What is the most common complaint against Harley Davidson Financial Services Inc?

The most common issue consumers report about Harley Davidson Financial Services Inc is "Communication tactics", specifically "Frequent or repeated calls". This is based on 249 complaints filed with the CFPB.

Are complaints against Harley Davidson Financial Services Inc increasing or decreasing?

Complaints against Harley Davidson Financial Services Inc are rising. The company received 91 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Harley Davidson Financial Services Inc's reputation grade?

Harley Davidson Financial Services Inc has a reputation grade of C (score: 57.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Harley Davidson Financial Services Inc respond to consumer complaints?

Harley Davidson Financial Services Inc has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does Harley Davidson Financial Services Inc operate?

Harley Davidson Financial Services Inc has received CFPB complaints from consumers in 41 states, with the most complaints from California (41 complaints).

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

Harley Davidson Financial Services Inc - Debt Collector Complaint Profile

CFPB complaint profile across 41 states, reputation grade C.

Compiled by PlainCollector

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

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 #2901

VOL 249
GRADE C
12MO 91
STATES 41
TIMELY 99%
DISPUTE 14%
ISSUE Communication tactics
RANK #453
COMPOSE #2,901

Volume peers

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

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 →

Filing geometry

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

Volume rank #453 and composite rank #2,901 diverge by 2,448 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #453 volume; #2,901 composite; Cleanest-composite ladder is 2,448 places worse than volume

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 Financ… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

41
Texas

29
Florida

19
North Carolina

13
Arizona

11
Illinois

11
Pennsylvania

10
Georgia

8

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.