Real-World Example
Jane receives an EcoLetter from ABC Collections. She opens EcoMailbox, reads the letter, and downloads it. The portal should mark the letter viewed and update campaign tracking without affecting unrelated letters.
What Appears in EcoMailbox
EcoMailbox is the consumer’s secure destination for EcoLetters, CFPB Regulation F communications, and related resolution messages. A communication appears only when it matches the consumer’s EcoAddress using:
- Last name
- Date of birth
- Last four digits of the Social Security number
New deliveries increase the unread count and follow the consumer’s communication preferences. Opening a message marks it as read and reduces the unread count.
Visual Flow
How It Should Work
- It should show EcoLetters sent to the authenticated consumer.
- It should show each letter’s linked account status using the same wording and color treatment as My Account.
- It should reflect the account’s current state, including counter offers, payment plans, notice responses, disputes, and creditor removal.
- It should support reading, deleting, and downloading allowed letters.
- It should update unread counts and campaign tracking when the consumer engages.
- It should notify the consumer according to their saved communication preferences.
How It Should Not Work
- It should not show letters belonging to another consumer.
- It should not derive the displayed account status from the raw account status when a more specific current state is available.
- It should not lose campaign tracking when a letter is viewed or downloaded.
- It should not delete a letter without respecting the intended consumer action.
Last modified on August 27, 2026
