Order. Appeal from a decision of the Court of Common Pleas - AFFIRMED

IN THE SUPERIOR COURT ()F THE STATE OF DELAWARE MIDLAND FUNDING LLC, Assignee of CITIBANK, N.A. (SEARS PREM_IER CAR_D), Plaintiff~beiow Appellant, C.A. NlSA-OI~OOS Al\/IL ERl\/IA GRAVES, Defendant-beloW/Appe]lee. \-.../\._/\..../\.._/\.J‘-._/\__/g/\_,/\__,/\__,/-.._/ Subn'iitted: February 15, 2016 Decided: April 7, 2016 ()RDER On appeal from a decision of the Court of Common Pleas: AFF]Rl\/IEI). This is an appeal from a decision of the Court of Comrnon Pleas in a consumer debt aetion. The assignee of the original creditor filed the action, seeking payment of an overdue debt. On the day of trial, the trial judge granted judgment in favor of the debtor after ruling inadmissible an affidavit the assignee sought to offer to prove the debt’s existence and its assignment to the plaintiff The assignee filed this appeal. Proeedurai History On Septeinber 8, 2014, Midland Funding, LLC ("l\/Iidland") filed an action against Ernia Graves to collect a $3,l5().08 debt The debt was a Citibanl<, N.A., Sears credit card account that Citibank allegedly assigned Midland. Graves filed an answer to the Coinplaint, admitting most of the allegations.' Specificall_y, Graves admitted: (1) she "defauited on the Account by failing to make the payment due;""' (2) there is "now due and owing froin defendant to plaintiff the principal balance of $3,150.08;"3 and (3) "Defendant is indebted to Plaintiff based on Account stated aboveYM l\/Iidland and Graves appeared for trial on January 9, 2015. l\/Iidland argued that because Graves admitted the allegations in her answer, there was nothing more to prove and judgment should be entered against Graves. Midland attempted to move into evidence certain business records purportedly establishing both the amount of the debt and the assignment from Citibanl< to Midland. 'l`o admit the evidence, l\/Iidland relied on an affidavit from Lori 'l`hielen-Nelson, who was an officer of l\/lidland and a. °‘legal specialist" of Midland Credit Managelnent, Inc. ("MCM"), the entity that services l\/Iidland’s accounts (the "l\/lidland Affidavit").5 g Appellalit’s Opening Br. App. A-l6 ("App."). Ans. to Compl. il 3. 3 1a 31114. " rd. ar 11 6. 5 App. /\~20. Original to Prothon<)tary cc: Seth H. Yeag@r, Esquire Ms. Erxna Graves,pro se, via Fist Class M`aif I l ln a letter dated December 8, 2014, Midland sent Graves a copy of the l\/lidland Affidavit and attached records and indicated the affidavit would be introduced at trial. in the letter, Midland explained the affidavit "deznonstrate[s] the correct amount owed on [Grave’s] Citibank, N.A. account."° The letter did not notify Graves that the records also would be introduced to establish the assignment of the debt from Citibanl< to Midland. "l`he records to which the Midland Affidavit refers include a bill of sale and assignment (the "Assigninent"),? an affidavit of sale of account by original creditor (the "Affidavit of Sale"),g and credit card statements.g 'l`he Assignlnent from Citibank to l\/Iidland, dated February 24, 2014, offers no specific information as to which accounts were sold, referring only to "the Accounts described in Exhibit l 1150 and the final electronic fiie. Exhibit 1, however, is redacted almost coinpletely, leaving no account information whatsoever." The Affidavit of Sale, dated March 3, 2()14, was executed by Patricia Hall, who was the financial account inanagei' of Citibank, N.A., and states: "I have access to the creditor’s books and records and am aware of the process of the sale of accounts and electronic storage of business records. . . . As part of the [February " Id. ar /\-19. l let at A-23. *"!d. ar A-zs. 9 Id. at A-ZS through A-3 l. "’ 1a at A-zz. " Id. at A-z¢a. 24, 20]4] sale of the Accounts, certain electronic records were transferred on individual accounts to the debt buyer."iz Aithough the Affidavit of Sale states that the affiant is "not aware of any errors in the information provided about the Accounts," it provides no more information than that Citibank "sold a pool of charged-oft` accounts . " § 3 The l\/lidland Afi'idavit refers to attached records and a "data sheet," which allegedly "contaiii[s] account data printed by l\/l'Cl\/l, without alteration or rnodiiicatioii, directly from electronic records provided by [Citibanl<] in connection "ll The data sheet consists of the debtor’s account with the sale of the account inforination, and at the bottom it states: "Data printed by Midland Credit l\/laiiageinent, Inc. from electronic records provided by Citibank, N.A. pursuant to the Bill of Sale / Assigninent of Accounts transferred on or about 2/24/2()14 in connection with the sale of accounts from Citibanl<, N.A. to l\/lidiand Funding, LLC."“ 'I` he Court of Common Pleas refused to admit the evidence because l\/lidiand did not have a business records custodian present to testify at trial.m l\/l`idland’s counsel argued that the affidavit was sufficient to admit the evidence under "rd_ m /\»25. ll Icf. ll /d. al A-Zl;siee /~\-27. '~‘Id. ata-21 m Mi`ca’lari'd Fztiictl, LLC v. Gi'c!ves, CPU¢l-i¢i-OUZ§'Y'/’, at 4, 5, 8 (Dcl. Com. Pl. Jan. 9, 2015) ('I`IKANSCRIP'F) ("'l`r."). Delaware Rules of Evidence ("D.R.E.") 803(6)'7 and 902(11).'8 'l`he l\/Iidiand A'ftidavit states that "[l\/Iidland] purchases portfolios of deiinqtlent accounts . . . and contracts with its affiliate, l_\/ICl\/i, to service the accounts on [l\/lidland]’s belialt";" "l\/ICM holds the cornputei' records and account information for accounts purchased by [l\/Iidland];" the affiant has "access to" and has "reviewed the electronic records pertaining to the account" and is "authorized to make this affidavit on [l\/iidla.nd]’s behait`;" and the affiant is °‘fainiliai‘ with and trained on the manner and method by which l\/ICl\/I creates and maintains its business records pertaining to this account."lg The court rejected that argument, reasoning that a business custodian was required to testify and holding that: "If you’re seeking to get those documents in through the evidence rules without a business records custodian, I find that that’s 01 20 not an acceptable matter here. The trial judge stated that Graves could not "admit to a transfer of the debt that she knows nothing about and doesn’t understand" and that the proffered affidavit was not an acceptable way to move the '7 D.R.l%l. 803.6 Records ofregularly conducted activity (allowiiig the introduction of records of regularly conducted activity if it is acco:np)aiiied by testirnony or "ceititication that coinpiies with D.R.E. 902(1 l), l`).R.l%`,. 902(l2) . . . ."). "‘ D.R.E. 902(11) Certified doincstic records of regularly conducted activity (Rccords arc “vdniissible under Rule 803(6) if accompanied by a written declaration of its custodian or other qualified person . . . certifying that the record (A) was made at or near the time of the occurrence of the tnat'tcrs set forth by, or front information transmitted by, a person with knowledge of those lnatters; (B} was kept in the course of the reguiarly conducted activity; and {C) was made by the regularly conducted activity as a regular practice."). "" /»\pp. /\»20. lt 'n-. 7. evidence into the record.z] 'l`he court below did not reach the issue of whether the evidence, if admitted, was sufficient to satisfy i\/lidland’s burden to prove the assignment of the debt. l\/Iidland had nothing else to present. The Couit therefore entered judgment for Graves.zz l\/iidland filed a timeiy appeal on january 23, 2015_23 The Parties’ Contentions l\/iidland’s appeal is based on one argument the trial court improperly refused evidence that should have been accepted as business records.% Graves’ response consists of two sentences: i am requesting the courts to strike l\/lidiands’s[sic] business records that Mr. Yeager' attempted to submit into evidence via Affidavit at the January 9, 2015 trial, and my Answer from October 22, 2014 frorn Yeager’s Opening Brief, dated August 13, 2015. Based on no new evidence, I ask the Superior Court to uphold the decision rendered at the lower court and to please dismiss. Analysis This Court "rcviews evidentiary rulings by the Court of Common Pleas under an abuse of discretion standard."z§ "An abuse of discretion occurs when ‘a court has . . . exceeded the bounds of reason in view of the circumstances,’ [or] . . . 2' 1a at a Id. at l() ("|:'l`]lie state is finding a .itldgiiielit for you[_, Graves]."). 23 Super. Ct. Civ. R. 72(1)) ("ifno time is prescribed by statute, the notice of appeal shall be filed within 15 days froin entry ot` the final judgment, order, or disposition front which an appeal is perniitted by law."). 24 Appeilant’s Opeiiing Br. 9. 25 city (JW:J»»¢/iigi@ii v. F/aiii@i~, 20 r 3 wis 4829585, at *4 (o@i. sup@i-. may 22, 2013) testing pet Acceprcnice Corp. v. Stvcrirr, 20l2 WL 6042644, at *6 (Del. Stlper. Nov. 30, 2012)). 6 so ignored recognized rules of law or practice . . . to produce injustice."z(’ "["I`]o find reversible error in an evidentiary ruling, [the court] must find not only error in the ruling, but that a "substantial right of the party is affected.’m lf the reviewing court determines that the lower court abused its discretion, the court then must consider whether the act resulted in significant prejudice.?"g 'i"he court below erred in its holding that l\/Iidland was prohibited from admitting the business records without a business custodian’s live testiinony. To the extent the lower court’s ruling suggests that a custodian must testify before a court will admit business records into evidence, that ruling is at odds with D.R.E. 8()3(6), which perinits admission of records of regulariy conducted activity if accompanied by testimony or "certification that complies with D.R.E. 902(11)."29 The record contains nothing that indicates the court below considered whether the Midiand Afiidavit complied with D.R.E. 902(11). If the Midland Affidavit complied with the rules, the affidavit and accompanying records should have been admitted into evidence. Graves’ status as a self-represented litigant does not alter the rules of evidence. 25 De/. Accepicrivce Cl'r)rj)., 2012 WL 6()42644, at *3 (quotirtg Cu/p v. Slcrie, 766 A.Zd 486, 489 (I`Jc:|.ZO(}I)). 27 Merc'edes-Berrz ofN. A)n. Inc. v. Nm'riiczn Gens'hnian's Thz`ng.s' m Wear, lnc., 596 A.Zd 1358, 1365 (Del. ¥991). 28 rrai~pa~ v_ .siai@, 970 A.zd :99, 201 (1')@1. 2009). 2" i_).ii.i=;. 303(6). That conclusion, however, does not require reversal of the tower court if l conciude that the error was harmless because the cotirt’s judgment may be affirmed on independent grounds.'?o in my opinion, there are two independent grounds on which the judgment in favor of Graves may be afflrmed. First, l\/Iidland fa.iled strictly to comply with the notice requirement in D.R.I§l. 9()2(11). Second, the evidence l\/lidland sought to admit was insufficient to establish the debt’s assignment. "I`urniiig first to the notice issue, Rule 902(11) provides that a record of regularly conducted activity may be authenticated by a written declaration of its custodian or other quafii'ied person certifying that the record: (A) was made at or near the time of the occurrence of the matters set forth by, or from information transmitted by, a person with knowledge of those niatters; (B) was kept in the course of the regularly conducted activity; and (C) was made by the regularly conducted activity as a regular practice. A party intending to offer a record into evidence under rhi.s' paragraph n'iusr provide ivrirren notice of that intention fo all adverse parries, and must make the record and deciaration available for inspection sufficiently in advance of their offer into evidence to provide an adverse party with a fair opportunity to cliallenge them,}l Al_thougli Midfan_d notified Graves of its intent to offer the records at issue into evidence, I\/fidland indicated the records were being offered to establish the amount ““ .st»@ iranian orr ca »». rzzrib.i, 2013 wi, 1 143630@)@1. stip@i-. iviai-. 14, 2013). ~“ i).iz.r,. 902(1 1). of the debt Graves owed. In view of Graves’ self-represeztted status, the notice was inisleadiiwg as to the documents’ purpose. This is particularly true since Graves was not challenging the amount of the debt. By indicating to a self~ represented litigant that the records were being offered for one purpose, but then attempting to admit them for a different purpose, Midland violated the spirit, if not the letter, of D.R.E. 902(1 l). In addition, even ifthe Midland Aftidavit and accompanying records were admissible under the rules of evidence, the records were not sufficient to establish the assignment front Citibank to Midland. The proffered evidence shows: l. Citibank sold and assigned to l\/lidland a series of accounts described in an exhibit attached to the bill of sale.'l? 2. The exhibit attached to the bill of sale refers to individual accounts "described in the final electronic file" delivered to l\/Iid|and.'“ 3. Citibanl< sold l\/Iidland a pool of "charged off’ accounts and, as part of the sale, transferred to Midland "certain electronic records . . . on individual accounts."“ 4. Midland has in its files the electronic records for Graves’ Citibanl< Sears credit card, which l\/[`idland represents were transferred in connection with the sale of accounts from Citibanl< to l\/Iidland.$§ ~‘2 App. A-23. 33 1a ar /-\-24. ~"‘ 1a ar /-\»25, /\~26. 5. The account statements reflect a balance of $3,150.08 on Graves’ credit card.'l(` The proffered evidence is missing one key piece: direct documentation that Graves’ account was one of the accounts Citibank sold to _l\/Iidland. ln a consumer debt action, the purported assignee of the creditor has the burden to prove the assignment in order to establish standing.w This Court and the Court of Common Pleas have held that a plaintiff must offer specific proof showing the assignment or sale of the account at issue to the plaintiff.lg This, l\/Iidland has not done; there is no evidence listing Graves’ account as one of the accounts Citibank sold Midland. The proffered evidence would require the Court to make the inference that Graves’ account must have been included in the sale since Midland now has possession of the electronic files for Graves’ account. This inference, although fair, does not meet l\/Iidland’s burden of proof. Based on the foregoing, the Court of Common Pleas‘ decision is AFFIRMEI). IT IS S() ORDERED. 35 ld. m A-z?. ~" mt ar A-zs through /~.-31. 37 M."a'fcrnd Funding, LLC v. Hanby, 2015 WL 738060, at *4 (Del. Com. Pl. Feb. 23, 20|5). ”K/zned:n.»-z v_ (JACH LLC, 2015 WL 3429941,@1*3-4(13@1. super. may 22, 2015); H¢mby, 2015 WL 738060,31*5. 10