GAgalileo-ft
Accounts and Cards

Recover Charged-Off Account

Changed on

Use the Recover Charged-Off Account endpoint to change a charged-off account (status: R) to another status (active or canceled without refund) and to restore the account balance. Using this endpoint is valid only when there was an outstanding positive balance at the time of charge-off.

post/recoverChargedOffAccount

Request

  • Base URL
    api-{corename}.{env}.gpsrv.com/intserv/4.0/ (relative, and the document’s source URL is not known)
  • URL
    api-{corename}.{env}.gpsrv.com/intserv/4.0/recoverChargedOffAccount
  • Auth
    none declared

Request body application/x-www-form-urlencoded

apiLoginstring required

Web service username, as provided by SoFi Tech Solutions. Pattern: Max 50 characters Example: "AbC123-9999"

apiTransKeystring required

Web service password, as provided by SoFi Tech Solutions. Pattern: Max 15 characters Example: "4sb62fh6w4h7w34g"

providerIdinteger required

Your unique provider identifier from SoFi Tech Solutions. Pattern: Max 10 digits Example: 9999

transactionIdstring required

Supply a globally unique ID to identify this endpoint request ("transaction"). Might be used for <a href="ref:idempotency#endpoints-that-use-transactionid-for-idempotency" target="_blank">idempotency</a>. A UUID is preferred. Pattern: Maximum 60 characters Example: "9845dk-39fdk3fj3-4483483478"

accountNostring required

The <glossary:PRN> or <glossary:PAN> of the account. Do not use the PRN if more than one cardhas ever been associated with this account. Pattern: PAN or PRN Example: "074103447228"

chargeOffRecoveryAmtnumber float required

The amount to restore to the recovered account. Cannot be more than what the account contained when it was charged off. Pattern: Monetary amount 0 or greater. Example: 100.00, 100, 100.73

newAccountStatus'Z' | 'N' required

Account status for the recovered account. Only "N" (active) and "Z" (canceled without refund) are valid values. Pattern: String Example: "N"

closureReason'inactivity' | 'paid_user' | 'chargeoff' | 'collection' | 'deleted_fraud' | 'external_application_fraud_first_party_synthetic_id' | 'external_application_fraud_first_party_income_misrepresentation' | 'external_application_fraud_first_party_employment_misrepresentation' | 'external_application_fraud_first_party_other_misrepresentation' | 'external_credit_fraud_first_party_loan_stacking' | 'external_credit_fraud_first_party_forced_post_transaction' | 'external_credit_fraud_first_party_bustout' | 'external_credit_fraud_first_party_other' | 'external_deposit_fraud_first_party' | 'external_mule_fraud_first_party_witting_mule' | 'external_mule_fraud_first_party_unwitting_mule' | 'external_profile_level_application_fraud_third_party_id_theft_existing_member' | 'external_profile_level_application_fraud_third_party_id_theft_unknown_entity' | 'external_account_takeover_fraud_third_party_social_engineering_phishing' | 'external_account_takeover_fraud_third_party_compromised_credentials' | 'external_account_takeover_fraud_third_party_sim_swap' | 'external_account_takeover_fraud_third_party_password_profile_recovery_exploits' | 'external_account_takeover_fraud_third_party_other_account_takeover' | 'external_account_unauthorized_transaction_third_party_family_friendly_fraud' | 'external_account_unauthorized_transaction_third_party_elder_abuse_financial_exploitation' | 'external_account_unauthorized_transaction_third_party_unemployment_benefit_fraud' | 'external_account_unauthorized_transaction_third_party_compromised_account_number' | 'external_account_unauthorized_transaction_third_party_other' | 'external_account_unauthorized_transaction_third_party_compromised_card_number' | 'external_account_unauthorized_transaction_third_party_lost_stolen' | 'external_account_authorized_transaction_third_party_scam_charity' | 'external_account_authorized_transaction_third_party_scam_investment' | 'external_account_authorized_transaction_third_party_scam_goods_services' | 'external_account_authorized_transaction_third_party_scam_jobs' | 'external_account_authorized_transaction_third_party_scam_property_real_estate' | 'external_account_authorized_transaction_third_party_scam_romance' | 'external_account_authorized_transaction_third_party_scam_known_family_friend' | 'external_account_authorized_transaction_third_party_scam_other' | 'internal_asset_misappropriation_fraud' | 'internal_theft_fraud_access_abuse' | 'internal_member_information_abuse_theft' | 'internal_insider_insider_collusion' | 'internal_insider_outsider_collusion' | 'paid_chargeoff' | 'paid_collection' | 'deleted_no_fraud' | 'deceased' nullable

Specifies the account closure reason. See the <a href="page:account-closure-reasons" target="_blank">Account Closure Reasons</a> enumeration for valid values. Pattern: String Example: "chargeoff"

Example request

{
  "apiLogin": "AbC123-9999",
  "apiTransKey": "4sb62fh6w4h7w34g",
  "providerId": 9999,
  "transactionId": "123e4567-e89b-12d3-a456-426614174000",
  "accountNo": "074103447228",
  "chargeOffRecoveryAmt": 100,
  "newAccountStatus": "N",
  "closureReason": "chargeoff"
}

Response

status_codeinteger nullable required

The response status code. May return a string for some statuses.

statusstring nullable required

The condition of a process or response

processing_timenumber float nullable required

The time elapsed in processing the transaction

system_timestampstring date-time nullable required

A system generated timestamp

rtokenstring nullable required

A system-generated ID used for tracking

errorsstring[]

A list of errors generated while the request was processed

response_dataobject required

A structure for the response data. This endpoint does not return response data, so it will always be empty.

Changes

  • 1ede7567a879Revision changes
    • info

      added the new external_deposit_fraud_first_party enum value to the request property