Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: CO

Complaint narrative:
Complaint to Harley-Davidson Financial Services via CFPB Portal Subject : Request for Remedy : Delivery of Lawful Dollars Represented by XXXX FRNs Loaned on XX/XX/XXXX Dear Harley-Davidson Financial Services , I am submitting this complaint to request the delivery of XXXX lawful dollars in the form of American Gold and Silver Eagles , which were represented by the XXXX Federal Reserve Notes ( FRNs ) loaned to me by Harley-Davidson Financial Services on XX/XX/XXXX XXXX My request is based on the constitutional and statutory definitions of lawful money, the legal tender provisions, and the unconstitutional revocation of FRN redeemability in gold and silver. 

Additionally, I demand that if Harley-Davidson Financial Services can not provide proof that the FRNs loaned to me were adequately secured by lawful dollars or deliver lawful money as defined under U.S. law , all legal and financial actions against me must be resolved in my favor. 

1. Federal Reserve Notes as Legal Tender and Their Conditional Nature Federal Reserve Notes are classified as legal tender under 31 USC 5103, which states : " United States coins and currency ( including Federal Reserve Notes ) are legal tender for all debts, public charges, taxes, and dues. '' This legal tender status was conditionally granted under the Federal Reserve Act of 1913, which allowed FRNs to function as valid representations of lawful money because they were redeemable in gold and silver. This redeemability ensured that FRNs represented tangible value in the form of gold and silver coinage, satisfying constitutional requirements. 

Without the redeemability that was foundational to their issuance, FRNs no longer meet the original conditions of lawful tender as required by U.S. law and the Constitution. 

2. The Unconstitutional Revocation of Redeemability The U.S. government unconstitutionally revoked the redeemability of FRNs in gold and silver through actions taken in 1933 ( domestically ) and 1971 ( internationally ). These actions violated fundamental constitutional principles : Article I, Section 8 grants Congress the power to " coin Money '' and regulate its value, but it does not authorize the issuance of irredeemable XXXX currency. 
Article I, Section 10 explicitly prohibits states from making " any Thing but gold and silver Coin a Tender in Payment of Debts. '' Unconstitutional Authority : No president, Congress, or judiciary has the power to nullify or suspend the Constitution by decree. Any attempt to revoke the redeemability of FRNs without a constitutional amendment is null and void. 
The removal of FRN redeemability severed their link to lawful money, leaving them as unsecured XXXX currency. This undermines their status as valid consideration in financial transactions, including loans. 

XXXX. Distinction Between Lawful Money and Functional Money The Government Printing Offices Style Manual XXXX draws a clear distinction between lawful money and functional money : " Federal Reserve Notes are not dollars but are obligations of the United States. '' Lawful Money : Tangible units of value tied to specific weights of gold and silver, such as American Gold and Silver Eagles, explicitly defined under 31 USC 5112 ( a ). 
Functional Money : Federal Reserve Notes, as debt instruments, were intended to represent claims on lawful money. Without redeemability, they fail to satisfy this purpose. 
American Gold and Silver Eagles are the only current forms of lawful money minted by the U.S. government and represent the standard for satisfying dollar-denominated obligations. 

4. Request for Remedy As a recipient of a loan from Harley-Davidson Financial Services on XX/XX/XXXX, I request the delivery of XXXX lawful dollars in the form of American Gold and Silver Eagles , based on the statutory definitions of a dollar : Gold Dollar Equivalent : XXXX XXXX = XXXX American Gold Eagles ( 1 oz, {$50.00} face value each ). 
Silver Dollar Equivalent : XXXX XXXX = XXXX American Silver Eagles ( 1 oz, {$1.00} face value each ). 
This calculation adheres strictly to the statutory definitions of lawful money and is not influenced by fluctuating market rates. 

5. Interim Request : Audited Financial Balance Sheet As an interim step, I request that Harley-Davidson Financial Services provide an audited financial balance sheet demonstrating : That Harley-Davidson Financial Services possessed the equivalent amount of lawful dollars ( American Gold and Silver Eagles or other gold and silver coinage ) on its books prior to issuing my loan. 
That Harley-Davidson Financial Services moved the equivalent amount from assets to liabilities upon the issuance of my loan. 
This documentation is critical to verify that the loan was backed by lawful money, as required by the Federal Reserve Act and constitutional principles. 

6. If Adequate Security or Delivery of Lawful Money Can not Be Provided If Harley-Davidson Financial Services can not : Provide proof that the XXXX FRNs loaned to me were adequately secured by lawful money, or Deliver the equivalent amount of lawful dollars in American Gold and Silver Eagles , Then I demand the following : Immediate removal of any and all lawsuits against me related to this loan. 
Delivery of the vehicles title free and clear, confirming that the loan obligation has been fully satisfied. 
Undoing of any deleterious actions, including the removal of any negative reporting to credit agencies or other adverse financial consequences. 
7. Justification for This Request Backing of FRNs : FRNs derive their legitimacy as securities or obligations based on their status as claims on lawful money. Without redeemability or equivalent backing, they fail to meet constitutional and statutory standards. 
Unconstitutional Actions Can not Be Upheld : The revocation of FRN redeemability violated constitutional mandates and must be treated as unlawful. 
American Gold and Silver Eagles : As explicitly defined in 31 USC 5112 ( a ), these coins represent lawful money and fulfill constitutional and statutory definitions of a dollar.

Company response to consumer: Closed with explanation