Consumer complaint received 2018-01-02
Company: Harley Davidson Financial Services Inc
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Within XX/XX/XXXX I purchased a new Harley-Davidson motorcycle from XXXX XXXX XXXX in the amount of roughly {$19000.00}. I put a down payment of {$2500.00} on the motorcycle and included a full-year insurance within the payment. Very shortly thereafter I was let go from my job because the company went bankrupt and I was out of a job, and was unable to make full timely payments. In light of loosing my job, I made every effort to make as many payments and for as much of the amount that I could afford at the time, and also communicating with XXXX XXXX ( Leinholder ) informing the bank of my situation. At approximately 2-3 months after I started to receive daily phone calls, sometimes multiple calls a day seeking payments, and every time explaining the situation to the representative over the phone. The frequency of the calls elevated, and it got to the point I had a collection of 15-20 separate phone numbers for the bank calling my cell phone. I started to ignore the calls as I repeatedly informed the bank of my situation. Upon finding a new job I informed the bank that I wanted to start making payments to catch up on the loan. I had lost access to the online payment portal, and now the bank informed me that I would only be able to make payments over the phone, and there would be a {$10.00} fee assessed to each payment. The calls kept up on a daily basis, I tried making payments as much as I could, the company began calling from different numbers and would no longer leave a message. I then on XX/XX/XXXX received a voicemail from a number associated with Harley Financial Services who had called before and was saved in my cell phone. The voicemail lasted a period of 3:00 minutes, and around 2:30 you can hear a representative state, " pick up the phone you XXXX scavenger. '' I filed a CFPB complaint at the time against Harley for this, the company responded and denied the phone number being associated with the company, and also denied any wrong doing with repeated calls, sometimes threatening to repossess the motorcycle, and also threatening to have me arrested. I have not contacted Harley-Davidson since XX/XX/XXXX, where a company representative stated the company did no wrong-doing and during an internal investigation there was nothing found. I find this highly protective in nature that the company is denying any wrong doing and disassociating itself with the matter. I have since attempted to consult an attorney that specializes in such cases, but have been fruitless in the effort to find a local attorney that can help me. I had repeatedly attempted to work with Harley-Davidson and the company took a stance that they did not want to work together in any instance. I am now receiving ongoing phone calls from another company that states, " We were hired by Harley-Davidson to schedule a pick up of the motorcycle, and to collect this debt. '' This company calls me on a daily basis from this number ; XXXX. I would still like to work with Harley-Davidson regarding this matter, however at this moment I still am being harassed by collections on this matter where as I would rather hear from Harley-Davidson directly regarding the harassing nature of that encounter with a representative. I am still seeking an attorney with regards to this matter.

Company response to consumer: Closed with explanation