PortalReply Word + shared inbox
Paste into CFPB Company Portal under Day-15 heat. Easy to ship thin or late answers when the file is incomplete.
Manual paste
No refuse gate
Cite optional
PortalReply / Company Portal pack · SettleUp suite module
SettleUp+PORTAL
Company Portal packs that refuse when the file cannot support the story.
Ingest complaint + account file, then a Day-15 clock, a cite-to-file draft, and hard REFUSE if facts are missing. HITL before a human pastes Submit into the Company Portal. Not a complaints CMS.
The thing you paste is the refused-or-cleared pack, cites attached. We do not write the portal. If the refuse must live inside the complaint system, stay on that system. This is PortalReply Firm, not SettleUp Firm. Human pastes Submit.
We lock the pack. We do not control the sentence they type after. No portal write-back. If they need the portal to reject a changed line, that is their complaint system. This is PortalReply Firm, not SettleUp Firm.
Aisle handoff: SettleUp Pilot stays $499/mo. This ask is PortalReply Firm, not SettleUp Firm.
Module framing. Day-15 clock · hard REFUSE · human pastes Submit in the Company Portal · not legal advice · no portal API write-back · not Civica/Tratta replacement · cite-to-file refuse pack, not CMS. PortalReply Firm is not SettleUp Firm.
Interactive sample · synthetic · DP-02 breakable
Complaint → clock → draft or REFUSE
Breakable path: tap Missing facts → REFUSE. Gaps list loudly, copy locks, HITL blocks. Soft conversion = resilience under stress. Happy path stays clean.
Synthetic CFPB complaint
DEMO · SYNTHETIC
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Thin account file
DEMO · ACCOUNT
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Day-15 clock
15d 00h
Received: synthetic Sep 1 · Due: Sep 16 (illustrative)
File artifacts
- Complaint PDF (synthetic)
- Account timeline CSV
- Prior validation notice
- Payment ledger excerpt
DP-01 · Compare (honest)
Alongside, not instead of, complaint platforms
PortalReply = cite-to-file refuse pack. Not a Civica/Tratta/CMS replacement.
Full complaint platforms
Strong when you buy the whole case tool. Heavy for ARM shops that only need a portal response pack beside SettleUp.
Tickets / CMS
Workflow depth
Overkill for pack-only
Cite-to-file refuse pack
Narrow agentic draft + hard REFUSE if facts missing + HITL. Human still Submits in the portal. Human still pastes Submit. Not a complaints CMS.
Cite-to-file
Hard REFUSE
HITL owns Submit
What we refuse to claim: No “CFPB-approved.” No API write-back. No autonomous Submit. Resilience demo = tap Missing facts → REFUSE and watch copy lock.
Head-to-head
Compare / Why us
Spotlight us. Honest weaknesses. No mud. Soft ROI labeled. Distinct from Snakes.
vs Word + shared inbox
They paste under Day-15 heat. We cite-to-file and refuse when the file cannot support the story. Choose Word when volume is tiny and discipline sticks. Choose us when thin files still ship.
vs Civica / portal CMS
They win end-to-end complaint cases. We win the portal response pack beside that stack. Human still Submits. We are not a CMS replacement.
vs counsel hours
Keep counsel for judgment. We shrink thin drafts: refuse, then escalate the hard packs. Soft labor math only.
vs generic LLM
Chat drafts forever. We lock copy on missing facts. Complaint PDFs in consumer AI are not an HITL exam trail.
Why us: Day-15 clock · hard REFUSE · HITL · PortalReply Firm $1,299 named · suite path to SettleUp Pilot · soft ROI labeled · not legal advice · never CFPB-approved.
Honest weakness: PortalReply Firm stays mailto. Pilot $499 is the aisle handoff only. Never fake portal API Submit.
DP-04 · Snakes
Copycats & pushback
Bureau answers look easy until Day 15. Buy the gate, not the skin.
What they whisper
We need a full CMS; you will auto-Submit; mailto seats are vapor; Word is enough; PortalReply Firm vs SettleUp Firm confuses the sticker.
Truth
Cite-to-file refuse pack; CMS stays CMS; human Submits; copy locks on REFUSE; close on PortalReply Firm $1,299 mailto (not SettleUp Firm). Pilot $499 is the aisle handoff. Soft ROI labeled.
Shipped
Day-15 clock · hard REFUSE · HITL · Compare vs Word/Civica.
Looks copyable
Ask ChatGPT to answer this CFPB complaint; shared inbox template and Day-15 reminder; generic case ticket with an AI comment.
Where plastic breaks
Hallucinated balances/dates/ownership with no file cite; no hard refuse when the file cannot support the story; no export pack for HITL paste; consumer complaint PDFs into consumer AI; no handoff into SettleUp dispute gate.
Why us
Refuse-on-missing-facts plus HITL pack; avoided fire-drills; one vendor story into Pilot.
Kill line: If it cannot hard-refuse when the file cannot support the story, it is a fancy Word macro.
One ask · PortalReply Firm
PortalReply Firm · $1,299/mo
PortalReply Firm
$1,299 / mo
Named PortalReply Firm. Not SettleUp Firm. Mailto only. Sibling Stripe HOLD. Human pastes Submit.
The thing you paste is the refused-or-cleared pack, cites attached. We do not write the portal. If the refuse must live inside the complaint system, stay on that system. This is PortalReply Firm, not SettleUp Firm. Human pastes Submit.
We lock the pack. We do not control the sentence they type after. No portal write-back. If they need the portal to reject a changed line, that is their complaint system. This is PortalReply Firm, not SettleUp Firm.
Ops seat
$999 / mo
Smaller option for higher complaint volume. Not the hero. Mailto. Sibling Stripe HOLD.
Portal Risk Audit
$2,500 one-time
Portal Risk Audit is a different engagement. It is not Letter Risk Audit.
Labeled assumption, not a guarantee. A labor sketch of about 8 complaints a month, 1.9 hours each, at $75 an hour is about $1,140 of desk time. That is not a return versus PortalReply Firm at $1,299/mo. No multiplier. Not a promise.
Non-goals
- Not a full complaints CMS / ticket system
- Not CFPB API write-back
- Not legal advice or “CFPB-approved” claims
- Not LotBeacon / Marketplace / LLC theater
Not legal advice. Educational demo with synthetic artifacts only. Human pastes Submit in the Company Portal.