Harley-Davidson Financial Services, Inc.

Initial Business Response /* (1000, 5, 2015/01/14) */
HDFS acknowledges receipt of Mr***'s complaintWe anticipate mailing Mr*** a written correspondence to this matter within business daysShould the matter take longer to investigate, we will notify Mr*** of the fact directly
Thank you,
HDFS Customer Complaint Manager
Initial Consumer Rebuttal /* (3000, 11, 2015/02/24) */
Additional info taken from case #XXXXXXXX - X-XX-XX:
I received a return correspondence from Harley Davidson Financial Services dated January 28, on February 2, Their letter acknowledges receipt of my contact with the Revdex.com in early JanuaryAfter reviewing this letter, it seems that although they acknowledge the fact that my information is accurate about me not having to pay to remove a lien stamped on my title they are still confusedIn their letter they state, "First, please note that the information mentioned in your correspondence provided by the NJDMV is mostly accurateA consumer would not necessarily have to take the title to the NJDMVHowever, it is our understanding that the lien will remain on the title until it is removed by the NJDMV, which costs $Whether or not that $is paid by the customer or a future purchaser remains between the customer and the purchaser."
As I have previously quoted, "it is our understanding" indicates to me that they have failed to check directly with the NJDMV about the lien removalIn New Jersey, if a buyer purchases a vehicle with a lien stamped on its title, as long as there is proof that the lien has been satisfied, either on the title or by a documented letter from the lien holder stating the lien has been satisfied, the buyer would then be able to transfer this title in to his or her nameThe cost of the title would be $for this transferThe newly issued title, now in the purchaser's name, would not have any indication of a prior lien on the title unless the purchaser also needed a lien holder to assist him or her in the purchase of the vehicleThe new lien holder would then be indicated on his or her newly issued titleI would like to reiterate that in New Jersey, there is no need for an owner of a vehicle to remove a lien stamp from his or her title once the lien has been satisfiedIn this case, I am the owner of a Harley Davison MotorcycleOn my original call to Harley Davidson, the representative claimed that my title was sent out, regular mail in a plain envelopeIn the letter I just received, the information has changedThey now claim the title was sent out by First Class MailSince they cannot provide proof that the title has been sent, or was misplaced in their office, I feel that due to their negligence, I did not receive this important documentationIn the last paragraph of their letter they state, "We believe our process for mailing titles to customers upon satisfaction of a debt through the USPS by First Class Mail fulfills our obligation to mail the title to the customer." I "believe" that their process should be reconsidered for their proficiencyThis may not be their first lost title
When I went to the NJDMV office to obtain a duplicate title, due to this negligence, I was informed that a duplicate title would cost me $Harley Davidson is mistaken in their "understanding" that the lien marking would constitute a $charge for removalIf I purchased a Harley Davidson cash and sold it, it would still cost the purchaser $to have a new title put into his or her nameI would have no financial responsibility to the title at allHarley seems to be stuck on the lien stamp which has no bearing on this situationHarley Davidson lost my title and cannot prove it was sent out in the mailI did not receive my title from Harley DavidsonGoing through the trouble of obtaining a duplicate title caused me an undue cost of $Harley Davidson should at least reimburse me for this unnecessary expenseI hope that this information clears up their misunderstandings and beliefsThank you for your time regarding this matter
I wish to be reimbursed for the expense of a duplicate motorcycle title of $in which Harley Davidson cannot prove was sent to me
Final Consumer Response /* (3000, 15, 2015/02/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received a return correspondence from Harley Davidson Financial Services dated January 28, on February 2, Their letter acknowledges receipt of my contact with the Revdex.com in early JanuaryAfter reviewing this letter, it seems that although they acknowledge the fact that my information is accurate about me not having to pay to remove a lien stamped on my title they are still confusedIn their letter they state, "First, please note that the information mentioned in your correspondence provided by the NJDMV is mostly accurateA consumer would not necessarily have to take the title to the NJDMVHowever, it is our understanding that the lien will remain on the title until it is removed by the NJDMV, which costs $Whether or not that $is paid by the customer or a future purchaser remains between the customer and the purchaser."
As I have previously quoted, "it is our understanding" indicates to me that they have failed to check directly with the NJDMV about the lien removalIn New Jersey, if a buyer purchases a vehicle with a lien stamped on its title, as long as there is proof that the lien has been satisfied, either on the title or by a documented letter from the lien holder stating the lien has been satisfied, the buyer would then be able to transfer this title in to his or her nameThe cost of the title would be $for this transferThe newly issued title, now in the purchaser's name, would not have any indication of a prior lien on the title unless the purchaser also needed a lien holder to assist him or her in the purchase of the vehicleThe new lien holder would then be indicated on his or her newly issued titleI would like to reiterate that in New Jersey, there is no need for an owner of a vehicle to remove a lien stamp from his or her title once the lien has been satisfiedIn this case, I am the owner of a Harley Davison MotorcycleOn my original call to Harley Davidson, the representative claimed that my title was sent out, regular mail in a plain envelopeIn the letter I just received, the information has changedThey now claim the title was sent out by First Class MailSince they cannot provide proof that the title has been sent, or was misplaced in their office, I feel that due to their negligence, I did not receive this important documentationIn the last paragraph of their letter they state, "We believe our process for mailing titles to customers upon satisfaction of a debt through the USPS by First Class Mail fulfills our obligation to mail the title to the customer." I "believe" that their process should be reconsidered for their proficiencyThis may not be their first lost title
When I went to the NJDMV office to obtain a duplicate title, due to this negligence, I was informed that a duplicate title would cost me $Harley Davidson is mistaken in their "understanding" that the lien marking would constitute a $charge for removalIf I purchased a Harley Davidson cash and sold it, it would still cost the purchaser $to have a new title put into his or her nameI would have no financial responsibility to the title at allHarley seems to be stuck on the lien stamp which has no bearing on this situationHarley Davidson lost my title and cannot prove it was sent out in the mailI did not receive my title from Harley DavidsonGoing through the trouble of obtaining a duplicate title caused me an undue cost of $Harley Davidson should at least reimburse me for this unnecessary expenseI hope that this information clears up their misunderstandings and beliefsThank you for your time regarding this matter
Final Business Response /* (4000, 17, 2015/03/06) */
HDFS has mailed its response letter to Mr*** on March 6, The letter contains account specific information and therefore cannot be copied to this site
Thank you,
HDFS Customer Complaint Manager

Lousy customer service. After more hassle than it's worth, I decided to pay off my bike loan. I went online and filled out the appropriate form only be be informed that I couldn't pay more than $2,500. (The payoff is around $16K.) I then called HDFS and went through the same crap on the phone AND they wanted to charge me a $12 "convenience fee" because I wanted to make the payment over the phone! HDFS sucks just as badly as Six Bends H-D in Fort Myers, Florida, which is the dealer where I bought the bike.

Your financing services have repeatedly sabotaged my credit rating by blocking my automatic payment plans several times. As a disabled marine corps veteran this is the worst financial experience I have ever suffered, over and over. I believe since you keep doing this that you are doing it on purpose and you are deliberately targeting veterans. You will either find a way to fix the damage you have done or I will go to the ends of the earth to calmly and legally let the world know about your scam to ruin your clients. Even your complaint site here is vague so it is impossible to tell if I have documented this complaint so I will even get a direct personal response from you. Harley is a massive failure that has ruined my credit twice now in the short period of time since I bought a big new bike from you. Totally unexcusable and disgusting incompetence, absoulute sabotage! You are exploiting disabled veterans on purpose. Word will get out, a lot of word will get out about what harley davidson is doing to society and especially to veterans and specifically to totally disabled vets!

Recently financing a new Harley has been the worst experience of my financial life, it is somehow designed to make me late, not tell me I am late, ruin my credit; as a disabled Marine Corps vet this makes me sick. I do not trust Harley as they are either lazy and incompetent or they sabotaged me and my excellent credit several times now on purpose!

Initial Business Response /* (1000, 5, 2014/11/04) */
HDFS acknowledges receipt of Mr. [redacted]'s complaint. We anticipate mailing Mr. [redacted] a written correspondence to this matter within 15 business days. Should the matter take longer to investigate, we will notify Mr. [redacted] of the fact...

directly.
Thank you,
HDFS Customer Complaint Manager
Initial Consumer Rebuttal /* (3000, 10, 2014/11/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
While I appreciate a response, and the omitting of account specifics this time, I am not satisfied. Receiving a letter from a customer complaint manager is not the same as a personal apology from the company president that would assure me that he is aware of how the company he is operating breaches it's consumer's privacy.

Initial Business Response /* (1000, 5, 2015/04/09) */
HDFS acknowledges receipt of Mr. [redacted]'s complaint. We anticipate mailing Mr. [redacted] a written correspondence to this matter within 15 business days. Should the matter take longer to investigate, we will notify Mr. [redacted] of the fact directly....


Thank you,
HDFS Customer Complaint Manager

Initial Business Response /* (1000, 5, 2015/01/20) */
HDFS acknowledges receipt of Ms. [redacted]'s complaint. We anticipate mailing Ms. [redacted] a written correspondence to this matter within 15 business days. Should the matter take longer to investigate, we will notify Ms. [redacted] of the fact...

directly.
Thank you,
HDFS Customer Complaint Manager