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FINERACT-2042: Fix chargeback on overpaid loan

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Adam Saghy
2024-04-10 14:51:38 +02:00
parent d7a4e0e953
commit a7ad33abff
6 changed files with 167 additions and 40 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanChargeback.feature
+134 -6
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@@ -2160,8 +2160,8 @@ Feature: LoanChargeback
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 3.0 | 128.0 | 128.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2024 | 31 January 2024 | 128.0 | 250.0 | 0.0 | 0.0 | 3.0 | 253.0 | 253.0 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2024 | 15 February 2024 | 3.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2024 | 31 January 2024 | 125.0 | 250.0 | 0.0 | 0.0 | 3.0 | 253.0 | 253.0 | 0.0 | 0.0 | 0.0 |
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 625.0 | 0.0 | 0.0 | 6.0 | 631.0 | 631.0 | 0.0 | 125.0 | 0.0 |
@@ -2200,8 +2200,8 @@ Feature: LoanChargeback
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 3.0 | 128.0 | 128.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2024 | 15 February 2024 | 128.0 | 175.0 | 0.0 | 0.0 | 3.0 | 178.0 | 178.0 | 0.0 | 3.0 | 0.0 |
| 4 | 15 | 15 February 2024 | 15 February 2024 | 3.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2024 | 15 February 2024 | 125.0 | 175.0 | 0.0 | 0.0 | 3.0 | 178.0 | 178.0 | 0.0 | 3.0 | 0.0 |
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 550.0 | 0.0 | 0.0 | 6.0 | 556.0 | 556.0 | 0.0 | 128.0 | 0.0 |
@@ -2242,8 +2242,8 @@ Feature: LoanChargeback
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
| 2 | 15 | 16 January 2024 | 31 January 2024 | 250.0 | 125.0 | 0.0 | 4.0 | 3.0 | 132.0 | 132.0 | 0.0 | 7.0 | 0.0 |
| 3 | 15 | 31 January 2024 | 15 February 2024 | 132.0 | 168.0 | 0.0 | 4.0 | 3.0 | 175.0 | 175.0 | 0.0 | 57.0 | 0.0 |
| 4 | 15 | 15 February 2024 | 15 February 2024 | 7.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
| 3 | 15 | 31 January 2024 | 15 February 2024 | 125.0 | 168.0 | 0.0 | 4.0 | 3.0 | 175.0 | 175.0 | 0.0 | 57.0 | 0.0 |
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 543.0 | 0.0 | 8.0 | 6.0 | 557.0 | 557.0 | 0.0 | 189.0 | 0.0 |
@@ -2844,3 +2844,131 @@ Feature: LoanChargeback
| LIABILITY | 145023 | Suspense/Clearing account | | 280.0 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | 250.0 | |
| INCOME | 404008 | Fee Charge Off | 30.0 | |
@TestRailId:C3111 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC10: chargeback on overpaid loan
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| PIN4_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin adds "LOAN_NSF_FEE" due date charge with "05 January 2024" due date and 5 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 |
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 105 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 |
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 |
Then Loan has 0 outstanding amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
When Admin sets the business date to "01 March 2024"
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "19 January 2024" with 10 EUR transaction amount
Then Loan Repayment schedule has 4 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
Then Loan has 0 outstanding amount
Then Loan has 10 overpaid amount
Then Loan status will be "OVERPAID"
When Admin sets the business date to "15 April 2024"
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 7 EUR transaction amount for Payment nr. 1
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | 100.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
Then Loan Transactions tab has a "MERCHANT_ISSUED_REFUND" transaction with date "19 January 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 10.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 90.0 |
| ASSET | 112603 | Interest/Fee Receivable | | 5.0 |
| LIABILITY | l1 | Overpayment account | | 10.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 105.0 | |
Then Loan Repayment schedule has 5 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
| 5 | 14 | 15 April 2024 | 15 April 2024 | 0.0 | 2.0 | 0.0 | 0.0 | 5.0 | 7.0 | 7.0 | 0.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
| 15 April 2024 | Chargeback | 7.0 | 2.0 | 0.0 | 0.0 | 5.0 | 0.0 | 7.0 |
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "15 April 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | l1 | Overpayment account | 7.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 7.0 |
Then Loan has 0 outstanding amount
Then Loan has 3 overpaid amount
Then Loan status will be "OVERPAID"
When Admin sets the business date to "16 April 2024"
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 7 EUR transaction amount for Payment nr. 1
Then Loan Repayment schedule has 5 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
| 5 | 15 | 16 April 2024 | | 0.0 | 9.0 | 0.0 | 0.0 | 5.0 | 14.0 | 10.0 | 0.0 | 0.0 | 4.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
| 15 April 2024 | Chargeback | 7.0 | 2.0 | 0.0 | 0.0 | 5.0 | 0.0 | 7.0 |
| 16 April 2024 | Chargeback | 7.0 | 7.0 | 0.0 | 0.0 | 0.0 | 4.0 | 3.0 |
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "16 April 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| LIABILITY | l1 | Overpayment account | 3.0 | |
| ASSET | 112601 | Loans Receivable | 4.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 7.0 |
Then Loan has 4 outstanding amount
Then Loan status will be "ACTIVE"