Susie (same as my wife, but she's Suzy),
I had a problem like yours on a 97 Fatboy (this was a few years ago) with a factory custom color (don't know if you remember the DDR Red ((Stands for Drop Dead Red). Anyway, this was the MoCo's first attempt at Powdercoating all tins for a custom color. Make a long story short, there were chips starting on the front fender (5 or 6). I talked to the stealer and they passed me off. I called the factory (a number of times) and finally got the name of the regional rep. I pissed up his leg for a few weeks (and I mean be a real pain in the A$$) and finally got them to OK a new front fender. I guess the point is that they're gonna tell you that it's your fault, and if it is from road debris, let it go......but if it's defective workmanship or materials, it's gonna be a battle......but fight these guys. They're betting if they run you around long enough, you'll give up (most do). They get hundreds of issues like this every week, and if they get just 10% of them to go away with some run around, they save tens of thousands........
"Go to the mattresses with em"