Consumer complaint received 2016-07-19
Company: Harley Davidson Financial Services Inc
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Harley Davidson continues to act in an unfair and criminal manner. Not only did they charge excessive interest rates, and sell a useless warranty, but now they also refuse to let me payoff my account and close this relationship. This entire account is based on predatory lending and bait and switch sales tactics. Their continued fraudulent actions is disgusting. Their customer service is non-existent. I work during the day. Calling me at XXXX does not show me you tried to contact me. When I call at XXXX, everyone is gone home. How is this customer service? How does this show they are trying to assist me? I can provide telephone records supporting every time I called both XXXX County Harley Davidson, and XXXX XXXX Harley Davidson. 4 times my requests for warranty coverage were denied. Nonetheless my CFPB complaints show I continually request my warranty cancelled and a refund completed, and Harley continues to pass the buck that they previously responded and to call a number. The same number to contact them. The same number that closes at XXXX. So I ca n't call them because I work all day, they do n't respond to my complaints by cancelling my warranty as requested, and everything is the customer 's fault. 
1. I requested the warranty cancelled and refund provided through CFPB complaint XXXX on XX/XX/XXXX. Harley Davidson did not complete as requested. 
2. I again requested the warranty cancelled and refund provided through the CFPB complaint XXXX on XX/XX/XXXX. XXXX Davidson again did not complete as requested. 
3. I once again requested the warranty cancelled and a refund provided through the CFPB complaint XXXX on XX/XX/XXXX. Harley Davidson again did not complete as requested. I disputed their response on XX/XX/XXXX to which I received no reply. 
4. I continued to request the warranty cancelled and a refund provided through CFPB complaint XXXX on XX/XX/XXXX. Harley Davidson again did not complete as requested. I disputed their response on XX/XX/XXXX to which I received no reply. 
5. I am again requesting the warranty cancelled at least effective XX/XX/XXXX the date of my first complaint. I have received ZERO benefits from this warranty. They can argue telephone bills and play the he say she say pass the buck game, but they can not refute my continued complaints requesting cancellation. 
6. I sent a {$3700.00} payment to hopefully satisfy my debt in its entirety and finalize my relationship with XXXX XXXX. Check was sent via XXXX XXXX XXXX which XXXX Davidson received on XX/XX/XXXX but have still not cashed. Harley continues to hold my funds rather than apply them to my account thus increasing their excessive daily interest accrual. I am requesting my {$3700.00} payment applied the day they received it of XX/XX/XXXX. 
7. I requested statements and online account access, to which Harley responded they do not need to provide. I have no idea how it can be legal for a company to hold an account and not have to inform the customer the particulars of said account. I am requesting all monthly billing statements since the inception of the loan. I am also requesting a final payoff statement. If the {$3700.00} payment satisfies my remaining balance owed, I am requesting my bike title and satisfaction of debt.

Company response to consumer: Closed with non-monetary relief