curl --request POST \
--url https://api.finosu.com/loans/{id}/cancel-servicing \
--header 'Content-Type: application/json' \
--header 'X-API-Key: <api-key>' \
--data '
{
"reason": "PAID_OFF"
}
'import requests
url = "https://api.finosu.com/loans/{id}/cancel-servicing"
payload = { "reason": "PAID_OFF" }
headers = {
"X-API-Key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({reason: 'PAID_OFF'})
};
fetch('https://api.finosu.com/loans/{id}/cancel-servicing', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.finosu.com/loans/{id}/cancel-servicing",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'reason' => 'PAID_OFF'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-Key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.finosu.com/loans/{id}/cancel-servicing"
payload := strings.NewReader("{\n \"reason\": \"PAID_OFF\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-API-Key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.finosu.com/loans/{id}/cancel-servicing")
.header("X-API-Key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"reason\": \"PAID_OFF\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.finosu.com/loans/{id}/cancel-servicing")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"reason\": \"PAID_OFF\"\n}"
response = http.request(request)
puts response.read_body{
"id": "<string>",
"servicingStatus": "NOT_SERVICING",
"stopServicingReason": "PAID_OFF",
"cancelledScheduledPayments": 3,
"cancelledCallSchedules": 1,
"cancelledEmailSchedules": 1,
"cancelledSmsSchedules": 1,
"cancelledCalls": 5,
"cancelledEmails": 2,
"cancelledSms": 3
}{
"error": 123,
"message": "<string>"
}{
"error": 123,
"message": "<string>"
}{
"error": 123,
"message": "<string>"
}Cancel Loan Servicing
Cancel loan servicing and all associated scheduled payments and communications. Sets the loan’s servicing status to NOT_SERVICING and cancels all pending scheduled payments, calls, emails, and SMS.
curl --request POST \
--url https://api.finosu.com/loans/{id}/cancel-servicing \
--header 'Content-Type: application/json' \
--header 'X-API-Key: <api-key>' \
--data '
{
"reason": "PAID_OFF"
}
'import requests
url = "https://api.finosu.com/loans/{id}/cancel-servicing"
payload = { "reason": "PAID_OFF" }
headers = {
"X-API-Key": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({reason: 'PAID_OFF'})
};
fetch('https://api.finosu.com/loans/{id}/cancel-servicing', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.finosu.com/loans/{id}/cancel-servicing",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'reason' => 'PAID_OFF'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-Key: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.finosu.com/loans/{id}/cancel-servicing"
payload := strings.NewReader("{\n \"reason\": \"PAID_OFF\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-API-Key", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.finosu.com/loans/{id}/cancel-servicing")
.header("X-API-Key", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"reason\": \"PAID_OFF\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.finosu.com/loans/{id}/cancel-servicing")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"reason\": \"PAID_OFF\"\n}"
response = http.request(request)
puts response.read_body{
"id": "<string>",
"servicingStatus": "NOT_SERVICING",
"stopServicingReason": "PAID_OFF",
"cancelledScheduledPayments": 3,
"cancelledCallSchedules": 1,
"cancelledEmailSchedules": 1,
"cancelledSmsSchedules": 1,
"cancelledCalls": 5,
"cancelledEmails": 2,
"cancelledSms": 3
}{
"error": 123,
"message": "<string>"
}{
"error": 123,
"message": "<string>"
}{
"error": 123,
"message": "<string>"
}Overview
This endpoint cancels servicing for a specific loan, stopping all automated communications and scheduled payments. Use this when a loan should no longer be actively serviced by the platform.What Gets Cancelled
When you call this endpoint, the following actions are taken:- Loan Status: Sets the loan’s servicing status to
NOT_SERVICING - Stop Reason: Records the reason for stopping servicing (defaults to
API_REQUEST) - Scheduled Payments: Cancels all pending scheduled payments for the loan
- Scheduled Calls: Cancels all pending scheduled calls
- Scheduled Emails: Cancels all pending scheduled emails
- Scheduled SMS: Cancels all pending scheduled SMS messages
- Call Schedules: Cancels all active loan call schedules
- Email Schedules: Cancels all active loan email schedules
- SMS Schedules: Cancels all active loan SMS schedules
Use Cases
- Customer has paid off their loan in full
- Loan has been sold to another servicer
- Customer filed for bankruptcy
- Fraud has been detected on the account
- Customer is deceased
- Customer is in the military (SCRA protection)
- Loan was created by mistake and needs to be removed from servicing
Stop Servicing Reasons
You can optionally provide a reason for stopping servicing. Valid values are:| Reason | Description |
|---|---|
API_REQUEST | Default reason when cancelled via API |
PAID_OFF | Loan has been paid in full |
BANKRUPTCY | Customer filed for bankruptcy |
FRAUD_CLAIM | Fraud detected on the account |
MILITARY | Customer is protected under SCRA |
DECEASED | Customer is deceased |
INCARCERATED | Customer is incarcerated |
DEBT_MANAGEMENT_COMPANY | Account transferred to debt management |
NO_LOGIN_2M | No customer login for 2 months |
NO_PAYMENT_OR_PLAN_3M | No payment or plan for 3 months |
NO_PLAN_PAYMENT_2M | No plan payment for 2 months |
NO_PAYMENT_OR_PLAN_4M | No payment or plan for 4 months |
SOLD_OFF | Loan sold to another servicer |
MISTAKE | Loan was created in error |
NO_VALID_COMMUNICATION_CHANNEL | No valid way to contact customer |
DEBT_DISPUTE | Customer is disputing the debt |
COMPLAINT_TRIGGER | Triggered by customer complaint |
HISTORICAL_INELIGIBLE | Historically ineligible for servicing |
DUPLICATE | Duplicate loan record |
REFUSES_TO_PAY | Customer refuses to pay |
LMS_CLOSED | Loan closed from external LMS sync |
Request Body
The request body is optional. If not provided, the reason defaults toAPI_REQUEST.
{
"reason": "PAID_OFF"
}
Response
The response includes counts of all cancelled items:{
"id": "LOAN-12345",
"servicingStatus": "NOT_SERVICING",
"stopServicingReason": "PAID_OFF",
"cancelledScheduledPayments": 3,
"cancelledCallSchedules": 1,
"cancelledEmailSchedules": 1,
"cancelledSmsSchedules": 1,
"cancelledCalls": 5,
"cancelledEmails": 2,
"cancelledSms": 3
}
Error Responses
| Status Code | Description |
|---|---|
| 400 | Invalid reason provided |
| 404 | Loan not found |
| 500 | Internal server error |
Authorizations
Path Parameters
External reference ID of the loan to cancel servicing for
Body
Optional reason for stopping servicing. Defaults to API_REQUEST if not specified.
Reason for stopping servicing. Defaults to API_REQUEST if not specified.
PAID_OFF, BANKRUPTCY, FRAUD_CLAIM, MILITARY, DECEASED, INCARCERATED, DEBT_MANAGEMENT_COMPANY, NO_LOGIN_2M, NO_PAYMENT_OR_PLAN_3M, NO_PLAN_PAYMENT_2M, NO_PAYMENT_OR_PLAN_4M, SOLD_OFF, MISTAKE, NO_VALID_COMMUNICATION_CHANNEL, DEBT_DISPUTE, COMPLAINT_TRIGGER, HISTORICAL_INELIGIBLE, DUPLICATE, REFUSES_TO_PAY, LMS_CLOSED, API_REQUEST "PAID_OFF"
Response
Loan servicing cancelled successfully
Loan external reference ID
New servicing status (NOT_SERVICING)
"NOT_SERVICING"
Reason for stopping servicing
"PAID_OFF"
Number of scheduled payments cancelled
3
Number of call schedules cancelled
1
Number of email schedules cancelled
1
Number of SMS schedules cancelled
1
Number of scheduled calls cancelled
5
Number of scheduled emails cancelled
2
Number of scheduled SMS cancelled
3