Joined Accounts

Overview

Joined Accounts are one of three ways ACE manages relationships between interconnected debt records. Each method serves a distinct purpose and impacts account behavior differently.

ACE supports the following relationship types:

Account Bundles: Multiple debts belonging to the same individual. Bundling uses preconfigured automated logic to merge demographic data and propagate contact information across bundled accounts. Payments are spread across bundled accounts based on configuration.
Responsible Parties: A group of different consumers who share liability for a single debt. Payments applied to one responsible party account reduce the balance on all accounts.
Joined Accounts: Related accounts with shared contact information or a defined relationship, without synchronizing payments, balances, or workflows.

Joined Accounts provide visibility and context only. They do not change how accounts are worked or paid.

Key Characteristics of Joined Accounts

Accounts can be joined to one or multiple other accounts.
Joined relationships are bidirectional (each account sees the other as joined).
Joined Accounts do not share payments or workflows.
Joined relationships persist even if the matching demographic data is later removed.
Notes can be added to Joined Accounts and are visible on all related joined records.

Permissions for Joined Accounts

Joined Accounts are controlled by a dedicated role:

Permission Role: Manage – Joined Accounts

Permissions included in the role:

ACCOUNT_JOINED_VIEW
ACCOUNT_JOINED_NEW
ACCOUNT_JOINED_DELETE
ACCOUNT_JOINED_SAVE

Users must have ACCOUNT_JOINED_VIEW to see the Joined Accounts section on the account page.

Joined Accounts Section

The Joined Accounts section is available on the Account page for users with the Manage – Joined Accounts permission role.

From this section, users can:

View joined accounts
Manually add joined accounts
Remove joined accounts
Add and edit notes for each joined relationship
Single joined accounts can be removed using the X icon on the row.

Adding Joined Accounts

Accounts can be joined manually from the account page or using the flow action: JoinAccounts

Manual Join

Users can manually add joined accounts using the New option in the Joined Accounts section. Multiple accounts can be added using a comma delimiter.
Users can also select “Find and Join Accounts” from the Apply Action dropdown menu which will find any accounts that have the same phone/email/address which are not already part of the bundle and add them as joined accounts.