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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:03/13/2024

      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 asked the date of purchase to have payment dates on the first of every month, I was promised this and set my payments up for this. Come to find out the date was a different date and I had auto payments set up for the 1st of every month and now have a list of late payments on my credit report. I talked to the financial department on the phone who gave me a separate number to change the date and was promised again, but still had late payments. So one month I paid double so I could get ahead.What can I do about getting these late payments off my credit please because this is really hurting me?

      Business Response

      Date: 03/15/2024

      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

    • Initial Complaint

      Date:03/13/2024

      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.
      There really is not short version to the mess HFDS has caused on my accounts with them. About the best short version is I was contacted by someone named *****, told one of my accounts was past due, spent several days trying to return ******* call only to be told by ***** when I did reach her that that account that was "late" was current. My 17 year old son had been killed in a car accident and I advised ***** of that and she seemed willing to help. However, after that conversation I could never get in touch with ***** again, this was back in December, 2023. I was on autopay so only signed into my online account once of twice a month to make sure the payments went through. Up until this time all my accounts were current, the payments were on time, and the accounts were in good standing. On my credit profiles all of the accounts were reporting as on time and in good standing as of January 2024, so I had no reason to believe otherwise. So it came as a surprise when I received a call from someone by the name *************************** from collations asking for a return call. Again, as with *****, I called several times and she and I ended up playing phone tag. I gave ***** a time in my time zone when I could be available, yet I never heard from her. I would even call several times a day and evening from my time zone with no success. I did manage to speak with her assistant, *****, who told me he'd message her a time to call me. I never heard from her. I also received a message from ********, the collections manager in response to a correspondence, however, after returning her call about 20 times I never heard back from her. The only person I spoke with was someone named *********************. He seems less than interested in resolving anything and tries to act like a bully rather than actually look into a problem HFDS caused. He's also very misleading, all of HFDS is misleading. I have now had to hire an attorney to fix this mess HFDS has cause and is trying to cover up.

      Business Response

      Date: 03/15/2024

      HDFS has mailed its response letter to ****************** on March 15, 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:03/12/2024

      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.
      Over payment on autopay and never return payment

      Business Response

      Date: 03/14/2024

      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

      Customer Answer

      Date: 04/05/2024

       
      Complaint: 21423832

      I am rejecting this response because: Never received refund 3 months now.

      Sincerely,

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

      Business Response

      Date: 04/15/2024

      HDFS acknowledges receipt of Mr. ******* complaint. We anticipate calling *************** 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:02/15/2024

      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.
      My problems started at a dealership level, then when asking for the finance companies help to resolve the issues, I was met with constant threats, multiple calls a day, calls to my estranged family members, my ex employers, and anyone who they could find connected to me at some point in my life. The have made hard inquiries almost daily on my credit stating the account t is in collections so they are allowed to. I am unable to get a complete sentence out without being interrupted. I am never able to speak with the same person. Twice even though each person I speak with says they are my account manager. Every time they call they ask me if their repo agent is with me. No *****, I havent seen a single one, cuz if they were here, they could take it. The harassment is unreal.

      Business Response

      Date: 02/20/2024

      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: 02/21/2024

       
      Complaint: 21301059

      I am rejecting this response because: I have been being told this same thing, since August. I have never received a response. 
      I have now had people coming to my home, taking pictures of my vehicles and my house, neither of which have anything to do with my business with this company. It is only 11:30am my time, and they have already called me 3 times today. 
      their customer service is rude as f***, they dont let you talk, they treat you as if you are scum. 

      Sincerely,

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

      Business Response

      Date: 03/04/2024

      As stated before, 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:02/11/2024

      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 noticed I had late payments from HARLEY ***** on my credit report. During these months I did not receive anything stating I was late. As you can see, majority of my payments have been on time so I am requesting the removal of these late payments from my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.

      Business Response

      Date: 02/12/2024

      HDFS has mailed its response letter to ************** on February 12, ****. 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:02/02/2024

      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.
      ACCOUNT has been paid in full yet they will not send a title they have outrageous late fee charges and now they want more payments and I can't pay them anymore I've called they do not help even though they said call back and will issue credit

      Business Response

      Date: 02/05/2024

      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: 02/08/2024

       
      Complaint: 21237824

      I am rejecting this response because:

      Sincerely,

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

    • Initial Complaint

      Date:01/29/2024

      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.
      They always call I have excellent payment history I was on fmla for 3 months still kept up my payments now there system is wrong I'm current on payment and they are threatening to come get it harassing me so much I wanted to surrender it I don't appreciate them saying that I defaulted

      Business Response

      Date: 01/30/2024

      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

      Customer Answer

      Date: 02/01/2024

       
      Complaint: 21213401

      I am rejecting this response 
      Sincerely, 

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

    • Initial Complaint

      Date:01/17/2024

      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.
      Harley Davidson financial services continues to violate my rights under FCRA and break the law by reporting false information on my consumer report. I am a victim of ID theft and have provided this company with a police report of FTC affidavit. Instead of removing this information they continue to send me letters stating they can't verify my identity. They have received all the documents they need required by the federal trade commission. I am being forced to hire an attorney and *** this company for damages. also I make sure to tell all motorcycle buyers to stay clear of this business. Reasons like this are why the company has been losing sales.

      Business Response

      Date: 01/19/2024

      HDFS has mailed its response letter to **************** on January 19, 204. Due to consumer privacy protection requirements, we are unable to share our response with the Better Business Bureau.
      Thank you,
      HDFS Consumer Complaint Manager

      Customer Answer

      Date: 01/19/2024

       
      Complaint: 21158033

      I am rejecting this response because: Sending a letter in the mail that takes longer than 7 days to receive is not an acceptable response. The issue needs to be corrected and addressed. Fix the issue now and avoid fixing it in court. 

      Sincerely,

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

      Business Response

      Date: 01/22/2024

      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

    • Initial Complaint

      Date:12/21/2023

      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 am not liable for this debt with Harley Davidson Credit. I do not have a contract with Synergy and this debt is being wrongfully reported. They did not provide me with the original contract as requested through disputes.

      Business Response

      Date: 12/27/2023

      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:12/19/2023

      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.
      Im not liable for the debt with Harley Davidson. I do not have a contract with Harley Davidson Credit They did not provide me with original contract as requested.

      Business Response

      Date: 12/21/2023

      HDFS has mailed its response letter to ********************** on December 21, 2023. Due to consumer privacy protection requirements, we are unable to share our response with the Better Business Bureau.
      Thank you,
      HDFS Consumer Complaint Manager

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

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