Issue a goodwill credit

Apply a lender-funded courtesy credit with explicit allocation and accounting—without fabricating a borrower payment or hiding a fee correction.

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.

On screen. Goodwill Credit, in the Payments & credits column of the loan actions menu.

Lender-funded value, named as such

CommandPOST /v1/loans/{loanId}/transactions?command=goodwillCredit

Case contextRequired on human calls

ApprovalMaker-checker above configured thresholds

Ledger effectA non-cash credit, allocated in the product order

UndoNone — corrected by a new governed action

Where the credit comes from, and what it moves

Approval in the caseamount, reason standard, rolea person
Credit postsnon-cash, lender-fundedautomatic
Components reducedprincipal, interest, fee, penaltyautomatic
Statement labels itlender credit, not borrower paymentautomatic

Naming the source is the whole point: a courtesy credit recorded as a payment inflates payment-rate metrics and hides a recurring fee defect.

Execute

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
  }
}

Re-read the loan’s transactions for the exact 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.

Eligibility and approval

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

Statements describe it with the configured label. Governance records and reports preserve the source case and approval.

Undo

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.