Active Finance America, LLC v. Korbiann Lee

IN THE DISTRICT COURT FOR OKLAHOMA COUNTY STATE OF OKLAHOMA ACTIVE FINANCE AMERICA, LLC, an Oklahoma Limited Liability Company, Plaintiff, -vs- KORBIANN LEE, and J.P. MOGAN CHASE BANK, N.A., Defendants. Case No. CJ-2026-C-2026 - 2498 PETITION COMES NOW the Plaintiff, Active Finance America and for its causes of action against the Defendants, Korbiann Lee and J.P. Morgan Chase Bank, N.A., alleges and states as follows: JURISDICTION AND VENUE 1. Plaintiff, Active Finance America, is an Oklahoma Limited Liability Company organized and existing under the laws of the State of Oklahoma, with its principal place of business located at 14205 N. Broadway Extension, Edmond, Oklahoma 73013. 2. Defendant, Korbiann Lee, is an individual residing at 15617 Big Cypress Dr., Edmond, Oklahoma 73013, and is subject to the jurisdiction of this Court. 3. Defendant, J.P. Morgan Chase Bank, N.A. ("Chase"), is a national banking association authorized to do business in the State of Oklahoma and may be served with process at its registered agent or principal place of business. 4. This Court has jurisdiction over this matter pursuant to 12 O.S. § 2004(F). 5. Venue is proper in Oklahoma County pursuant to 12 O.S. § 139. FACTUAL ALLEGATIONS 6. On or about February 28th, 2025, Plaintiff and Defendant Lee entered into a financing agreement ("Agreement") whereby Plaintiff provided financing to Defendant Lee for the purchase of a 2025 Kia K4 motor vehicle bearing Vehicle Identification Number 3KPFW4DEXSE075885 (the "Vehicle"). (See attached "Exhibit 'A'") 7. Pursuant to the Agreement, Plaintiff retained a security interest in the Vehicle, which was properly perfected by notation on the Vehicle’s certificate of title. 8. The Agreement required Defendant Lee to maintain insurance on the Vehicle and to list Plaintiff as a loss payee on any insurance policy covering the Vehicle. 9. On or about April 7th, 2025, the Vehicle was involved in a collision, resulting in substantial damage. 10. Following the collision, Defendant Lee’s insurance company issued a check in the amount of $7,586.36 made payable to both Defendant Lee and Plaintiff as co-payees. (See attached Exhibit "B") 11. Defendant Lee signed the insurance check, and J.P. Morgan Chase Bank cashed the check without obtaining Plaintiff’s endorsement or authorization. 12. Plaintiff did not authorize or endorse the check, nor did Plaintiff receive the insurance proceeds. 13. After the check was cashed, Defendant Lee abandoned the damaged Vehicle at a repair shop, which resulted in Plaintiff incurring storage and repair fees in the amount of $8,086.36 to recover possession of its collateral. 14. Plaintiff has subsequently repossessed the Vehicle. 15. Despite demands, neither Defendant Lee nor J.P. Morgan Chase Bank has remitted the insurance proceeds to Plaintiff or compensated Plaintiff for the additional costs incurred to recover the Vehicle. COUNT ONE: CONVERSION (Against Both Defendants) 16. Plaintiff incorporates by reference the allegations contained in paragraphs 1 through 15 above as if fully set forth herein. 17. Plaintiff had a legal right to possession of the insurance check as a named payee. 18. Defendants wrongfully exercised control over the insurance check and proceeds by negotiating and cashing the check without Plaintiff's endorsement or authorization. 19. Defendants' actions constituted an unauthorized exercise of dominion and control over property belonging to Plaintiff, to the exclusion of Plaintiff's rights. 20. As a direct and proximate result of Defendants’ wrongful conversion, Plaintiff has suffered damages in an amount in excess of $10,000.00. COUNT TWO: BREACH OF CONTRACT (Against Defendant Lee) 21. Plaintiff incorporates by reference the allegations contained in paragraphs 1 through 20 above as if fully set forth herein. 22. The Agreement between Plaintiff and Defendant Lee constituted a valid and enforceable contract. 23. Pursuant to the Agreement, Defendant Lee was obligated to maintain insurance on the Vehicle, to list Plaintiff as a loss payee, and to ensure that insurance proceeds were properly applied to repair the Vehicle or to satisfy the debt owed to Plaintiff. 24. Defendant Lee breached the Agreement by: a. Failing to ensure Plaintiff's endorsement was obtained on the insurance check; b. Permitting the insurance proceeds to be negotiated without Plaintiff’s authorization; c. Abandoning the damaged Vehicle; and d. Failing to satisfy obligations under the Agreement. 25. As a direct and proximate result of Defendant Lee’s breach, Plaintiff has suffered damages in an amount in excess of $10,000.00. COUNT THREE: NEGLIGENCE (Against J.P. Morgan Chase Bank) 26. Plaintiff incorporates by reference the allegations contained in paragraphs 1 through 25 above as if fully set forth herein. 27. J.P. Morgan Chase Bank owed a duty of care to Plaintiff, as a named co-payee on the insurance check, to ensure that the check was not negotiated or cashed without Plaintiff’s endorsement or authorization. 28. J.P. Morgan Chase Bank breached this duty by cashing the check without Plaintiff’s endorsement or authorization. 29. As a direct and proximate result of J.P. Morgan Chase Bank’s negligence, Plaintiff has suffered damages in an amount in excess of $10,000.00. COUNT FOUR: VIOLATION OF THE UNIFORM COMMERCIAL CODE – WRONGFUL PAYMENT OF NEGOTIABLE INSTRUMENT (Against J.P. Morgan Chase Bank) 30. Plaintiff incorporates by reference the allegations contained in paragraphs 1 through 29 above as if fully set forth herein. 31. The insurance check at issue was a negotiable instrument under the Uniform Commercial Code, made payable jointly to Plaintiff and Defendant Lee. 32. Under the UCC, a bank is not authorized to pay a check made payable to multiple payees unless it is properly endorsed by all payees. 33. J.P. Morgan Chase Bank paid the check without obtaining Plaintiff's endorsement, in violation of its obligations under the UCC. 34. As a direct and proximate result of this wrongful payment, Plaintiff has suffered damages in an amount in excess of $10,000.00. COUNT FIVE: UNJUST ENRICHMENT (Against Both Defendants, in the Alternative) 35. Plaintiff incorporates by reference the allegations contained in paragraphs 1 through 34 above as if fully set forth herein. 36. Plaintiff pleads this count in the alternative to its breach of contract claim. 37. Defendants received the benefit of the insurance proceeds that were rightfully due to Plaintiff. 38. Defendants have been unjustly enriched by receiving and retaining these benefits at Plaintiff`s expense. 39. It would be inequitable and unjust for Defendants to retain these benefits without paying Plaintiff the value thereof. 40. As a result of Defendants’ unjust enrichment, Plaintiff has suffered damages in an amount in excess of $10,000.00. PRAYER FOR RELIEF WHEREFORE, Plaintiff prays for judgment against Defendants as follows: 1. For compensatory damages in an amount to be determined at trial, but in excess of $10,000.00; 2. For pre-judgment and post-judgment interest as permitted by law; 3. For costs of this action, including reasonable attorney's fees as permitted by law; and 4. For such other and further relief as the Court deems just and proper. Respectfully submitted, Lyna L. Mitchell, OBA #30177 P.O. Box 226 Edmond, OK 73083 Telephone: (405) 849-5913 Email: [email protected] Attorney for Plaintiff VERIFICATION STATE OF OKLAHOMA ) ss. ) COUNTY OF OKLAHOMA ) I, Johnny Godinez, being first duly sworn upon oath, state that I am the Operations Director of Plaintiff, Active Finance America, that I have read the above and foregoing Petition, and that the statements contained therein are true and correct to the best of my knowledge, information, and belief. Johnny Godinez Operations Director Subscribed and sworn to before me this 24th day of March, 2026. My Commission Expires: 08/03/24 Commission No.: 08/03/26 Notary Public LAW 553-OK-ARB-eps 8/24 RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (Including County and Zip Code) KORBIAN LEE 201 W MITCHELL DR KINGFISHER, OK 73750 KINGFISHER Cell: [redacted] Email: N/A Co-Buyer Name and Address (Including County and Zip Code) N/A Cell: N/A Email: N/A Seller-Creditor (Name and Address) KALIDY KIA 14205 Broadway Ext Edmond, OK 73013 You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes “we” or “us” in this contract) the Amount Financed and Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily basis. The Truth-In-Lending Disclosures below are part of this contract. <table> <tr> <th>New/Used</th> <th>Year</th> <th>Make and Model</th> <th>Odometer</th> <th>Vehicle Identification Number</th> <th>Primary Use For Which Purchased</th> </tr> <tr> <td>NEW</td> <td>2025</td> <td>KIA K4 (2.0L)</td> <td>37</td> <td>3KPFW4DEXSE075885</td> <td>Personal, family, or household unless otherwise indicated below</td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE<br>The cost of your credit as a yearly rate.</th> <th>FINANCE CHARGE<br>The dollar amount the credit will cost you.</th> <th>Amount Financed<br>The amount of credit provided to you or on your behalf.</th> <th>Total of Payments<br>The amount you will have paid after you have made all payments as scheduled.</th> <th>Total Sale Price<br>The total cost of your purchase on credit, including your down payment of $5,000.00 is $52,491.20.</th> </tr> <tr> <td>21.00%</td> <td>$20,608.20</td> <td>$26,883.00</td> <td>$47,491.20</td> <td>$52,491.20</td> </tr> </table> Your Payment Schedule Will Be: <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td>72</td> <td>$659.60</td> <td>MONTHLY beginning 03/28/2025</td> </tr> <tr> <td>N/A</td> <td>N/A</td> <td>N/A</td> </tr> </table> Late Charge. If payment is not received in full within 10 days after it is due you will pay a late charge of $32.00 or 5% of the part of the payment that is late, whichever is greater. Prepayment. If you pay early, you will not have to pay a penalty. Security Interest. You are giving a security interest in the vehicle being purchased. Additional Information: See this contract for more information including information about nonpayment; default; any required repayment; in full before the scheduled date and security interest. Used Car Buyers Guide. The information you see on the window form for this vehicle is part of this contract. Information on the window form overrides any contrary provisions in the contract of sale. Spanish Translation: Guía para compradores de vehículos usados. La información que ve en el formulario de la ventana para este vehículo forma parte del presente contrato. La información del formulario de la ventana deja sin efecto toda disposición en contrario contenida en el contrato de venta. WARRANTIES SELLER DISCLAIMS Unless the Seller makes a written warranty, or enters into a service contract within 90 days from the date of this contract, the Seller makes no warranties, express or implied, on the vehicle, and there will be no implied warranties of merchantability or of fitness for a particular purpose. This provision does not affect any warranties covering the vehicle that the vehicle manufacturer may provide. X VENDOR’S SINGLE INTEREST INSURANCE (VSI insurance): If the preceding box is checked, the Creditor requires VSI insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft, concealment, skip). VSI insurance is for the Creditor’s sole protection. This insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI insurance is obtained. If you elect to purchase VSI insurance through the Creditor, the cost of this insurance is $395.00 and is also shown in Item 4B of the Itemization of Amount Financed. The coverage is for the initial term of the contract. Agreement to Arbitrate: By signing below, you agree that pursuant to the Arbitration Provision on page 5 of this contract, you or we may elect to resolve any dispute by neutral binding arbitration and not by a court action. See the Arbitration Provision for additional information concerning the agreement to arbitrate. Buyer Sgn: X ___________________________ Co-Buyer Sgn: X ___________________________ N/A EXHIBIT ITEMIZATION OF AMOUNT FINANCED 1 Cash Price (including $ N/A sales/excise tax) $ 28,740.00 (1) 2 Total Downpayment = N/A Trade-in (Year) (Make) (Model) Gross Trade-In Allowance $ N/A Less Pay Off Made By Seller to N/A $ N/A Equals Net Trade In $ N/A + Cash $ 5,000.00 + Other N/A $ N/A + Other N/A $ N/A + Other N/A $ N/A (If total downpayment is negative, enter "0" and see 4I below) S 5,000.00 (2) S 23,740.00 (3) 3 Unpaid Balance of Cash Price (1 minus 2) $ 23,740.00 (3) 4 Other Charges Including Amounts Paid to Others on Your Behalf (Seller may keep part of these amounts): A Cost of Optional Credit Insurance Paid to Insurance Company or Companies. Life S N/A Disability S N/A S N/A B Vendor's Single Interest Insurance Paid to Insurance Company S 395.00 C Other Optional Insurance Paid to Insurance Company or Companies S N/A D Optional Gap Contract S 714.00 E Official Fees Paid to Government Agencies to N/A for N/A S N/A to N/A for N/A S N/A to N/A for N/A S N/A F Government Taxes Not Included in Cash Price S N/A G Government License and/or Registration Fees N/A S N/A H Government Certificate of Title Fees S 10.00 I Other Charges (Seller must identify who is paid and describe purpose.) to N/A for Prior Credit or Lease Balance S N/A to KALIDY KIA for DOCUMENT FEE S 699.00 to N/A for N/A S N/A to N/A for N/A S N/A to N/A for N/A S N/A to N/A for NAC Paint & Fabric S 1,325.00 to N/A for N/A S N/A to N/A for N/A S N/A to N/A for N/A S N/A to N/A for N/A S N/A to N/A for N/A S N/A to N/A for N/A S N/A Total Other Charges and Amounts Paid to Others on Your Behalf S 3,143.00 (4) 5 Amount Financed (3 + 4) S 26,883.00 (5) OPTION: ☐ You pay no finance charge if the Amount Financed, Item 5, is paid in full on or before ___N/A___, Year ___N/A___. SELLER'S INITIALS ___N/A___ OPTIONAL GAP CONTRACT. A gap contract (debt cancellation contract) is not required to obtain credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose to buy a gap contract, the charge is shown in Item 4D of the itemization of Amount Financed. See your gap contract for details on the terms and conditions it provides. It is a part of this contract. Term 72 Mos. NAC GAP I want to buy a gap contract. Buyer Signs Marianfee Returned Check Charge: You agree to pay a charge of $ 25.00 if any check you give us is dishonored. Insurance. You may buy the physical damage insurance this contract requires from anyone you choose who is acceptable to us. You may also provide the physical damage insurance through an existing policy owned or controlled by you that is acceptable to us. You are not required to buy any other insurance to obtain credit unless the box indicating Vendor's Single Interest Insurance is required is checked on page 1 of this contract. If any insurance is checked below policies or certificates from the named insurance companies will describe the terms and conditions. Check the insurance you want and sign below: Optional Credit Insurance ☐ Credit Life: ☐ Buyer ☐ Co-Buyer ☐ Both ☐ Credit Disability: ☐ Buyer ☐ Co-Buyer ☐ Both Premium: Credit Life $ N/A Credit Disability $ N/A Insurance Company Name N/A Home Office Address N/A Credit life insurance and credit disability insurance are not required to obtain credit. Your decision to buy or not buy credit life insurance and credit disability insurance will not be a factor in the credit approval process. They will not be provided unless you sign and agree to pay the extra cost. If you choose this insurance, the cost is shown in Item 4A of the itemization of Amount Financed. Credit life insurance is based on your original payment schedule. This insurance may not pay all you owe on this contract if you make late payments. Credit disability insurance does not cover any increase in your payment or in the number of payments. Coverage for credit life insurance and credit disability insurance ends on the original due date for the last payment unless a different term for the insurance is shown below. Other Optional Insurance ☐ N/A Type of Insurance Term Premium $ N/A Insurance Company Name N/A Home Office Address N/A Other optional insurance is not required to obtain credit. Your decision to buy or not buy optional insurance will not be a factor in the credit approval process. It will not be provided unless you sign and agree to pay the extra cost. I want the insurance checked above. X N/A Buyer Signature Date X N/A Co-Buyer Signature Date THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. OTHER IMPORTANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS a. How we will figure Finance Charge. We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed. b. How we will apply payments. We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose as the law allows. c. How late payments or early payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sale Price shown on page 1 of this contract on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. d. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment. e. Your right to refinance a balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or household use, you have the right to refinance the balloon payment when due without penalty. The terms of the refinancing will be no less favorable to you than the terms of this contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income. 2. YOUR OTHER PROMISES TO US a. If the vehicle is damaged, destroyed, or missing. You agree to pay us all you owe under this contract even if the vehicle is damaged, destroyed, or missing. b. Using the vehicle. You agree not to remove the vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer any interest in the vehicle or this contract without our written permission. You agree not to expose the vehicle to misuse, seizure, confiscation, or involuntary transfer. If we pay any repair bills, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask for it. c. Security Interest. You give us a security interest in: • The vehicle and all parts or goods put on it; • All money or goods received (proceeds) for the vehicle; • All insurance, maintenance, service, or other contracts we finance for you; and • All proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This secures payment of all you owe on this contract. It also secures your other agreements in this contract. You will make sure the title shows our security interest (lien) in the vehicle. You will not allow any other security interest to be placed on the title without our written permission. d. Insurance you must have on the vehicle. You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. You agree to name us on your insurance policy as loss payee. If you do not have this insurance, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If we buy either type of insurance, we will tell you which type and the charge you must pay. The charge will be the premium for the insurance and a finance charge computed at the Annual Percentage Rate shown on page 1 of this contract. If the vehicle is lost or damaged, you agree that we may use any insurance settlement to reduce what you owe or repair the vehicle. e. What happens to returned insurance, maintenance, service, or other contract charges. If we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you owe. 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES a. You may owe late charges. You will pay a late charge on each late payment as shown on page 1 of this contract. Acceptance of a late payment does not excuse your late payment or mean that you may keep making late payments. If you pay late, we may also take the steps described below. b. You may have to pay all you owe at once. If you break your promises (default), we may demand that you pay all you owe on this contract at once. Default means: • You do not pay any payment on time; • You give false, incomplete, or misleading information during credit application; • You start a proceeding in bankruptcy or one is started against you or your property; or • You break any agreements in this contract. The amount you will owe will be the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any amounts due because you defaulted. c. You may have to pay collection costs. If we hire an attorney who is not our salaried employee to collect what you owe, you will pay the attorney's fee and court costs the law permits. The maximum attorney's fee you will pay will be 15% of the amount you owe, unless a court awards an additional amount. d. We may take the vehicle from you. If you default, we may take (repossession) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device (such as GPS), you agree that we may use the device to find the vehicle. If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items are in the vehicle, we may store them for you. If you do not ask for these items back, we may dispose of them as the law allows. e. How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back (redeem). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. f. We will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. We will apply the money from the sale, less allowed expenses, to the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the vehicle, holding it, preparing it for sale, and selling it. Attorney fees and court costs, if the law permits, are also allowed expenses. If any money is left (surplus), we will pay it to you unless the law requires us to pay it to someone else. If money from the sale is not enough to pay the amount you owe, you must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay. g. What we may do about optional insurance, maintenance, service, or other contracts. This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, you agree that we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe or repair the vehicle. If the vehicle is a total loss because it is confiscated, damaged, or stolen, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. 4. SERVICING AND COLLECTION CONTACTS In consideration of our extension of credit to you, you agree to provide us your contact information for our servicing and collection purposes. You agree that we may use this information to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in these and other ways at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you. You agree to allow our agents and service providers to contact you as agreed above. You agree that you will, within a reasonable time, notify us of any change in your contact information. 5. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to this contract. 6. NEGATIVE CREDIT REPORT NOTICE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract. Claim Number 8845327810000001 Pay To The Order Of Korbiann Lee and Active Finance America Financials Gross Amount $7,586.36 Net Amount $7,586.36 Backup Withholding $0.00 Payment Identification Issued Date 04/08/2025 Mail To Name Korbiann Lee Mail To Address 15817 Big Cypress Dr, Edmond, OK, 73013 Memo Collision Coverage Payment Type System Check Check Number 257585371 Related Documents Document Name Reserve Line Allocation <table> <tr> <th>Exposure</th> <th>Reserve Line</th> <th>Cost Type</th> <th>Amount</th> </tr> <tr> <td>Korbiann Lee - Collision (2025 KIA)</td> <td>Collision</td> <td>Loss</td> <td>$7,586.36</td> </tr> </table>