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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

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

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    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/05/2024

      Type:Billing 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.
      Complaint Regarding Charge-Off on My Credit Report Dear Better Business Bureau,I want to file a complaint against Harley-Davidson Financial Services, Inc., as they have reported a charge-off to my credit report that I do not believe is valid. I have requested the original contract or documentation verifying the legitimacy of this debt, but they have not provided me with the necessary information to substantiate the claim.This charge-off is severely impacting my credit, affecting my life, and damaging my future opportunities. I kindly request that Harley-Davidson Financial Services, Inc. remove this charge-off from my credit report immediately.I want to resolve this matter amicably and would appreciate your assistance in facilitating a resolution. Please let me know if further details are required.Thank you for your time and assistance.Sincerely,********* *******

      Business Response

      Date: 12/09/2024

      HDFS has mailed its response letter to Mr. ************* on December 9, 2024. Due to consumer privacy protection requirements, we are unable to share our response with the Better Business Bureau.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:11/21/2024

      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.
      The company has been saying they sent a ***** check to MISSOURI STATE TREASURER'S OFFICE P.O. ******************************** PHONE: ************** FAX: ************** But they do not have it and HDCC has not sent it. I am trying to get a resolution so i do not have to file a new lawsuit.

      Business Response

      Date: 11/22/2024

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

    • Initial Complaint

      Date:11/04/2024

      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.
      My father, the owner of the bike, passed away in Feb. My mom doesn't ride and decided to sell the bike but had to get it titled in her name. There was still $8379.64 still owed before we could get a lien release. We have tried several attempts to pay off the bike but they keep rejecting the payment saying it's my banks fault when is not. The bank seems to think something fishy is going on, perhaps some sort of scam. All I know is, it shouldn't be this difficult to pay off a loan. I've called so many times, I think I've spoken with almost every employee. PLEASE LET ME PAY THIS OFF AND GIVE ME THE TITLE/LIEN RELEASE PLEASE

      Business Response

      Date: 11/06/2024

      HDFS has mailed its response letter to Ms. ****** on November 6, 2024.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:10/28/2024

      Type:Order 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 am not liable for this debt with Harley Davidson Financial Services. I do not have a contract with Harley Davidson Credit, they did not provide me with the original contract as I requested.

      Business Response

      Date: 10/29/2024

      HDFS has mailed its response letter to Mr. **** on October 29, 2024. Due to consumer privacy protection requirements, we are unable to share our response with the Better Business Bureau.
      Thank you,
      HDFS Consumer Complaint Manager

    • Initial Complaint

      Date:10/22/2024

      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.
      I was just over 30 days past due, due to being out of town for a school matter. I was a graduate student at the time I bought the Harley and when the incident occurred. It took me so long to report this because I didn't know I COULD report it. I came home from my university trip to find the bike gone. I thought it was stolen because I never received any notice of intent to repossess. The account in the attached screenshot shows 30 days past 2 for 2 months, but it was right around 6 weeks since my last payment and there has never been, before or since, ANY contact from the company to inform me of the repossession. Over a month after the event, I received a letter stating it was being sold for auction. There was no language regarding WHY or WHEN or any evidence supporting their repossession. I'd have paid the late bill and still been paying if they hadn't done this stunt. I am now being charged over $1000 to pay the remaining balance on a bike that I feel the company stole back. I will not be paying this balance. They owe me AT LEAST that.

      Business Response

      Date: 10/24/2024

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

      Customer Answer

      Date: 10/28/2024

       
      Complaint: 22458030

      I am rejecting this response because: I will not accept anything until I receive written communication that they have resolved the matter with my concurrence. This matter was only discovered upon my background check with the *********; I was completely unaware they had sent anything to collections. This matter threatens my employment as a contractor with the ********* and I take this very seriously. Due to the fact that they refuse to respond inline on BBB is suspicious, but it also requires that I request an extension to resolve this matter with the Army.

      Sincerely,

      Zoen *********

    • Initial Complaint

      Date:10/01/2024

      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.
      Issue is we the consumer are unable to make any early payment on our loan using Harley Davidson Financial Services website. It will show your current amount due and the due date however when you select Make a Payment it takes you to another page. It will not allow you to make an early payment as it doesnt allow you to enter any amount. The only amount that will display is the $3.00 convenience fee. It will only allow you to make your payment on the exact due date. This is a simple loan and interest is added daily. Im sure its illegal to not allow the consumer to make any early payments to help reduce the amount of interest paid. Im starting my complaint here before I move further with financial regulations and their associated party.

      Business Response

      Date: 10/02/2024

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

    • Initial Complaint

      Date:09/26/2024

      Type:Customer Service 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 keep getting call from Harley Davidson Financial Services. I do not have nor have ever had contact with them or done business with them. They are calling for somebody else but keep calling me. I would simply like the calls to stop as I have no connection with them. Thank you

      Business Response

      Date: 09/30/2024

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

      Customer Answer

      Date: 10/01/2024

       
      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:09/05/2024

      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 was in a motorcycle accident on july2, 2024. the bike was deemed a total loss and was then put into an insurance claim and was at the tow yard, and before Allstate could get there to state the claim, Harley came and repo'd the bike. Allstate is unable to do anything with the claim due to Harley taking possession on the bike and now due to Harley refusing to release the bike, the bike has gone into collections and further hurting me and my credit by dragging this out and refusing to corporate so this claim and get finished and Harley can get paid for the total loss

      Business Response

      Date: 09/06/2024

      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: 09/15/2024

       
      Complaint: 22243414

      I am rejecting this response because:
      My credit is still showing a involuntary repossession, motorcycle was in a total loss claim and was repod only after being 11 days late, and per contract it says if any payments is more then 10 days late, I will be charged 25$ and instead it was repod. Result sought: removal of repossession off my credit and removal of repossession charges on account 
      Sincerely,

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

      Business Response

      Date: 09/16/2024

      HDFS has mailed its response letter to **************** on September 10, 2024. Due to consumer privacy protection requirements, we are unable to share our response with the Better Business Bureau. At this time no new information was provided to either change our previous response or to investigate the matter differently
      Thank you,
      HDFS Consumer Complaint Manager

      Customer Answer

      Date: 09/17/2024

       
      Complaint: 22243414

      I am rejecting this response because:

      Sincerely, per last message stated what was in the contract, HD had a repossession on a total loss bike that was in a claim and was only 11 days late, per contract it states any payment that is late by more then 10 days will receive a late fee. 

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

    • Initial Complaint

      Date:09/03/2024

      Type:Billing 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.
      Ive been contacting Harley Davidson since July 15th trying to get updates on when payment will reflect on Harley website and credit report. I keep getting told payment was received always a different day than previous agent said and they keep telling me to wait a little longer. The agents have admit they have received payment and see that bike has been paid off but are no help on updating information. Just update my information quit wasting my time with conflicting information.

      Business Response

      Date: 09/03/2024

      This one is for Harley-Davidson Financial Services, and since we dont have access to their records, can you have it transferred to them?

       

      Thanks!

       

      A picture containing drawing Description automatically generated

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

      Director, Service Operations

       

      harley-davidson motor company

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

      Office ************** | Mobile **************

       


      Business Response

      Date: 09/04/2024

      HDFS has mailed its response letter to ************** on September 4, 2024.


      Thank you,
      HDFS Consumer Complaint Manager

      Customer Answer

      Date: 09/06/2024

      If I received anything I will let bbb know. 

    • Initial Complaint

      Date:08/15/2024

      Type:Customer Service 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.
      On 8/13/24 I filled out an online credit application for a Rider to Rider Financing program. At that time I had to choose a dealer to work through to facilitate the Private Party Purchase. I did so and the application was approved. I was then contacted by the Dealer and informed that they do not participate in the rider to rider finance program. I reached out to several other local dealers only to discover that none of them participate either. I contacted Harley Davidson Financial Service on 8/14/24 to discuss option to follow through with their offer of financing. They were unable to direct me to a dealer that participated in their program. This is deceptive advertising when they don't know their network of participating dealer and don't disclose it through the application process. This has left me with a Hard inquiry on my credit report that would not have been there had I know all the details about the Rider to Rider finance program.

      Business Response

      Date: 08/19/2024

      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

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

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