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feat: Add collections-service microservice for delinquent account management - #6

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Summary

Adds a new collections-service Spring Boot module to the banking platform for managing delinquent accounts and debt collection workflows. The service follows existing architectural patterns from customer-service and account-service.

Key capabilities:

  • REST API for querying delinquent accounts with multi-filter support (delinquency bucket 30/60/90/90+ days, product type, region, collection status)
  • Paginated results sorted by outstanding balance
  • Collection action tracking (phone calls, emails, letters) linked to delinquent accounts
  • Agent assignment with automatic status transition to IN_PROGRESS
  • Delinquency summary aggregation endpoint (count + total balance per bucket)
  • Event-driven notifications via Spring Application Events → OpenFeign to notification-service

New files: 41 files across entities, DTOs, repositories, service layer, REST controller, security config, event system, Dockerfile, and tests.

Existing file changes: pom.xml (added module), docker-compose.yml (added service entry).

Review & Testing Checklist for Human

  • H2 DDL ordering issue in tests: Build logs show Table "COLLECTION_ACTIONS" not found during context load test schema creation. Tests pass, but verify the @OneToMany/@ManyToOne relationship between DelinquentAccountCollectionAction works correctly against a real MySQL instance.
  • docker-compose env var inconsistency: Collections-service uses ${MYSQL_PWD} and ${JWT_SECRET} (requiring env vars to be set), while all other services hardcode these values. This means docker-compose up will fail for collections-service unless a .env file is provided. Decide whether to align with existing pattern or update all services.
  • @Temporal on LocalDate fields: DelinquentAccount uses @Temporal(TemporalType.DATE) on LocalDate fields — this annotation is intended for java.util.Date and is unnecessary for Java 8+ time types. Verify Hibernate handles this gracefully with MySQL.
  • JPQL summary query uses string literals: getDelinquencySummary() compares d.collectionStatus <> 'RESOLVED' using raw strings instead of enum parameters. Works because the enum is stored as EnumType.STRING, but fragile if storage strategy changes.
  • No role-based authorization on write endpoints: Any authenticated user can update collection status, assign agents, and record actions. Verify this is acceptable or if role checks (e.g., COLLECTIONS_AGENT) are needed.

Suggested test plan: Deploy the full docker-compose stack with a MySQL instance, create sample delinquent account data, and exercise the filter/search/status-update/agent-assign endpoints via curl or Postman to verify end-to-end behavior.

Notes

  • AccountRestClient (Feign client for account-service) is defined but currently unused — it's scaffolded for future cross-service lookups.
  • 13 unit tests pass using Mockito; no integration tests against a real database.
  • The event system uses Spring ApplicationEvent (in-process) rather than Axon or Kafka — suitable for the current scope but would need to be swapped for distributed eventing in production.

Link to Devin session: https://app.devin.ai/sessions/18a8a75785254c3484353509a681a783
Requested by: @achalc


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…agement

Implements a new collections-service module for managing delinquent accounts
and debt collection workflows. This service follows existing patterns from
customer-service and account-service.

Features:
- REST API for querying delinquent accounts with filtering by delinquency
  bucket (30/60/90/90+ days), product type, region, and collection status
- Paginated responses sorted by outstanding balance
- Collection action tracking (phone calls, emails, letters, etc.)
- Agent assignment workflow with automatic status transitions
- Delinquency summary endpoint with aggregated statistics
- Event-driven notifications via Spring Application Events
- OpenFeign integration with notification-service and account-service
- JWT-based security matching existing service patterns
- Full unit test coverage (13 tests)

Technical stack:
- Java 21, Spring Boot 3.3.4, Spring Cloud 2023.0.3
- Spring Data JPA with custom @query methods
- Spring Security with JWT authorization filter
- Eureka service discovery registration
- H2 in-memory database for testing
- Lombok for boilerplate reduction
- Docker containerization with docker-compose integration

Co-Authored-By: Achal Channarasappa <achal.channarasappa@cognition.ai>
@devin-ai-integration

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Devin Review found 3 potential issues.

View 6 additional findings in Devin Review.

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Comment on lines +7 to +11
@Configuration
@EnableJpaAuditing
@EnableAsync
public class BeanConfiguration {
}

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🔴 Missing AuditorAware bean causes @CreatedBy/@LastModifiedBy to never be populated

The collections-service enables JPA auditing via @EnableJpaAuditing in BeanConfiguration.java:8 and uses @CreatedBy/@LastModifiedBy annotations on DelinquentAccount (lines 91-99) and CollectionAction (lines 50-51), but no AuditorAware<String> bean is defined anywhere in the service. In contrast, the customer-service properly defines an AuditorAwareImpl class and registers it as a bean in customer-service/.../BeanConfiguration.java:11-14 with @EnableJpaAuditing(auditorAwareRef = "auditorAware"). Without this bean, the createdBy and lastModifiedBy fields will silently remain null on all entities, meaning the audit trail for who created or modified delinquent account records is completely lost.

Prompt for agents
The collections-service has @EnableJpaAuditing but is missing the AuditorAware bean that the customer-service provides. Two things need to happen:

1. Create an AuditorAwareImpl class (similar to customer-service/src/main/java/org/mounanga/customerservice/security/AuditorAwareImpl.java) in the collections-service security package. This class implements AuditorAware<String> and retrieves the current username from the SecurityContextHolder.

2. In BeanConfiguration.java, add an @Bean method that returns AuditorAware<String> by instantiating the new AuditorAwareImpl. Also update the @EnableJpaAuditing annotation to reference this bean: @EnableJpaAuditing(auditorAwareRef = "auditorAware").

Without these changes, @CreatedBy and @LastModifiedBy on DelinquentAccount and CollectionAction entities will always be null.
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Good catch — the AuditorAwareImpl bean is needed for @CreatedBy/@LastModifiedBy to populate. Will address in the next iteration.

Comment thread docker-compose.yml
Comment on lines +131 to +136
- MYSQL_PWD=${MYSQL_PWD}
- MYSQL_HOST=${MYSQL_HOST:-172.18.0.2}
- MYSQL_PORT=${MYSQL_PORT:-3306}
- MYSQL_DATABASE=${MYSQL_DATABASE:-collections_db}
- JWT_SECRET=${JWT_SECRET}
- JWT_EXPIRATION=${JWT_EXPIRATION:-604800000}

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🔴 Docker-compose collections-service missing defaults for MYSQL_PWD and JWT_SECRET will fail without host env vars

The collections-service in docker-compose uses ${MYSQL_PWD} and ${JWT_SECRET} without default values, while all other services in the same file hardcode these (e.g., MYSQL_PWD=root, JWT_SECRET=AaZzBbCcYyDdXxEeWwFf). When running docker-compose up without those host environment variables set, MYSQL_PWD resolves to an empty string and JWT_SECRET resolves to an empty string, causing database authentication failure and JWT verification failure. The application.properties at collections-service/src/main/resources/application.properties:1 also uses ${JWT_SECRET} without a fallback default (unlike account-service which uses ${JWT_SECRET:AaZzBbCcYyDdXxEeWwFf}), compounding the issue.

Suggested change
- MYSQL_PWD=${MYSQL_PWD}
- MYSQL_HOST=${MYSQL_HOST:-172.18.0.2}
- MYSQL_PORT=${MYSQL_PORT:-3306}
- MYSQL_DATABASE=${MYSQL_DATABASE:-collections_db}
- JWT_SECRET=${JWT_SECRET}
- JWT_EXPIRATION=${JWT_EXPIRATION:-604800000}
- MYSQL_PWD=${MYSQL_PWD:-root}
- MYSQL_HOST=${MYSQL_HOST:-172.18.0.2}
- MYSQL_PORT=${MYSQL_PORT:-3306}
- MYSQL_DATABASE=${MYSQL_DATABASE:-collections_db}
- JWT_SECRET=${JWT_SECRET:-AaZzBbCcYyDdXxEeWwFf}
- JWT_EXPIRATION=${JWT_EXPIRATION:-604800000}
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Correct — MYSQL_PWD and JWT_SECRET should have defaults matching the other services to avoid silent failures on docker-compose up.

Comment on lines +79 to +82
private boolean isTokenExpired(@NotNull DecodedJWT jwt) {
Date expiration = jwt.getExpiresAt();
return expiration.before(new Date());
}

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🟡 NullPointerException in isTokenExpired when JWT has no expiration claim

In JWTAuthorizationFilter.java:80-81, jwt.getExpiresAt() returns null if the JWT does not contain an exp claim. The subsequent call expiration.before(new Date()) then throws a NullPointerException. The auth0 java-jwt verify() method does not require the exp claim by default — it only checks expiration if the claim is present. A validly-signed JWT without an exp claim would pass validateToken() but crash here with an unhandled NPE, resulting in a 500 error instead of a proper 401 response.

Suggested change
private boolean isTokenExpired(@NotNull DecodedJWT jwt) {
Date expiration = jwt.getExpiresAt();
return expiration.before(new Date());
}
private boolean isTokenExpired(@NotNull DecodedJWT jwt) {
Date expiration = jwt.getExpiresAt();
return expiration == null || expiration.before(new Date());
}
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Valid — getExpiresAt() can return null for JWTs without an exp claim. The null check suggestion is correct.

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