Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
Harley-Davidson Financial Services Attn : Customer Service & Dispute ResolutionXXXXXXXX XXXX XXXX XXXX XXXX NV XXXX Subject : Formal Demand for Debt Breakdown, Credit Inquiry Removal, and Cessation of Harassment Dear Harley-Davidson Financial Services , I am writing to formally request immediate action regarding my motorcycle financing account. Despite multiple requests, I have not received a detailed breakdown of my outstanding balance and interest calculations. Additionally, I am experiencing excessive and unwarranted contact from your representatives, unauthorized hard credit inquiries, and what appears to be intimidation tactics. The purpose of this letter is to demand the resolution of these issues before taking further legal action. 

1. Breakdown of Debt and Interest Calculation I financed a XXXX XXXX XXXX XXXX XXXX through your institution on XX/XX/XXXX, under an 84-month installment plan. To date, I have made 82 payments. However, I have been informed that I still owe an estimated {$10000.00} in interest and must pay an additional {$3100.00} to avoid repossession. This calculation lacks transparency, and despite multiple requests, your company has failed to provide a clear breakdown of : The original loan principal and interest rate details. 

How each payment has been applied to principal vs. interest. 

A detailed explanation of any additional charges and accrued interest. 

I hereby demand a full, itemized statement within 10 business days of receiving this letter. 

2. Unauthorized Hard Credit Inquiries I have discovered that Harley-Davidson Financial Services has performed over 30 hard inquiries on my credit report without my explicit authorization. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681b ), repeated unauthorized credit checks negatively impact my credit score and may be considered unlawful. 

I demand the immediate removal of all unauthorized hard inquiries from my credit report and a written confirmation that no further inquiries will be made without my consent. 

3. Harassment and Unlawful Intimidation I have received multiple weekly calls from your representatives demanding payment, despite already having arranged to make the payment on the 19th of this month. This excessive contact constitutes harassment under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692d ). Furthermore, I believe that SB Investigations, a third-party agency, has been engaged to intimidate me, further exacerbating this situation. 

I demand an immediate cessation of all unnecessary contact and harassment, including from any third-party agencies acting on your behalf. 

4. Clarification of Repossession Process Given the payments I have already made, I request a written clarification on whether additional charges will continue accruing, how they are calculated, and whether repossession will proceed even after I make the final payments. Any attempt to repossess my motorcycle under unclear and unfair financial terms may constitute a violation of consumer protection laws. 

Final Demand and Next Steps If these issues are not addressed within 10 business days, I will have no choice but to escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for unfair lending practices. 

Pursuing legal action for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Please provide a written response confirming compliance with the above requests no later than [ XX/XX/XXXX, XXXX business days from today ]. You may send this response via email at [ Your Email ] or via postal mail to my address listed above.

Company response to consumer: Closed with explanation