I understand your confusion, and I think it illustrates exactly why Fred Harvey jewelry isn’t a great term. When most people say Fred Harvey jewelry I they’re referring to jewelry made for the tourist market, mostly commercial but sometimes Native made as chicfarmer pointed out. In most cases it would be very hard to know whether it was actually sold through the Fred Harvey company unless the provenance was known, perhaps this is the case for your bracelet. Occasionally you will see these pieces with original packaging or stickers which can give you that provenance and is cool.
Here’s an old thread where I made a post comparing the old Zuni row bracelets with their machine made commercial imitations: