Total CFPB complaints
213
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 213 complaints
Harley Davidson Financial Services Inc — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Harley Davidson Financial Services Inc
- Communication tactics
Communication tactics
60 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
37 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
35 complaints
- Written notification about debt 16
Written notification about debt
16 complaints
- False statements or representation 13
False statements or representation
13 complaints
- Threatened to contact someone or share information improperly 11
Threatened to contact someone or share information improperly
11 complaints
C
Grade C · 59.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Harley Davidson Financial Services Inc?
Harley Davidson Financial Services Inc has accumulated 213 total CFPB complaints across 39 states, with 65 filed in the most recent 12 months against 148 historical complaints before that window. The trailing-12-month volume represents 30.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 14% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 39 states, led by California with 33 and Texas with 24, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.8/100 places Harley Davidson Financial Services Inc in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
65
30.5% of total history
Rising ↑
States active
39
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
C
59.8/100 composite
Response-quality profile
How Harley Davidson Financial Services Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 27.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Harley Davidson Financial Services Inc compare to its peers?
Harley Davidson Financ… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-02 2026-03
Top Consumer Issues
Communication tactics60 (%)
Took or threatened to take negative or legal action37 (%)
Attempts to collect debt not owed35 (%)
Written notification about debt16 (%)
False statements or representation13 (%)
Threatened to contact someone or share information improperly11 (%)
Cont'd attempts collect debt not owed7 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 46 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 31 |
| Attempts to collect debt not owed | Debt is not yours | 27 |
| Written notification about debt | Didn't receive enough information to verify debt | 16 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 14 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 11 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 6 |
Where do complaints against Harley Davidson Financial Services Inc come from?
The states where consumers have filed the most CFPB complaints against Harley Davidson Financial Services Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Harley Davidson Financial Services Inc
Across 39 states with at least one filing
- California
California
33 complaints
- Texas
Texas
24 complaints
- Florida
Florida
19 complaints
- Illinois 9
Illinois
9 complaints
- Pennsylvania 9
Pennsylvania
9 complaints
- North Carolina 8
North Carolina
8 complaints
- Ohio 7
Ohio
7 complaints
- Georgia 7
Georgia
7 complaints
Frequently Asked Questions
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 213 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 65 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: 59.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 39 states, with the most complaints from California (33 complaints).
What can I do if Harley Davidson Financial Services Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Harley Davidson Financial Services Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |