Complaint Review: Harley-Davidson Credit Corp. - Chicago Illinois

Over the last two years we have noticed a change in the way Harley-Davidson Credit is doing business with us. We have purchased several Harley-Davidson Motorcycles over the years using EagleMark now called Harley-Davidson Credit. I have to say their rates have been good and we have enjoyed their service.

We are old-fashioned and like to use a check to pay our bills. We pride ourselves in our good credit and paying on time or before. Even when I became unemployed we sold things to make sure we stayed current on our bills until I found employment, thank goodness I did.

We have two Harley-Davidson Motorcycle loans through Harley-Davidson Credit. Last year we started getting calls from the collection department that our payments had not posted. We thought this was strange because we were not doing anything different. In each case we would tell them "the check is in the mail", give them the check number and in each case they would make us feel like we were not being truthful, that the check was on the way. In each case they would mention that we should consider Auto-Draft to make things easier. Then like magic the check would post and the calls would stop, until next month.

On the statement it says to mail the payment 5 to 7 days before it is due, so that is what we did with Harley-Davidson Credit and all our other creditors that never have issue with getting our checks and posting on or before the due date. One to 3 days after the due date Harley-Davidson Credit starts calling every phone number on file, several times a day. We found our checks would post 3 to five days after the due date. In each case they would being up the Auto-Draft and we would say "the check is in the mail." We found that even moving the time up a couple of days wouldn't do any good. Several of the collection representatives told us that it takes them several days to process it when they get it.

We live in AZ and send payments to NC and FL that arrive before the payment time and post to our account. But with Harley-Davidson Credit in Chicago IL it is many days and phone calls. Last year we were so tired of it we did breakdown and set up Auto-Draft for the first motorcycle and like they said the calls stopped. This week after more calls and canceling yet another check for $31.00 we decided to set up the Auto-Draft for the last motorcycle.

So after two years, many phone calls, canceled check expenses Harley-Davidson Credit got what they wanted, both our loans on Auto-Draft. 

Our kids our grown and one of the few things we like to do together, is riding our motorcycles. Otherwise this experience has made us think about selling them but with our age these are probably the last ones we will buy so we will not go through this again. Being part of the biker community though we feel we have an obligation to the other riders that may be experiencing the same thing, to band together and say, this is not right and you need to change your policies Harley-Davidson Credit. We buy Harley-Davidson's iconic product to fulfill a dream of riding the open road and you have made it easier and easier for people to do, just that, but when you take away our right to choose whether we write a check or not and make us feel manipulated to do so, that just doesn't seem right. It was hard enough to fulfill our dream and now you want to ruin it so it is easier for you to process a payment at my expense.

I wonder how much money it saves Harley-Davidson Credit if all the loans are paid by Auto-Draft? I wonder what we would find if we tracked mail time, processing to posting what we would find? I can't prove it yet but hopefully someone will now that I am on Auto-Draft