> ## Documentation Index
> Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt
> Use this file to discover all available pages before exploring further.

# List report not-paying reasons

> Return the system reasons shown before a consumer reports an account as not paying or disputed. Reasons are returned in frontend display order, with `Dispute - this is not my account` first and `Account Settled/Paid` second.



## OpenAPI

````yaml /api/consumer.openapi.yaml get /accounts/not-paying-reasons
openapi: 3.1.0
info:
  title: YouNegotiate Consumer API
  version: '2.0'
  description: >-
    Stateless API endpoints for consumer portal authentication and account
    access.
servers:
  - url: https://api.consumer.younegotiate.com
    description: Production
security: []
tags:
  - name: System
    description: Public consumer domain system and health endpoints.
  - name: Authentication
    description: >-
      Consumer identity matching, contact capture, OTP verification, token
      creation, and logout endpoints.
  - name: Profile - My ecoAddress
    description: Consumer profile tab for signed-in identity / ecoAddress context.
  - name: Profile - Communication Controls
    description: >-
      Consumer profile tab for communication permissions, email/mobile changes,
      and email/mobile verification.
  - name: Profile - My Billing Details
    description: >-
      Consumer profile tab for billing name and billing address details used for
      payment verification.
  - name: Profile - Personalize My Portal
    description: Consumer profile tab for portal colors and profile image personalization.
  - name: Accounts
    description: Consumer-owned account list and account detail endpoints.
  - name: Bill Pay Wallet
    description: >-
      Consumer Bill Pay Wallet saved payment profiles and scheduled payment
      method update endpoints.
  - name: Upcoming Payments
    description: >-
      Consumer My Bill Pay Calendar upcoming-payment rows and calendar display
      data.
  - name: Calendar Sync
    description: >-
      Consumer Google and Microsoft calendar connection, OAuth callback, and
      live-update endpoints.
  - name: Gift Registry
    description: >-
      Consumer Bill Pay Gift Registry account list, shared registry, and Helping
      Hand link endpoints.
  - name: EcoMailbox
    description: Consumer MyEcoMailBox list endpoints and unread sidebar badge state.
  - name: Notice Responses
    description: >-
      Consumer My Account notice-response wizard endpoints for sender details
      and account details.
paths:
  /accounts/not-paying-reasons:
    get:
      tags:
        - Accounts
      summary: List report not-paying reasons
      description: >-
        Return the system reasons shown before a consumer reports an account as
        not paying or disputed. Reasons are returned in frontend display order,
        with `Dispute - this is not my account` first and `Account Settled/Paid`
        second.
      operationId: consumerListReportNotPayingReasons
      responses:
        '200':
          description: Report not-paying reasons returned.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ConsumerNotPayingReasonListResponse'
        '401':
          $ref: '#/components/responses/Unauthenticated'
        '409':
          $ref: '#/components/responses/ProfileIncomplete'
      security:
        - bearerAuth: []
components:
  schemas:
    ConsumerNotPayingReasonListResponse:
      type: object
      required:
        - data
      properties:
        data:
          type: array
          items:
            $ref: '#/components/schemas/ConsumerNotPayingReason'
    ConsumerNotPayingReason:
      type: object
      required:
        - id
        - label
        - display_label
        - is_other
      properties:
        id:
          type: integer
          example: 7
        label:
          type: string
          description: Stored reason label.
          example: Account Settled/Paid
        display_label:
          type: string
          description: Frontend display label.
          example: Account Settled/Paid
        is_other:
          type: boolean
          description: >-
            True when selecting this reason should reveal the custom reason
            textarea.
          example: false
    MessageResponse:
      type: object
      required:
        - message
      properties:
        message:
          type: string
    ProfileIncompleteResponse:
      type: object
      required:
        - code
        - message
        - required_steps
      properties:
        code:
          type: string
          example: profile_incomplete
        message:
          type: string
          example: Please complete your communication profile before viewing accounts.
        required_steps:
          type: array
          items:
            type: string
          example:
            - profile_communication
  responses:
    Unauthenticated:
      description: Missing or invalid bearer token.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/MessageResponse'
    ProfileIncomplete:
      description: >-
        The authenticated consumer profile must complete communication setup
        before My Account can be shown.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ProfileIncompleteResponse'
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: Sanctum token

````