This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 249 complaints

Harley Davidson Financial Services Inc - Debt Collector Complaint Profile

CFPB complaint profile across 41 states, reputation grade C.

Complaints by issue type

What consumers report about Harley Davidson Financial Services Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record harley-davidson-financial-services-inc Harley Davidson Financial Services Inc

Grade C · 249 CFPB filings · 99% timely · lead issue: Communication tactics · vol #453 · compose #38

  • VOL 249
  • GRADE C
  • 12MO 91
  • STATES 41
  • TIMELY 99%
  • DISPUTE 14%
  • ISSUE Communication tactics
  • RANK #453
  • COMPOSE #38

Volume peers

Nearest volume peer: Credit Central Holdings, LLC (250 complaints)

Gold KEY Credit, Inc.Gold KEY Credit, Inc.248Harley Davidson Financial Services Inc (this)Harley Davidson Financial Se…249Credit Central Holdings, LLCCredit Central Holdings, LLC250P.S.C., IncP.S.C., Inc250Wilber and Associates, P.C.Wilber and Associates, P.C.250
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Harley Davidson Financial Services Inc's 249 CFPB complaints sit next to Credit Central Holdings, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 249 complaints break down

Every complaint issue type on record for Harley Davidson Financial Services Inc, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.2/100
Harley Davidson Financial Services Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
249
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for Harley Davidson Financial Services Inc (16.5%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 16.5%
Mid-band (15–30%) · 41 states with ≥1 filing
Seasonal peak
2026-01 9.2%
8–15% band · 17 filings
Corpus ranks
#453 volume
#38 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Harley Davidson Financial Services Inc compare to its peers?

How does Harley Davidson Financial Services Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Harley Davidson Financial Services Inc National average
Complaints (last 12 mo)lower is better
91
52
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
14%
19%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Harley Davidson Financial Services Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 90%95%100%105% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Harley Davidson Financial Services Inc vs. 9 similar-volume peers, by response speed and dispute rate Harley Davidson Financial Services IncWilber and Associates, P.C.GOLD KEY CREDIT, INC.P.S.C., IncCredit Central Holdings, LLCWorld Omni Financial Corp.Kansas Counselors, Inc.Financial Management Solutions, LLCBC SERVICES, INC.Merchants and Professional Bureau, Inc.
Source: CFPB Consumer Complaint Database

Harley Davidson Financial Services Inc's complaint volume in context

Harley Davidson Financial Services Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

249 Top 8% higher than 92% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Harley Davidson Financial Services Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Communication tactics
67
Took or threatened to take negative or legal action
61
Attempts to collect debt not owed
51
Written notification about debt
21
False statements or representation
17
Threatened to contact someone or share information improperly
14
Cont'd attempts collect debt not owed
11
Improper contact or sharing of info
3
Disclosure verification of debt
2
Taking/threatening an illegal action
2

Where do complaints against Harley Davidson Financial Services Inc come from?

Harley Davidson Financial Services Inc's own per-state count, not a national baseline.

Top states by complaints against Harley Davidson Financial Services Inc

Across 41 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Harley Davidson Financial Services Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 249.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.06103286384976%.

4 peers

Know your rights before responding to Harley Davidson Financial Services Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.