complaint. We anticipate mailing **************************** a written correspondence to this matter within 30 calendar days.Should the matter take longer to investigate, we will notify ***************************** of the fact directly.
      Thank you,
      HDFS Consumer Complaint Manager

      Customer Answer

      Date: 08/29/2022

       
      Complaint: 17775743

      I am rejecting this response because: this response did not address or acknowledge the illegal practices their employees and how they would take action against their irresponsible contact with a minor child at school. They did not address any of the concerns we had, nor acknowledge that they will not continue to contact us or minor children. 

      Sincerely,

      **********************************

    • Initial Complaint

      Date:08/16/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

      Business Response

      Date: 08/25/2022

      HDFS has mailed its response letter to Mr. ****** on August 25, 2022.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:08/14/2022

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I co-purchased this motorcycle with *****************************. I paid off the motorcycle. Harley Davidson Financial Service has the contractual paperwork that shows this bike was purchased with the Word AND, not OR on the purchasing documents. After I paid the motorcycle off they released the title to ***************************** with the word OR on it, not AND. This allowed the original Harley Davidson Dealership to buy the bike back from ****** without my consent or approval. I am wanting them to correct their mistake and reissue the title back to all parties in JOINT OWNERSHIP. I am at a loss of $700 because of nobody verified legal documents before proceeding. This include the Harley Davidson Contract and the Title that was done incorrectly. I want the Harley Davidson to Correct the paperwork and reissue the title in joint ownership. This was my legal purchase agreement with Harley Davidson when I bought this bike and the only reason I made payments. Its my understanding that Harley Davidson has not only purchased the bike, but has also sold my property to another party. I need everything corrected or I need to be made whole the money I am out from everybody else's mistake.

      Business Response

      Date: 08/15/2022

      HDFS acknowledges receipt of Ms. ******* complaint. We anticipate mailing *************** a written correspondence to this matter within 30 calendar days. Should the matter take longer to investigate, we will notify **************** of the fact directly.
      Thank you,
      HDFS Consumer Complaint Manager

      Customer Answer

      Date: 08/20/2022

       
      Complaint: 17714563

      I am rejecting this response because:  It doesn't advise of any action to resolve the issue.  I signed a contract as a CO OWNER on a motorcycle with HD.  I paid the loan off in March 2022.  HD released the title incorrectly allowing my property to be sold. Perhaps I need to contact the Attorney General and get an attorney. This is not right.  I SIGNED A LEGAL DOCUMENT - CONTRACT. HD messed up.


      Sincerely,

      *********************

      Business Response

      Date: 08/29/2022

      HDFS has mailed its response letter to **************** on August 16, 2022.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:08/08/2022

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I paid of my Harley in May 2022 I waited over a month to contact them about my title. When I called they said there was a problem with the title which I would have never known about if I didnt call them. Long story short I had to take time off work to go to DMV only to find out a title had been released to Harley financial services in 2014. I called Harley back and they said they would send me a form to take to DMV so I had to take more time off from work and go back. DMV charged me ***** for a duplicate title so I had to pay to get my title. When I called Harley back they said to email them the receipt for reimbursement which I did whe I didnt hear anything back I called them and now they are saying that they wont reimburse me since it was an issue with the state DMV. I paid the title fee when I bought the bike I shouldnt have to pay again to get the title. Now not only do I want the ***** I paid for the duplicate title, I want compensation for 4 hours of my time which I had to take off from work (*****) an hour because it was their job to supply me with a title when I had already paid for it. I shouldnt have had to go apply for a duplicate when I never got the original. I have contacted them again and they say they will not pay because the dmv made a mistake. Bottom line it that it is their job to make sure I have a title.

      Business Response

      Date: 08/09/2022

      HDFS acknowledges receipt of Mr. ********** complaint. We anticipate mailing ********************** a written correspondence to this matter within 30 calendar days. Should the matter take longer to investigate, we will notify ********************** of the fact directly.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:07/15/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      HDFS account number: ************** I have sent in a payoff for my motorcycle to HDFS that was applied to my account on July 7, 2022.I called today, July 15, 2022 to see why my account still shows a payoff estimate that is increasing by the day and to request the lean release and/or a statement stating the bike is paid off be mailed to me as it is required I have this at the dealership to cancel my *** that I financed.The rep was rude when asked about the payoff estimate and then refused to send me the requested documentation showing my loan is paid off with HDFS, telling me to call back in ***** days.No, I will not call back in two weeks after my account has already been paid off for over a week, just to sit on hold for another 34 minutes, to speak with a rude representative that has zero knowledge, is just reading a script, who's only goal is to rush me off the phone.I need this paperwork now. Every day I do not have this paperwork is money lost to the *** I do not want and can not cancel until I have the paperwork.

      Business Response

      Date: 07/18/2022

      HDFS acknowledges receipt of Mr. ****** complaint. We anticipate mailing ************** a written correspondence to this matter within 30 calendar days. Should the matter take longer to investigate, we will notify ************** of the fact directly.
      Thank you,
      HDFS Consumer Complaint Manager

      Customer Answer

      Date: 07/18/2022

       
      Complaint: 17573529

      I am rejecting this response because:

      As stated in my original complaint, every day HDFS takes to get me the paperwork showing my loan has been paid off, is money I am losing.  By holding this documentation past the payoff date, and now stating they will do so for, potentially, another ************************************************
      My loan has been paid off since July 7, 2022.  It is now July 18.  I have lost 11 days and counting of refund from the *** I need to cancel.  I should have received the confirmation paperwork about my loan payoff long ago, especially after contacting HDFS in writing and then again on the phone.


      HDFS appears to be purposefully holding this paperwork so as to refund me as little as possible.

      I require this paperwork immediately.  I expect a pdf of it to be emailed to me or a physical copy to be mailed to me, overnight, today.  I also require paperwork to provide to the dealership to ensure my *** is canceled retroactively to the date of the loan payoff, July 7, 2022, as the only reason it was not canceled on that day is due to HDFS' refusal to provide payoff paperwork in a timely manor.



      Sincerely,

      *********************

      Business Response

      Date: 07/25/2022

      HDFS has mailed its response letter to ************** on July 25, 2022.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:07/14/2022

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I've been paid in full now for 2-weeks. HD-financial refuses to respond to a request for title release letter.Tried contacting, on hold a total of 5-hours. 5 emails were sent concerning this issue. No response.

      Business Response

      Date: 07/15/2022

      HDFS acknowledges receipt of Mr. *********** complaint. We anticipate mailing ************************ a written correspondence to this matter within 30 calendar days. Should the matter take longer to investigate, we will notify ************************ of the fact directly.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:07/12/2022

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hi.. this is ****** and since I bought my new bike in 2018 it has Motor problems from the day I bought it few months after I bought it it broke down and when I took it to the shop they said I had a bent crank so they redid the engine just a few months ago now it's broke down again and they say now is using oil but from the engine job that they did a Mountain View Harley in ********** I talked to cam the owner about it.. he said he would look into it but yet still not has happened now it's been at Harley-Davidson at Mountain View in ********** ** for 2 weeks now and it has not moved I need someone to get a hold of Mountain View to tell them to either fix the engine or to replace it I need help on this I'm not getting nowhere please get back to me at 6:*********** as soon as you can thanks hope to hear back from you and get the situation of their job that's not done right fixed properly thanks

      Business Response

      Date: 07/13/2022

      HDFS has mailed its response letter to Mr. ********* on July 13, 2022.
      Thank you,
      HDFS Consumer Complaint Manager

    Harley-Davidson Financial Services, Inc. is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.