Harley Davidson

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Charging me to pay my bill
Posted by on
Rating: 4/51
Harley davidson has recently decided that it will no longer accept financial payments via online bank sites. now, they require you to either mail you payment with a check, or.....use their own site to pay online but they will charge you $6.00 to make that payment on their site. This is crazy. They are hoping people are just too lazy to mail a check and then they stand to collect $6.00 additional dollars from every customer/every month, which will most likely amount to millions over the course of just one year. I will never finance a bike through their financial services again.
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Slimjim on 02/27/2012:
I was with a business that also has a policy of no bill pay checks. We didn't care if one sent a check instead or used another method. It was all about how easy those type of payments are to reverse and how far down the road you can do it. I'm guessing HD had as much problems with these things as we did.
tnchuck100 on 02/27/2012:
There is no question about it Harley-Davidson is one money-hungry company. They are rivaling the oil companies.

I own one (paid for) and love it. But I still feel they are excessively greedy.
Slimjim on 02/27/2012:
Why so Chuck?
tnchuck100 on 02/27/2012:
Experience. The prices they charge for parts and accessories is VERY bloated. But, then again, they do follow supply and demand. People will pay it so they will charge it. You would have to check the market for same type items to see just how greedy Harley is. Just one example: Brake pads, for a car $15, for a Harley $45. AND they are considerably smaller.

Taking it a step further, many dealers (not all) will charge 30 minutes labor to replace rear brake pads. They will charge that same 30 minutes labor even if you are replacing the rear tire at the same time even though it only adds 30 seconds to the job. That IS greed at its finest.
Churro on 02/27/2012:
My first thought is why the heck does Harley Davidson Financial Services charge for an online payment? Seems to me at least that would be the most economical option for the company. Then I looked further into it and found, "Harley-Davidson Credit has developed a relationship with JP Morgan to offer DirectPay Automatic Bill Payment Service". JP Morgan ~~ Chase ~~ Onerous Fees… The lights go on.

If Harley-Davidson Financial Services has to outsource their online bill pay to the likes of JP Morgan then that's probably one critter I'd avoid altogether. As they say you can tell a lot about a person by the company they keep.

At the risk of offending NoHandle I must say, 'Good review!'
Mrs. V on 02/27/2012:
Slim, how can someone reverse a check sent out by the bank after its paid? I always thought that the checks the bank sent out for you and the ones that you send out were the exact same thing....

That you can stop payment on any type of check until its been processed.
Slimjim on 02/27/2012:
You would think, but not these types of checks. I forget whether it was 3 or six months, but either way, it's a heck of a window that you can still recall a bill pay check, worse than an electronic payment.
I've seen even bank checks and money orders stopped. The long term safest form of payment one can take outside of cash, is a personal check. Once the 10 days or so are up to clear it, there is no turning back.
Mrs. V on 02/27/2012:
Thanks for the info, Slim. I wonder if it's the same for Credit Union bill pay (what I use).

I've never tried to stop a payment before so never noticed.
Slimjim on 02/27/2012:
Most people don't realize just how reversible most bank payments are, Mrs V. In fact, there are a little too loose if you asked me, exposing sellers to sometimes unscrupulous activity.
tnchuck100 on 02/27/2012:
Many bank bill pay transactions are actually a paper check that is mailed. They are treated no differently than if the customer mailed one from his own checkbook. Once cashed, that's it. Done.

ACH bill pay may be reversible for some period of time. That I will not speculate.

Which process the bank does is determined by the payment recipient. The recipient must be set up to accept ACH bill payment transactions. If they are not a paper check is mailed.
CowboyFan on 02/27/2012:
Convenience costs. Mail the check, no problem or expense. Decide to pay through them, there is a fee. Convenience is either worth it to the buyer, or it is not. This has nothing to do with the greed of the company, but everything to do with a desire to have it as one wants, without paying the cost (also a form of greed).
Slimjim on 02/27/2012:
Again Chuck, that is not true. Yes, they generally go out in paper format, but that are far from final when cashed.
tnchuck100 on 02/27/2012:
OK, Slim, explain a process that a bank bill pay paper check would be treated any differently than a customers paper check. Be specific.
Anonymous on 02/27/2012:
Companies that charge a 'convenience' fee for paying online are nothing more than greedy hogs.

Compare the bottom line cost to the company of me calling in a payment or sending in a payment via snail mail, each which requires a human being to process, to a pure electronic transfer and I fail to see any reason other than greed.
Churro on 02/27/2012:
In the case of online bill pay that's a convenience for the creditor, no? Or am I to assume it's cheaper and more convenient for the business to deal with envelopes, checks and matching said checks to accounts. Oh puh-lease. If everybody in the country went back to sending checks by mail these creditors would bend over backwards to get people back online.

I pay everything online and not one company charges me for making their life easier. If they did I'd no longer be a customer.

I think the OP said it best, "I will never finance a bike through their financial services again". If it was Harley Davidson's goal to lose a customer then mission accomplished. The customer is always right. It's just that simple.
tnchuck100 on 02/27/2012:
Absolutely, justcuz and Churro. Greed!
Slimjim on 02/27/2012:
What specifics will be sufficient Chuck? They are reversible, that's what makes them different. We didn't stop taking them because it was all in our minds. We stopped because we got tired of eating it when some smart arse got their goods and them pulled a payment back a month later.
tnchuck100 on 02/27/2012:
Slim, site some servicing agreement that states a bank issued check can be reversed after cashing and a customer check cannot.
ChuhBaca on 02/27/2012:
I will be in the market for a new bike soon and I am looking heavily at a Harley Davidson. Thanks to this information, I will definitely NOT use HD financing. I will probably go through Space Age Credit Union who financed my previous motorcycle loan.
tnchuck100 on 02/27/2012:
ChuhBaca, your own financing is usually more favorable to you than any dealer arranged financing.
Slimjim on 02/27/2012:
Chuck, I'm just going to cite my own experiences on this one since I think it's pretty credible. If you wish not to believe me, I really don't care. I was explaining this scenario to the author so they may better understand why this may be policy. Our reasoning for disallowing bill pay checks was not "greed", but our exposure.
tnchuck100 on 02/27/2012:
Slim, there must be a middle-man processor involved in your company's experience that has not come to light here.

For a bank to reverse payment on a cashed check is against all banking principles. If I were the recipient of one of these bank issued bill payment checks and cashed it, leaving the bank with said cash, just how in the world could a bank reverse that? They can't.

We have beat this horse long enough. We do not agree. Let's leave it at that and move on.
madconsumer on 02/27/2012:
as stated, convenience cost.
tlogan on 03/11/2013:
I am sick and tired of taking the time to right a check to avoid this fee. Every Harley owner should get on the phone and call HD Financial Servies to complain. Tell all your friends and put it on Facebook. There is powere in numbers!
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Online payment fee.
Posted on
PALATINE, ILLINOIS -- On Jan. 12, 2012 I contacted Harley Davidson Financial Services about making online payments. Part of this is no more paper bills and receiving my bill online. I do not like the reoccurring payment option where they take the payment from my account without my knowledge. I wanted to do the one time payment every month where I authorize and send the payment. They informed me that this option has a $6.00 fee added to my payment. So bascially by going paperless and making payments online it's going to cost me money when I'm saving them money. I guess they'll have to wait for my check every month!
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ChuhBaca on 01/13/2012:
Very helpful! I will be looking at a Harley soon and I will seek financing elsewhere. $6 to make your payment to them is ridiculous!
SteveWiginowski on 01/13/2012:
Do they accept payments via checks? It does seem like they take automatic payment and don't charge for that. Many companies charge an additional fee for utilizing an one-time bill pay system. I've seen them as low as $3.50 and as high as $12.

My recommendation would be to mail in checks every month if you don't want to do autopay and don't want to pay the additional $6 fee per payment.

Reoccuring payments aren't really done without your knowledge. You set them up to come out on a certain day and for a certain dollar amount. It's easier for the customer than having to remember every month to pay.
Mrs. V on 01/13/2012:
Another option is to check with your bank and see if they have bill payment.

With this, all you have to do is go online with your bank website and post a payment to them.

Then your bank will send out the check or auto transfer the payment from your account to whom ever you are payings bank account.

Most banks have this as a free or low cost option.
redmx3racer on 01/13/2012:
Yeah I found out they do that too. I still went paperless, but just use my banks online bill pay (as I always did before anyway), which does not cost me anything.

Good Answer Mrs. V ha ha.
Mrs. V on 01/13/2012:
Thank you ^_^
harleyguy55 on 06/04/2012:
they have been taking my payments out automatically every month like I asked, but they take the money on the same day like they should but don't post the payment until the following business day so if it happens to be a Monday or Tuesday I get charged 3 to 4 more days intrests is this right
D Arrigo on 05/10/2013:
I also do/did the online payment option because I'm in the military. For no reason I was locked out of my account and could not make a payment or get anyone to address the problem. The rotten bastards are now calling me at night like I was trying to avoid making my payments. I have explained to situation over and over to several Harley Davidson morons . They will not listen just keep threatening me. DON'T GET INVOLVED WITH THESE LOW LIFE SCUM BAGS YOU WILL REGRET IT!
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2010 Screaming Eagle Clutch
Posted by on
NEW, Flagship of Harley Davidson, 2010 Ultra Classic Screaming Eagle. Loud Whine with clutch pulled in while in first gear, selling dealer is located about 152 miles away, they came and picked it up, drained clutch and/or tranny and said all is fine. Delivered bike back to me. Got about 1.5 - 2 miles from home, when suddenly the clutch would not disengage, could not stop bike, it stalled when I hit the break hard and then it was VERY difficult to start. Had to shut it off at every intersection since I cound not get the bike to stop. I called dealer and they hadd no idea what would cause the problem. Simple internet search (less than 1/2 hour) I discovered this is a common problem with the Screaming Eagles. From everything I have been able to find out it is air in the clutch cylinder. Informed another dealer who came and picked up the bike. Awaiting to hear what they say. $39,185.00 motorcycle, Special Vehicle Operations division with a limited number of people building it and it has been in the shop longer than it has been at my house! Bougth it on Sept 28th, I have put 322 miles on it, and the selling dealer was 152 miles away, so half of that mileage is just getting home when I bought it. This is my 5th new Harley, if this continues it will be my last Harley. This is an extremely dangerous defect/problem, the operator has no to very little control over the vehicle but do I see a recall???? NO. I filed a complaint with the NHTSB for safery reasons.
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gerry on 06/02/2013:
Tep....I'm starting to have problems with my 2010 cvo ultra too.Ya pull the clutch in when stopped and clutch is still slightly engaged.Goes into gear with a slam and shifts really bad.2700 miles on it.bled out and still does the same thing.Starting to think I bought a POS
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Harley reverse keeps quiting / burnt out at 8000 miles.
Posted by on
My 2010 quit working three times in one week. After reseting the breaker the last time it finally just sits there and clicks. Was told to bring it back in 10 days to look at it. Yea that's right 10 freaking days for warranty work. $33,000 ride and I have to push it backwards for 10 days. You would think a 1300.00 option would last longer. Think I would have learned after all the electrical problems with my last two Harleys. This is my Harley
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azRider on 07/12/2011:
I remember the days when we had to muscle the beast backwards. we had no backup gear. but then again bikes in the old days did not cost 33K.
ChuhBaca on 07/12/2011:
azRider, I was thinking the same thing when I read the title, but a Tri-Glide is a trike. Very heavy.
Whiteduck on 07/12/2011:
I had a Harley with a sidecar. Also had to muscle it backwards as they didn't have reverse gear. Wasn't a big deal as long as I parked knowing this would be an issue.

Doesn't fix this issue though, so good luck. Sounds like something they'll probably address OK once you get it back in... (that 10 day thing would be my biggest complaint).
ChuhBaca on 07/12/2011:
Good advice, White Duck. I think anyone that rides anything bigger than 250 would benefit from know to park with the nose uphill.

A $33k Harley should work as designed, though. You would think the premium price would warrant premium service. It sure isn't being used for R&D.
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