CS-2025-25 - LVNV Funding LLC v. ELIZABETH CAUSEE

What's This Case About?

Let’s be real: Elizabeth Causee didn’t think she’d wake up one day to find herself in court—not for murder, not for fraud, not even for parking tickets—but because a company called LVNV Funding LLC wants her to pay $1,475.81 for a credit card she stopped using over two years ago. And here’s the twist: LVNV Funding LLC isn’t the bank that gave her the card. They weren’t even involved when she swiped it for the last time. They just… bought the debt. Like it was a slightly used toaster at a garage sale. Only this toaster comes with lawyers, court filings, and a paper trail longer than a CVS receipt.

So who are these people? On one side, we’ve got Elizabeth Causee—apparently a resident of Broken Arrow, Oklahoma, living quietly in apartment 210 at 109 S 9th Street. She opened a Credit One Bank credit card on August 25, 2021, which sounds about right for the kind of credit card you get when you’re trying to build or rebuild your credit. The limit? A modest $1,000. The APR? A soul-crushing 28.24%, variable, because apparently the bank wanted to make sure she felt the pain of inflation too. On the other side, we have LVNV Funding LLC—a name so generic it could be a software update or a tax form. But no, LVNV is a debt buyer, a professional collector of other people’s financial regrets. They don’t issue credit cards. They don’t care about your credit score. They care about collecting money—preferably with interest, fees, and a side of legal paperwork.

Now, let’s walk through the drama. Elizabeth used the card. She made purchases. She paid some bills. The last time she sent money in? June 28, 2022. After that… radio silence. The account started to rot. Fees piled up. Interest accrued. By February 2023, the balance had ballooned to $1,475.81—nearly 50% more than her original credit limit—thanks to $39 in late fees and $29.17 in interest charges. At that point, Credit One Bank gave up. They “charged off” the account, which is banker-speak for “we’re writing this off as a loss and emotionally detaching.” But—and this is where it gets weird—they didn’t just eat the loss. Instead, they bundled Elizabeth’s debt with hundreds or maybe thousands of others and sold the whole package to a company called MHC Receivables, LLC. Then, like a hot potato, it was passed to FNBM, LLC. Then to Credit Asset Sales LLC. Then to Resurgent Acquisitions LLC. And finally—drumroll, please—landed in the lap of LVNV Funding LLC, all on the same day: March 16, 2023. That’s right. In less than 24 hours, Elizabeth’s debt changed hands four times. It was less of a financial transaction and more of a corporate relay race.

Why are they in court? Because LVNV, now claiming to own the debt, says Elizabeth broke the contract she signed with Credit One Bank by not paying her bill. That’s the legal claim: breach of contract. In plain English? “You agreed to pay, you didn’t, so now we’re suing.” It’s not about fraud. It’s not about identity theft. It’s not even about whether the debt is fair. It’s a simple “you owe, we own, pay up.” And LVNV has the paperwork to prove it—or at least, they have the kind of paperwork that courts usually accept: assignment agreements, account summaries, and a copy of the final statement showing the $1,475.81 balance. The court doesn’t care why she stopped paying. It doesn’t care if she lost her job, had a medical emergency, or just plain forgot. All it cares about is whether the plaintiff can show they have the right to collect—and whether the defendant actually owes the money.

And what do they want? $1,475.81. Plus court costs. Plus fees. Plus maybe attorney’s fees, though that’s not clearly itemized. Now, is that a lot? In the grand scheme of debt, it’s not catastrophic. It’s less than a decent used car. It’s about three months of rent in a cheap studio apartment. But for someone already in financial trouble—someone whose credit card was charged off—it might as well be a million dollars. And here’s the kicker: LVNV didn’t pay $1,475.81 for this debt. They probably paid cents on the dollar. Maybe $200. Maybe less. These debt buyers operate on volume. They buy thousands of accounts for pennies, then sue for the full amount. If they win even half the cases, they’re in profit. It’s not personal. It’s just business. Ruthless, paperwork-heavy business.

Our take? The most absurd part isn’t that someone is being sued over $1,475. It’s that four different companies traded her debt like fantasy football picks before deciding to file a lawsuit. Elizabeth Causee didn’t sign a contract with LVNV. She never heard from them until this petition dropped. They weren’t her lender. They weren’t even a middleman. They were the fifth middleman. And yet, under the law, that’s enough. As long as the chain of ownership is documented—and in this case, it’s over-documented—LVNV gets to stand in court and say, “We own this debt. She owes it. Make her pay.” It’s like if you defaulted on a library book, and instead of the library coming after you, a private equity firm bought the overdue fine, hired a lawyer, and sued you for late fees plus emotional distress.

We’re not rooting for Elizabeth because she’s innocent. We don’t know if she is. Maybe she went on a shopping spree and ghosted the bill. Maybe she forgot. Maybe she’s broke. But we are rooting for the idea that debt collection shouldn’t feel like a shell game where your financial missteps get auctioned off to the highest bidder. There’s something deeply dystopian about a system where a woman’s forgotten credit card balance becomes a legal asset, passed from company to company like a cursed artifact, until someone finally decides to cash in. And the saddest part? This isn’t rare. This happens thousands of times a day. Elizabeth Causee is just one name on one docket in one county. But her story? That’s America’s credit card nightmare, on repeat.

So tune in next time, when we cover the thrilling sequel: Elizabeth vs. The Ghost of Her Own Financial Past. Same bat-time. Same bat-channel.

Case Overview

$1,476 Demand Petition

Jurisdiction

District Court of Tulsa County, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson & Kennard

Relief Sought

$1,476 Monetary

Plaintiffs

LVNV Funding LLC business
Rep: Nelson & Kennard

Defendants

ELIZABETH CAUSEE individual

Claims

#	Cause of Action	Description
1	breach of contract	failed to make required periodic payments

Petition Text

3,542 words

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA LVNV FUNDING LLC, Plaintiff, vs. ELIZABETH CAUSEE Defendant(s). CS-2025-00025 Case No. PETITION COMES NOW the Plaintiff, by and through counsel, Nelson & Kennard, and herewith alleges the following and seeks redress as hereafter delineated. 1. Plaintiff is a national debt collection agency, which transacts business within the State of Oklahoma. 2. Venue is proper in this County, as the Defendant(s) either reside(s) in this County at the commencement of this action, or the contract which is the subject matter of this action was made, executed, and delivered in this County. 3. The last four (4) digits of the Defendant’s account number, used by the original creditor as of the date of default are XXXXXXXXXXXXX7846. 4. Plaintiff’s claim arises when the Defendant(s) opened a credit account and failed to make the required monthly payments as agreed. The credit account charged off for non-payment on 2/09/23, the balance due at time of default is as follows $1,475.81. A true and accurate copy of the last periodic statement provided to the Defendant(s) prior to charge-off is attached hereto as Exhibit 1. A true and accurate copy of the ownership of the credit card account is attached hereto as Exhibit 2. 5. The Defendant(s) breached the Contract by failing to make the required periodic payments. 6. As a direct and proximate result of the Defendant(s) default, the total amount of debt claimed is $1,475.81. 7. The date of the last payment made by the Defendant(s) is June 28, 2022. 8. Plaintiff seeks court costs, and for such further relief as the Court may deem proper in the premises. WHEREFORE, Plaintiff, LVNV FUNDING LLC prays for judgment against the Defendant(s), ELIZABETH CAUSEE in the amount of $1,475.81, plus all costs herein expended, including but not limited to, court costs, sheriff’s fees, and special process server fees, attorney fees; and for such other and further relief as the Court may deem proper in the premises. Dated this November 26, 2024. Nelson & Kennard By: ____________________________ Ashton Dewayne Sears, OBA# 35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 Attorney for the Plaintiff EXHIBIT 1 CREDIT ONE BANK CREDIT CARD STATEMENT Account Number 7846 January 09, 2023 to February 08, 2023 SUMMARY OF ACCOUNT ACTIVITY <table> <tr><th> </th><th> </th></tr> <tr><td>Previous Balance</td><td>$1,407.64</td></tr> <tr><td>Payments</td><td>$0.00</td></tr> <tr><td>Other Credits</td><td>$0.00</td></tr> <tr><td>Purchases</td><td>+ $0.00</td></tr> <tr><td>Balance Transfers</td><td>+ $0.00</td></tr> <tr><td>Cash Advances</td><td>+ $0.00</td></tr> <tr><td>Fees Charged</td><td>+ $39.00</td></tr> <tr><td>Interest Charged</td><td>+ $29.17</td></tr> <tr><td>New Balance</td><td>$1,475.81</td></tr> <tr><td>Credit Limit</td><td>$1,000.00</td></tr> <tr><td>Available Credit</td><td>$0.00</td></tr> <tr><td>Statement Closing Date</td><td>02/08/23</td></tr> <tr><td>Days in Billing Cycle</td><td>31</td></tr> </table> PAYMENT INFORMATION <table> <tr><th> </th><th> </th></tr> <tr><td>New Balance</td><td>$1,475.81</td></tr> <tr><td>Past Due Amount</td><td>$425.00</td></tr> <tr><td>Amount Due This Period</td><td>$1,059.81</td></tr> <tr><td>Minimum Payment Due</td><td>$1,475.81</td></tr> <tr><td>Payment Due Date</td><td>03/04/23</td></tr> </table> Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $39. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <table> <tr> <th>If you make no additional charges using this card and each month you pay...</th> <th>You will pay off the balance shown on the statement in about...</th> <th>And you will end up paying an estimated total of...</th> </tr> <tr> <td>Only the minimum payment</td> <td>1 month(s)</td> <td>$1,476.00</td> </tr> </table> If you would like a location for credit counseling services, call 1-866-515-5720. Or you may visit www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111. QUESTIONS? Call Customer Service or Report a Lost or Stolen Credit Card 1-877-825-3242 Outside the U.S. Call 1-702-405-2042 Please send billing inquiries and correspondence to: P.O. Box 98873, Las Vegas, NV 89193-8873 TRANSACTIONS <table> <tr> <th>Reference Number</th> <th>Trans Date</th> <th>Post Date</th> <th>Description of Transaction or Credit</th> <th>Amount</th> </tr> <tr> <td colspan="4">Payments, Credits, and Adjustments</td> <td></td> </tr> <tr> <td> </td> <td> </td> <td> </td> <td>Fees<br>LATE FEE<br>TOTAL FEES FOR THIS PERIOD</td> <td>39.00<br>39.00</td> </tr> <tr> <td> </td> <td>02/08</td> <td>02/08</td> <td>Interest Charged<br>Interest Charge on Purchases<br>Interest Charge on Cash Advances</td> <td>29.17<br>0.00</td> </tr> <tr> <td colspan="4">TOTAL INTEREST FOR THIS PERIOD</td> <td>29.17</td> </tr> <tr> <td colspan="4">2023 Totals Year-to-Date</td> <td> <table> <tr> <th>Total fees charged in 2023</th> <th>$78.00</th> </tr> <tr> <th>Total interest charged in 2023</th> <th>$57.42</th> </tr> </table> </td> </tr> </table> Your account is currently closed. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. <table> <tr> <th>Type of Balance</th> <th>Annual Percentage Rate (APR)</th> <th colspan="2">Balance Subject to Interest Rate</th> <th>Interest Charge</th> </tr> <tr> <td>Purchases</td> <td>28.24%(v)</td> <td colspan="2">$1,239.62</td> <td>$29.17</td> </tr> <tr> <td>Cash Advances</td> <td>28.24%(v)</td> <td colspan="2">$0.00</td> <td>$0.00</td> </tr> <tr> <td>STANDARD BALANCE TRANSFER</td> <td>28.24%(v)</td> <td colspan="2">$0.00</td> <td>$0.00</td> </tr> <tr> <td colspan="2">(v) = Variable Rate</td> <td colspan="3"></td> </tr> </table> EXHIBIT 2 BILL OF SALE AND ASSIGNMENT OF ACCOUNTS FROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES, LLC As of February 28, 2023, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Credit One Bank, N.A. ("Assignor") has transferred, has sold, has assigned, has conveyed, has granted and has otherwise delivered to MHC Receivables, LLC ("Assignee"), all of Assignor's right, title and interest in and to (i) the charged-off credit card accounts identified on an account level basis in the data file named CreditOne_Fresh_Resurgent_032023 (the "Computer File"), a copy of which is attached hereto and incorporated herein by reference as "Exhibit A"; and, (ii) certain related account level media or electronic copies thereof (including, but not limited to applications, statements, terms and condition), and (iii) all claims or rights arising out of or relating to each account referenced on the Computer File (collectively hereinafter, the "Accounts") including, but not limited to, all claims and rights afforded each Account by virtue of that Account's corresponding terms and conditions. The Accounts transferred under the terms of this Bill of Sale and Assignment of Accounts were each transferred to Assignee immediately following charge off for each applicable Account, as shown in the Computer File. With respect to information for the Accounts, Assignor represents and warrants to Assignee that the business records conveyed to Assignee relating to: (i) the Accounts issued by Assignor; and (ii) the sale and assignment of Accounts by Assignor (collectively, the "Business Records"), are kept by Assignor in the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized representative with personal knowledge of the act, event, condition, or opinion (collectively "Event") to be recorded, to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event. Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody the information in Assignor's custody and control for the Accounts from their creation until the time of transfer to Assignee. These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations. This Bill of Sale and Assignment of Accounts shall serve as evidence of ownership for the Accounts conveyed hereby and shall serve as an acknowledgment, as ratification, and as evidence of the intent of the parties to transfer the Accounts. CREDIT ONE BANK, N.A. Michael Wiese Vice President EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_Resurgent_032023 with such electronic file incorporated herein by reference. BILL OF SALE AND ASSIGNMENT OF RECEIVABLES FROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES, LLC As of February 28, 2023 for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Credit One Bank, N.A. ("Assignor") has transferred, has sold, has assigned, has conveyed, has granted and has otherwise delivered to MHC Receivables, LLC ("Assignee"), all of Assignor's right, title and interest in and to (i) the receivables associated with each and every account referenced in the data file named CreditOne_Fresh_Resurgent_032023 (the "Computer File"), a copy of which is attached hereto and incorporated herein by reference as "Exhibit A"; and, (ii) all claims or rights arising out of or relating to each of those Receivables (hereinafter, the "Receivables"). The Receivables transferred under the terms of this Bill of Sale and Assignment of Receivables were each transferred to Assignee prior to the charge off of the associated accounts, as shown in the Computer File. This Bill of Sale and Assignment of Receivables evidences the intent between the parties for the transfer of the Receivables, acts as an acknowledgement of those transfers, and, to the extent necessary, ratification of the transfers. With respect to information for the Receivables, Assignor represents and warrants to Assignee that the business records conveyed to Assignee relating to the Receivables (the "Business Records"), are kept by Assignor in the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized representative with personal knowledge of the act, event, condition, or opinion (collectively "Event") to be recorded, to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event. Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody the information in Assignor's custody and control for the Receivables from their creation until the time of transfer to Assignee. These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations. This Bill of Sale and Assignment of Receivables shall serve as evidence of ownership for the Receivables conveyed hereby and shall serve as an acknowledgment, as ratification, and as evidence of the intent of the parties to transfer the Receivables. CREDIT ONE BANK, N.A. Michael Wiese Vice President EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_Resurgent_032023 with such electronic file incorporated herein by reference. BILL OF SALE AND ASSIGNMENT OF RECEIVABLES FROM MHC RECEIVABLES, LLC, TO FNBMLLC As of March 16, 2023, MHC Receivables, LLC ("Assignor"), for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, has periodically transferred, has sold, has assigned, has conveyed, has granted and has otherwise delivered to FNBM, LLC, ("Assignee") all of its rights, title and interest in and to (i) the receivables identified and specifically referenced for each of the accounts on an account level basis on the data file titled CreditOne_Fresh_Resurgent_032023 attached hereto and incorporated by reference as "Exhibit A"; and (ii) all claims or rights arising out of or relating to the account level receivables (hereinafter the "Receivables"). With respect to information for the Receivables, Assignor represents and warrants to Assignee that the business records conveyed to Assignee relating to the Receivables (the "Business Records"), are kept by Assignor in the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized representative with personal knowledge of the act, event, condition, or opinion (collectively "Event") to be recorded, to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event. Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody the information in Assignor's custody and control for the Receivables from their creation until the time of transfer to Assignee. These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations. This Bill of Sale and Assignment of Receivables shall serve as an acknowledgment, as ratification, and as evidence of the intent of the parties to transfer the Released Receivables referenced herein. MHC Receivables, LLC [signature] Mark Rufail, Authorized Representative EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_Resurgent_032023, with such electronic file incorporated herein by reference. BILL OF SALE AND ASSIGNMENT OF RECEIVABLES FROM FNBM, LLC TO CREDIT ASSET SALES LLC On March 16, 2023, FNBM, LLC ("Assignor"), for good and valuable consideration, the receipt of which is hereby acknowledged, hereby transfers, sells, assigns, conveys, grants and delivers to Credit Asset Sales LLC ("Assignee"), all of its rights, title and interest in and to (i) the receivables identified and specifically referenced for each of the accounts on an account level basis on the data file titled CreditOne_Fresh_Resurgent_032023 attached hereto and incorporated by reference as "Exhibit A"; and (ii) all claims or rights arising out of or relating to the receivables (hereinafter the "Receivables"). This Bill of Sale and Assignment of Receivables shall serve as evidence of ownership for any of the Receivables conveyed hereby. FNBM, LLC Greg Hammond, Authorized Representative With respect to information for the Receivables, MHC Receivables, LLC ("MHC") represents and warrants to Assignee that the business records conveyed to Assignee relating to the Receivables (the "Business Records"), are kept by MHC in the regular course of its business. It is in the regular course of business of MHC for an employee or an authorized representative with personal knowledge of the act, event, condition, or opinion (collectively "Event") to be recorded, to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event. Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody the information in Assignor's custody and control for the Receivables from their creation until the time of transfer to Assignee. These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations. MHC Receivables, LLC Mark Rufail, Authorized Representative EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file name CreditOne_Fresh_Resurgent_032023, with such electronic file incorporated herein by reference. BILL OF SALE AND ASSIGNMENT OF ACCOUNTS FROM MHC RECEIVABLES, LLC TO CREDIT ASSET SALES LLC On March 16, 2023, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, MHC Receivables, LLC ("Assignor"), hereby transfers, sells, assigns, conveys, grants and otherwise delivers to Credit Asset Sales LLC ("Assignee"), all of Assignor’s, rights title and interest in and to (i) the charged-off accounts identified on an account level basis in the data file named CreditOne_Fresh_Resurgent_032023 (the "Computer File"), a copy of which is attached hereto and incorporated herein by reference as “Exhibit A”; and, (ii) certain related account level media or electronic copies thereof (including, but not limited to applications, statements, terms and condition), and (iii) all claims or rights arising out of or relating to each referenced account (collectively hereinafter the “Accounts”) including, but not limited to, all claims and rights afforded each account by virtue of that account’s corresponding terms and conditions. With respect to information for the Accounts described in the related Computer File, Assignor represents and warrants to Assignee that the business records relating to: (i) the Accounts owned by Assignor; and (ii) the sale and assignment of Accounts by Assignor (collectively, the “Business Records”), are kept by Assignor in the regular course of its business. It is in the regular course of business of Assignor for an employee or an authorized representative with personal knowledge of the act, event, condition, or opinion (collectively “Event”) to be recorded, to make the appropriate memorandum or recording at or reasonably near the time of the Event. Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and accurate and thoroughly embody the information in Assignor’s custody and control for the Accounts listed in the Computer File from Assignor’s receipt of those Accounts until the time of transfer to Assignee. These representations and warranties are intended to augment any other representations and warranties the parties may have in place and not supplant any other existing warranties and representations. This Bill of Sale and Assignment of Accounts shall serve as evidence of ownership for any of the Accounts conveyed hereby. MHC Receivables, LLC Mark Rufail, Authorized Representative EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file name CreditOne_Fresh_Resurgent_032023, with such electronic file incorporated herein by reference. BILL OF SALE AND ASSIGNMENT OF ACCOUNTS AND RECEIVABLES FROM CREDIT ASSET SALES LLC TO RESURGENT ACQUISITIONS LLC Credit Asset Sales LLC ("Seller"), the owner of certain accounts and associated receivables (hereinafter referred to collectively as "Purchased Accounts"), for value received and in accordance with the terms of the Purchase and Sale Agreement, by and between Seller and Resurgent Acquisitions LLC. ("Buyer"), dated as of January 1, 2022 ("Agreement"), does hereby sell, assign and transfer to Buyer, its successors and assigns, all right, title and interest in and to the Purchased Accounts as described on the computer file named CreditOne_Fresh_Resurgent_032023 (the "Computer File"), a copy of which is attached hereto and incorporated herein by reference as "Exhibit A". This Bill of Sale and Assignment of Accounts and Receivables is subject to the terms of the Agreement and is made without representations and warranties of any kind or character except as expressly stated in the Agreement, or as expressly stated below. With respect to information for the Purchased Accounts described in the related Computer File, to the best of Seller's knowledge, Seller represents and warrants to Buyer that such information (i) is materially complete and accurate; (ii) constitutes Seller's own business records that pertain to the Purchased Accounts and accurately reflects in all material respects the information in Seller's database; (iii) was kept in the regular course of Seller's business; (iv) was made, entered or compiled in the regular course of business; (v) was recorded at or near the time the underlying activity occurred, by a person with knowledge of the data recorded; (vi) has been accurately maintained in Seller's database since it was recorded there; and (vii) it is the regular practice of Seller's business to maintain and compile such data. This Bill of Sale and Assignment of Accounts and Receivables may be entered as evidence of ownership for any of the Purchased Accounts conveyed hereby. Closing date: March 16, 2023 Credit Asset Sales LLC Craig Bennett, Authorized Representative EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the electronic file name CreditOne_Fresh_Resurgent_032023, with such electronic file incorporated herein by reference. Transfer and Assignment Resurgent Acquisitions LLC ("RALLC"), without recourse, to the extent permitted by applicable law, hereby transfers, sells, assigns, conveys, grants and delivers to LVNV Funding LLC ("LVNV") all of its right, title and interest in and to the receivables and other assets (the "Assets") identified on Exhibit A, in the Receivable File dated March 06, 2023 delivered by Credit Asset Sales LLC on March 16, 2023 for purchase by RALLC on March 16, 2023. The transfer of the Assets included electronically stored business records. Dated: March 16, 2023 Resurgent Acquisitions LLC a Delaware Limited Liability Company By: Name: Jackson Walker Title: Authorized Representative Dated: March 16, 2023 LVNV Funding LLC a Delaware Limited Liability Company By: Name: Daniel Picciano Title: Authorized Representative Exhibit A Receivables File 03.16.23 CreditOne_Fresh_Resurgent_032023 Transfer Group Portfolio Transfer Batch 898803 41499 N/A ACCOUNT SUMMARY REPORT 9/19/2024 2:15:51 PM This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor. <table> <tr> <th>Borrower Information</th> <th>Current Account Information</th> </tr> <tr> <td>Name: ELIZABETH CAUSEE<br>Address: 109 S 9th St Apt 210<br>City: Broken Arrow<br>State: OK<br>Zip Code: 74012-4228</td> <td>Owner: LVNV Funding LLC<br>Resurgent Reference #: 753781873<br>Original Creditor: Credit One Bank, N.A.<br>Account Number: XXXXXXXXXXX7846<br>Current Balance Due: $1475.81<br>Date of Last Payment: 06/28/2022</td> </tr> </table> Recent Payment Transactions No Transactions Found Historical Account Information The original creditor for this account was: Credit One Bank, N.A. P.O. Box 98873 Las Vegas, NV 89193 The origination date with original creditor was: 08/25/2021 The account charge-off date was: 02/09/2023 The account charge-off amount was: $1,475.81 The account was acquired on or about: 03/16/2023 The account balance at time of acquisition: $1,475.81 This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.