Business Profile

Financial Services

Harley-Davidson Financial Services, Inc.

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Complaints

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

Customer Complaints Summary

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

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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.

Initial Complaint
Date:07/18/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
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 refuses to release my vehicle lien upon successful and verified pay-off of the account used to finance. They state their policy prevents them from releasing the lien until ***** days has passed. Unless they can pay ME interest for this period, this is unacceptable. I expect TIMELY processing of my assets & relevant documentation. Its not **** anymore, we dont need ridiculous waiting periods to upset loyal customers. This Lien was satisfied on 7/13/23. This should not be allowed to happen. I want my title now!!!
Business Response
Date: 07/18/2023
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
Customer Answer
Date: 07/19/2023

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:07/15/2023
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
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 AWARE I AM PAST DUE ON MY ACCOUNT DUE TO NOT WORKING.I ADVISE THERE REPS THE REASON AND HOW I AM TRYING TO GET BACK ON TRACK WITH MY LOAN AS WELL AS OTHER BILLS THAT I FELL BACK ON DUE TO NOT HAVING AN INCOME.I CALL FOR OPTIONS AND A REP THAT I HAVE SPOKEN WITH BY THE NAME OF ****** USES THREATNING WORDS STATING "IF THERE IS A REPOSSESION AGENT OUT SIDE OF MY HOUSE" ALSO ****** I HAVE 9K IN REPO FEE'S. I KNOW REPO FEE'S AVERAGE BETWEEN ******* DOLLARS PLUS WHATEVER IS OWED ON THE ACCOUNT. I HAVE DONE COLLECTIONS FOR 15 YEARS AND NEVER HAVE I NEVER RESULTED IN THREATNING A CUSTOMER WITH REPO, I WOULD EXPECT THIS FINANCE COMPANY TO GO ABOVE AND BEYOND TO OFFER DEFFERMENT AND OR PAYMENTS PLANS TO GET BACK ON TRACK. INSTEAD OF HAVING A REP MAKE THREATS OR TRY TO STRONG ARM YOU WITH SURRENDERING THE COLLATERAL. I MADE A PAYMENT ON 07/07/2023 FOR $550.00 I AM AWARE THAT MY ACCOUNT IS PAST DUE , I ADVISED HER I AM CATCHING UP AND PLAN TO CATCH UP BY END OF AUG ON MY PAYMENTS, SHE STATES SHE CANNOT ACCEPT MY ARRANGEMENT. I ADVISED HER THAT IS THE BEST I CAN DO AS I AM ALSO CATCHING UP ON MY MORTGAGE AND UTILITIES. THIS IS OBSURD THAT A COMPANY THIS SIZE USES THREATNING MANNERS TO COLLECT A DEBT. I WILL ALSO BE FILING A COMPLAINT WITH THE ******* EVERYTIME I SPEAK WITH A REP ITS AN AUTOMATIC " IS THERE AN AGENT PRESENT AT YOUR HOME. FIRST THING THEY SHOULD ASK IS REASON FOR DELINQUENCY AND OFFER OPTIONS TO A CUSTOMER ON HOW TO RECTIFY THE SITUATION. I CAN IMAGINE HOW THEY SPEAK TO OTHER CUSTOMER'S THAT DONT KNOW THE ****** I WILL BE LOOKING TO REFINANCE MY LOAN SO I CAN AVOID RECEIVING THREATNING CALLS OF REPOSSESION .
Business Response
Date: 07/17/2023
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: 07/18/2023

Complaint: 20326428

I am rejecting this response because: I would like the response done on here.

Sincerely,

***********************
Business Response
Date: 07/20/2023
Due to consumer privacy protection laws, we are unable to share our response with the Better Business Bureau. Under the ********************************** Act, financial information is nonpublic personal information and therefore cannot be shared or displayed with a public site like the *********************** Consequently, as stated, we will mail a written correspondence to *************** to this matter within 30 calendar days.

If **************** would like to discuss his complaint further, he may call us at **************. He may also communicate with us via fax ************* Attn: Customer Complaint Manager or mail:

Harley-Davidson Financial Services
Attn:Customer Complaint Manager
*******************************************************************
Initial Complaint
Date:06/14/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 is practicing unscrupulous billing practices on my loan. They have made numerous agreements and not kept them, convincing me during the worst of events, that they were trying to help me. Then did not apply agreement as stated. They have financed my 7 year loan in 2017, that as of today, has 29 payments left to payoff. They have not charged consistent interest. The interest Vs principal fluctuates wildly month to month. Generally on the overweight side of the interest, by this time, it should be the principal receiving the most money, and it often isnt, for no reason. When I call and ask- no one has any answers. Very frustrating. They are causing immense stress. I am turning them in to the **************.
Business Response
Date: 06/15/2023
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: 06/16/2023

Complaint: 20186326

I am rejecting this response because, after reading the vague, dismissive, incomplete response they sent to me and comparing said, response to documentation of improper allocation, its obvious they are mishandling my loan.
This is their widespread tactic, this is why theyve had several class action law suits, because they are dishonest and nothing is done to stop them. Their response does not demonstrate truth in lending when comparing truth in lending statutes in the **************. Compare my allocation and payment dates I provided in my last 6 months of billing, to the statement they made and tell me- that adds up??? No. It doesnt.

Sincerely,

*****************************
Business Response
Date: 06/21/2023
HDFS has mailed its response letter to **************** on June 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
Customer Answer
Date: 06/23/2023

Complaint: 20186326

I am rejecting this response because nothing they sent me addresses my complaint. I have formally objected to my allocation of payments- as proven in the documents attached, by no method of financing, other than corrupt and fraudulent, can this be correct. They refuse to give a payment allocation breakdown and instead send messages to me like the response given here. Empty and without merit.
Ill be proving it. I have a news reporter in ******* looking through what theyve been up to. Apparently, it happens quite a lot with this financing company. Theyve been proven to be deceptive- nothing much is done, they deny deny deny, deflect deflect deflect. Well see!

Sincerely,

*****************************
Business Response
Date: 06/27/2023
HDFS has mailed its response letter to **************** on June 21, 2023. 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: 06/29/2023

Complaint: 20186326

I am rejecting this response because:
you can clearly see that the response they gave addressed absolutely nothing in my complaint. We can hit this ball all day- Ill never accept a response that doesnt address my issue-
my current statement includes no allocation information for my payment at all. I would like full disclosure on my payments, dating from the beginning of the loan until now. Sent to my address for review.

Sincerely,

*****************************
Business Response
Date: 06/29/2023
HDFS has mailed its response letter to **************** on June 21, 2023. Due to consumer privacy protection laws, we are unable to share our response with the Better Business Bureau. Under the ********************************** Act, financial information is nonpublic personal information and therefore cannot be shared or displayed with a public site like the Butter Business Bureau.

As stated, we have mailed our response to **************** directly. If **************** is unsatisfied with our response, she may call us at **************. She may also communicate with ** via fax ************* Attn:Customer Complaint Manager or mail:

Harley-Davidson Financial Services
Attn: Customer Complaint Manager
PO Box *****
***********, ** *****
Customer Answer
Date: 06/30/2023

Complaint: 20186326

I am rejecting this response because:

Harley Davidson is not addressing the complaint.

Sincerely,

*****************************
Initial Complaint
Date:06/03/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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 motorcycle has been sitting in the shop for 2 months now, all while I make payments and never get to ride it. I have missed multiple trips and occasions waiting for my motorcycle to be fixed. The date of the fox constantly gets pushed back weeks. I have tried reaching out to Harley Davidson financial multiple times about being credited some payments and have been told a manager or some superior will contact me all to be blown off. This is terrible way to treat your customers that keep your institution afloat. I feel Ive been thrown to the wayside as a customer.
Business Response
Date: 06/14/2023
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:05/28/2023
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
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, Inc.PO Box ***** ***********, ** 89721-1829 ACCOUNT #: **************This vehicle was repossessed by Harley-Davidson Financial Services, Inc. in the ************** on or about, FEB 2019, and resold on or about JULY 2019.Under the laws of the ************** UCC 9.611-614, and State RISA and MVISA statutes a deficiency cannot be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the ***** and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Business Response
Date: 06/08/2023
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:05/25/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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 practices of this company are disgusting, I am called on an average of 5 times a day every single day of the week yet when I answer Im put on hold and waiting for someone to answer. Ive multiple times spoken to agents and requested no more phone calls, that Im working, what my payment schedule looks like etc. Funny part is Ive had at least a few tell me they are notating and I shouldnt get calls anymore ********. Then surprise I get a call 30 mins later, this is literally causing the disruption of the work I have to complete in order to pay them. Today when I was called I was told the wrong information multiple times on what I owed and I was threatened with collections and the repossession of my motorcycle when I showed my disgust for the ridiculousness I was having to listen to. I am an artist and as such I dont get weekly or bi weekly paychecks. Sometimes it takes a month and a half before I see any payment for my work, but the salesman and the financier on the other end of the line didnt have an issue with that when they took 8k down from me. Somehow I still keep making my payments but they still want to harass me 25 times a week.
Business Response
Date: 05/26/2023
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:05/16/2023
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
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 traded my 09 dyna superglide in February and put $10,000 down on a 2023 Roadglide ST. April 9, 2023 Easter Day I had a heart attack. I underwent surgery yesterday May 15, 2023. I called to speak to a representative today about maybe moving my payment back a month due to being out of work to which I was told no because I haven't made 9 payments. I apologized to harley davidson financial for not scheduling my heart attack 9 months from now. I was told by the representative that if I don't make my payment within 10 days of the due date it it be repo. I will be making my payment on the 25th of this month however I will be refinancing through a different bank and I will never purchase another Harley Davidson product. I will refinance and sell bike and buy ******. Harley Davidson wonders why they're losing money and sales. This is a prime example.
Business Response
Date: 05/18/2023
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: 05/19/2023

Complaint: 20064831

I am rejecting this response because: within 30 days my payment will be past due. I will be making my payment on time however I find it disgusting this is how you handle your clients that put trust in you. I do again apologize to your financial institution for being 36 years old and not planning my heart attack better. The only way I'll ever do business or anyone I have relations with will do business at this point with harley davidson is if this situation is resolved in a respectful manner. I under went heart surgery May 15, 2023 and am being told now my bike will be repossessed if I don't make my payment on time.

Sincerely,

*********************
Initial Complaint
Date:05/06/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
This isn't the first time the HDFS web site has issues with taking a payment. Today 05/06/2023 I went to the site to make a payment. The page didn't "again" show a place to put the payment. Like I said this isn't the first time. Then when I go to FAQ'S It asks me to log in. I do so and again it asks me to log in. Clearly, They have issues with the web site. A simple search today I discovered HDFS has lots of complaints that have never been addressed. The numbers are in the hundreds. When I tell them about the issues on the site I get brushed off. This will be a problem until they fix the site. Sure hope it hasn't been hacked.
Business Response
Date: 05/08/2023
HDFS acknowledges receipt of Mr. ********* complaint. We anticipate mailing ******************** a written correspondence to this matter within 30 calendar days. Should ********** take longer to investigate, we will notify ******************** of the fact directly.
Thank you,
HDFS Consumer Complaint Manager
Customer Answer
Date: 05/10/2023
They along with speedpay are not going to fix what's broken with in the system. They expect me to be late with my payments so I default.
Complaint: 20026659

I am rejecting this response because:

Sincerely,

***************************
Business Response
Date: 05/11/2023
HDFS has mailed its response letter to ******************** on May 9, 2023. 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: 05/13/2023
If you havn't noticed this is a computer generated excuse nothing more. HDFS needs to get speedpay to fix the errors within the system when it comes to payments.
Complaint: 20026659

I am rejecting this response because:

Sincerely,

***************************
Initial Complaint
Date:04/13/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
This morning I spoke to a representative with ** Finance and this is where my Problem started. I have recently bought a new Bike from ** ******** **********. I traded my 2013 CVO Road King and the pay off has not yet hit my Loan Payout Balance. I tried explaining this to your Rep. *** would not listen and started reading me the Riot Act and she was telling me that this was going to be sent to Collect which would S**** Up my Credit. *** would take my answer at All. Then I called back to a Supervisor and she Picked Up where the first Idiot left Off. So I just hung up on both of them. Here where I get ******, I am a Veteran and Native American so I do not appreciate being spoken to like I am Idiot. I have purchased several Motorcycles from you. Always up to date with my loan payment even at 23%. Which I did not appreciate that when I was told t would be 12%. Letting that go I then run into your 2 Reps who will not listen or work with me as your customer. I know my loan is still my Responsibility until the Payoff is received. But get the Attitude that ruined my day at work with this Harssement is as Insult to the ** Brand. Your company is always pushing on how we are in the ** Family but as soon as you think I can't pay you Financial Dogs are let lose. I did not appreciate the Tactics used on me this morning. Not Customer Friendly and not ************. I spend money on Clothing, Gear and have supported ** for many years. These two Reps must think that ** Riders are Push Overs and should be treated with no Respect. They got an Ear Full Throttle of my treatment for not bring **. In the Native American Way there are Spiritual Consequences for their actions. They have no Idea who the **** they are Dealing with. But they will in the very near Future. **** my Words. I have sent them both a little something in the Wind and the Spirits are going to handle them both. Believe what you Wish.I am not ******* Around and they will get exactly what they Deserve.
Business Response
Date: 04/14/2023
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:03/27/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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 purchased a 2019 Softail motorcycle new from ******* Harley Davidson for a estimated finance amount of $22,000.00 . At the time of the purchase I had no idea the impact the finance agreement would have on my life when I was unable to make the payments on time due to a life threatening Illness. After make monthly payments of $656.00 for four consecutive years the principle amount is is now more the original amount financed ($23,000.00) due to fees, daily interest. I will end up paying almost $80,000 for the bike by the end of the loan. I went into the agreement on the strength of Harley Davidson being an American brand that has been in existence for well over 125 years. Their lending practices are the worst I've seen in my entire life being a gentleman of 60yrs old. I realize I may not have any legal recourse, but I can contact media outlets, FTC and main stream cyclist associations regarding Harley Financial predatory lending practices.
Business Response
Date: 03/27/2023
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

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