Issue a goodwill credit

A goodwill credit is value supplied by the lender to reduce what the customer owes. It is useful for service recovery or approved accommodation when the credit is not specifically a fee correction or interest waiver.

Execute

The credit is the governed native command goodwillCredit. A human call carries LendEasy-Case naming an open case when case management is enabled; without it the call is rejected before execution.

curl -X POST "$BASE/v1/loans/7204/transactions?command=goodwillCredit" \
  -H "Authorization: Bearer $TOKEN" \
  -H "LendEasy-Tenant: demo-lender" \
  -H "LendEasy-Case: case_HBR_COMPLAINT_14" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: hbr-goodwill-2027-05-01" \
  -d '{
    "transactionDate": "2027-05-01",
    "transactionAmount": 25.0,
    "note": "Documented service failure; approved courtesy credit.",
    "dateFormat": "yyyy-MM-dd",
    "locale": "en"
  }'

{
  "officeId": 1,
  "clientId": 412,
  "loanId": 7204,
  "resourceId": 30437,
  "changes": {
    "transactionDate": "2027-05-01",
    "transactionAmount": 25.0
  }
}

The ledger allocates the credit under the product’s configured order. Re-read the loan’s transactions for the exact principal, interest, fee, or penalty components it reduced, plus amount-due and payoff effects.

Keep economic meanings distinct

• If an assessed charge was wrong, adjust the charge.
• If a valid unpaid charge is forgiven, waive the charge.
• If interest is forgiven, use an interest waiver.
• If customer money was received, record a payment.
• Use goodwill credit only when lender-funded value is the truthful description.

This distinction prevents courtesy credits from inflating payment-rate metrics or hiding recurring fee defects.

Eligibility and approval

Policy defines allowed amounts, reason standards, and roles; the approval itself lives in the case, and maker-checker can park the command for a second approver above configured thresholds. Every execution writes a governance record readable at GET /v1/loans/7204/governance-records. A credit cannot create an unapproved cash-refund obligation; if it produces a credit balance, disposition follows credit-balance policy.

Result and statements

The credit posts as a non-cash transaction with component allocation. Statements describe it as lender credit with the configured label, not borrower payment. Governance records and reports preserve the source case and approval.

Undo

There is no undo command for a goodwill credit. A credit posted in error is corrected by a new governed action agreed in the case; if the credit has already funded a cash refund or closure, resolve those dependencies first.