---
title: "Charge Off Account"
method: POST
path: "/chargeOffAccount"
tags: ["Accounts and Cards"]
---

# Charge Off Account

`POST /chargeOffAccount`

Use the Charge Off Account endpoint to charge off the specified account (sweep funds and set balance to `0.00`) and move the account to `status: R` (charged off).

These are the rules for using the `chargeOffDetails` parameter:
* `chargeOffDetails` accepts a JSON-formatted list with `chargeOffAmount` and `chargeOffReason` as the two keys.
* The only valid values for `chargeOffReason` are the numerals 1-13, as shown in the <a href="ref:post_chargeoffaccount#chargeoffreason" target="_blank">`chargeOffReason`</a> table.
* `chargeOffAmount` is a float that must be greater than `0`. If you pass `0` the request will fail.
* `chargeOffAmount` is required when `chargeOffReason` does not equal `1`.

Example: `[{"chargeOffAmount": 2.6, "chargeOffReason": 5}, {"chargeOffAmount": 4.75, "chargeOffReason": 2}]`

To recover a charged-off account use the <a href="ref:post_recoverchargedoffaccount" target="_blank">Recover Charged-Off Account</a> endpoint.

## Response `default`

- object
  - `status_code` integer, nullable, required — The response status code. May return a string for some statuses.
  - `status` string, nullable, required — The condition of a process or response
  - `processing_time` number, float, nullable, required — The time elapsed in processing the transaction
  - `echo` object, nullable, required — A structure that contains transaction ID information
    - `transaction_id` string, nullable, required — An ID that represents an API transaction
    - `provider_timestamp` string, date-time, nullable, required — Store a related timestamp for reporting and troubleshooting purposes
    - `provider_transaction_id` string, nullable, required — Secondary transaction identifier (generated by a provider)
  - `system_timestamp` string, date-time, nullable, required — A system generated timestamp
  - `rtoken` string, nullable, required — A system-generated ID used for tracking
  - `errors` string[] — A list of errors generated while the request was processed
  - `response_data` object, required — A structure for the response data. This endpoint does not return response data, so it will always be empty.

---

[API](https://skmtc.net/galileo-ft/apis/program-api.md) · [All operations](https://skmtc.net/galileo-ft/apis/program-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/galileo-ft/program-api/versions/bcd728f97a18/schema)