Product behavior map for digital creditor operations, consumer servicing, payments, communications, reporting, and account guardrails.
Special Flows
Special creditor workflows for dynamic offer reassignment, negotiation protection, and offer snapshots.
Set Up Wizard
Track required creditor setup blockers before normal portal access is available.
Membership Settings
Review and manage a creditor's YouNegotiate membership plan and billing settings.
Create Account
Process for creating a new user account in the Creditor Portal.
Verify Email
Process for verifying a user's email address after registration in the Creditor Portal.
Login
Process for authenticating a user and granting access to the Creditor Portal.
Reset Password
Process for authenticating a user and granting access to the Creditor Portal.
Company Profile
Overview of the company profile management process within the Creditor Portal.
Business Verification/KYB
Process for verifying a business entity's identity and legitimacy within the Creditor Portal, ensuring compliance with regulatory requirements and mitigating risks associated with fraudulent activities.
Membership Plan Selection
Process for selecting and managing membership plans within the Creditor Portal.
Payment Method Setup
Process for setting up and managing payment methods within the Creditor Portal.
Activate Membership
Process for activating a user's membership within the Creditor Portal.
Membership Plans
Membership plan billing cycles, plan management behavior, and plan change rules.
Membership Types
Billing categories for membership hosting, add-on accounts, communications, payment vaults, and EcoMail delivery.
Billing History
Creditor billing history records for charges, invoices, payment outcomes, and auditability.
Payment Methods
A list of all payment methods available for the creditor.
Invoices
A list of all invoices generated for the creditor.
Payment Retry Processing
Failed billing transactions may be retried when payment is due and a valid membership payment method exists.
Third Party APIs
External services used by the platform to support communications, identity verification, address validation, payment security, and payment processing.
Offer Hierarchy & Delivery
Defines how offers are selected, assigned, and delivered to consumer accounts.
Webhooks & Integrations
Background integrations used for communication tracking, delivery confirmation, consumer responses, and platform automation.
Registration & Login
Create and access a creditor portal account.
Email Verification
Confirm a creditor user's email address before account access is treated as verified.
Forgot Password & Reset Flow
Allow creditor users to securely reset their password and regain portal access.
Invited User Password Setup
Allow an invited creditor user to set their password from a secure email link before logging in.
CFPB Validation Letters
Manage CFPB-capable account uploads, download validation letters, and send secure CFPB EcoLetters.
Secure CFPB EcoLetter Delivery
ABC Collections sends CFPB validation letters to a group of consumers.
EcoLetter Template
ABC Collections creates an EcoLetter template called "Upcoming Payment Reminder".
Groups
ABC Collections wants to send a reminder to consumers with payments due next week. They create a group called "Payments Due Next Week".
Schedule Campaign
ABC Collections schedules an email reminder for the "Payments Due Next Week" group. The campaign is scheduled for Monday at 9:00 AM.
Campaign Tracker
ABC Collections sends a campaign to 500 consumers. After the campaign runs, the creditor opens Campaign Tracker to see whether the messages were processed.
Import File
ABC Collections receives a placement file and uses Import File to add, update, delete, or prepare CFPB accounts.
Import History
ABC Collections uploaded a consumer file yesterday. Today, an employee wants to confirm whether all consumers were imported successfully.
Import Consumer Processing
Manual CSV uploads and SFTP imports share the same consumer-import queue pipeline.
Create Report
ABC Collections needs a payment report for April. The creditor chooses the payment report, selects April 1 through April 30, and generates the report.
Schedule Report
ABC Collections wants a failed payments report every Monday morning. They choose the report type, set the schedule, and add the finance team as recipients.
Report History
ABC Collections scheduled a weekly payment report. The finance team says they did not receive last week's report.
Scheduled Report Delivery
ABC Collections schedules a weekly report.
Account Settings
ABC Collections moves its support team from Eastern Time to Central Time and updates its business hours.
Billing History
ABC Collections is charged for its monthly membership renewal. The charge should appear in Billing History with the amount, status, and invoice option.
Change Password
Sarah from ABC Collections knows her current password but wants to change it.
Consumer Profiles
Jane calls ABC Collections and asks why her balance changed.
Consumer Profile Detail Actions
A creditor opens Jane's consumer profile to review scheduled transactions, payment history, EcoLetters, account expiration, and plan actions.
Merchant Account
Jane has a scheduled payment due today for ABC Collections. The system should use ABC Collections' merchant account when charging Jane's saved payment method.
Merchant Onboarding Details
ABC Collections submits Tilled merchant information and later receives a required-more-information request.
Header Profiles
ABC Collections receives files where the account number column is named "Acct No".
SFTP Connections
ABC Collections sends consumer import files to an SFTP folder, and YouNegotiate picks them up on a schedule.
Sub Accounts
ABC Collections has two business units: Medical Collections and Retail Collections.
Pay Terms Offers
ABC Collections has a master creditor account and two subaccounts: Retail Accounts and Medical Accounts.
Individual Custom Offers
Manage special offer terms for specific consumers.
Terms & Conditions
Manage the legal or business terms shown to consumers.
About Us & Contact
Manage company information shown to consumers.
Logo & Links
ABC Collections uploads its company logo and support website link.
Users
ABC Collections hires Sarah to manage consumer accounts. A parent creditor admin creates Sarah as a user and gives her the correct access.
