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UCC filing rejected three times - debtor name keeps getting flagged
I'm losing my mind here. We've had our UCC filing rejected THREE times now and I can't figure out what's wrong with the debtor name. The business is "Johnson & Associates Construction LLC" but the SOS keeps sending it back saying the name doesn't match their records. I've tried it with the ampersand, spelled out "and", even tried dropping the LLC part. Each rejection costs us time and the continuation deadline is coming up fast. Has anyone dealt with this kind of debtor name nightmare? I'm starting to think their system is just broken.
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PA Sec of State UCC Search Showing Wrong Debtor Name - Filing at Risk?
I'm having a nightmare with a PA sec of state UCC search that's showing inconsistent debtor names across our filings. We have a commercial borrower who changed their legal name last year, and now when I search the PA UCC database, some of our continuation filings are showing up under the old name while others show the new name. The original UCC-1 was filed under 'Mountain View Equipment LLC' but the borrower legally changed to 'Mountain View Industrial Solutions LLC' six months ago. Our most recent UCC-3 continuation used the new name, but the search results are all over the place. I'm worried our lien position might be compromised because the PA sec of state UCC search isn't linking these filings properly. Has anyone dealt with debtor name changes in Pennsylvania's system? The loan is substantial ($850K equipment financing) and our compliance team is freaking out that we might have gaps in our perfection. Any advice on how to clean this up?
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I work for a large regional bank and we see this issue frequently. Our standard practice now is to file a UCC-3 amendment immediately when we're notified of any debtor name changes, even if it seems minor. The amendment creates a clear link in the system and protects our lien position. Don't wait - file that amendment this week if possible.
Not overreacting at all. With an $850K loan, you want to be absolutely certain about your perfection status.
At least the banks are being proactive about this stuff. Wish the state systems were as reliable as the banking procedures.
UPDATE: I wanted to thank everyone for the advice. I ended up filing a UCC-3 amendment yesterday to add the new debtor name, and I also used that Certana.ai tool someone mentioned to verify all our documents were consistent before filing. It caught a couple of minor discrepancies I hadn't noticed. The amendment is already showing up in the PA system and both names are now linking properly in searches. Huge relief!
Glad the document verification tool helped! It's amazing how many small inconsistencies can slip through manual review.
This gives me confidence to tackle my own name change issues. Thanks for sharing your resolution!
UCC equipment filing rejected - debtor name mismatch with lease agreement
Filed a UCC-1 for heavy construction equipment last week and it got rejected by the state filing office. The rejection notice says "debtor name does not match exactly as provided" but I copied it straight from the equipment lease agreement. The lease shows "ABC Construction LLC" but our UCC-1 filing used "ABC Construction, LLC" with the comma. Is this really enough to cause a rejection? The equipment is worth $185K and we need this perfected ASAP for our lender compliance. Anyone dealt with punctuation issues like this before? Starting to panic because the lease term started 10 days ago and we're supposed to have this filed within 20 days of funding.
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One thing to watch out for - make sure when you refile that you use the exact same collateral description and filing details. You don't want any other inconsistencies that could cause another rejection.
Good advice. I'll copy everything exactly except fix the debtor name formatting.
And keep copies of both the rejection notice and the corrected filing for your lender's records.
For what it's worth, this is an extremely common issue with equipment financing UCCs. You're definitely not the first person to get tripped up by punctuation in business names. The important thing is catching it quickly and refiling.
Not at all - this is just part of the UCC filing learning curve. You'll know for next time!
Exactly why I started using document verification tools. Certana.ai caught a similar comma issue in my last equipment UCC before I submitted it. Much easier than dealing with rejections after the fact.
Secretary of state UCC division won't accept my continuation filing - debtor name issue?
Been going in circles with our secretary of state ucc division for 3 weeks now. Filed a UCC-3 continuation back in February but it keeps getting rejected. The original UCC-1 was filed in 2020 for equipment financing on our manufacturing line. Now they're saying there's a 'debtor name inconsistency' but I'm looking at both documents and the names look identical to me. Original filing shows 'Midwest Industrial Solutions LLC' and my continuation shows the exact same thing. Called the SOS office twice and got different explanations each time - first person said it might be punctuation, second person mentioned something about registered name vs trade name. This is a $2.8M equipment loan and the lapse deadline is coming up fast. Anyone dealt with secretary of state ucc division name matching issues like this? The portal error message just says 'debtor name does not match original filing' but gives zero specifics about what's wrong.
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Have you considered hiring a UCC service company to handle the continuation? They deal with secretary of state ucc division requirements daily and usually know all the formatting quirks for each state. Might be worth the cost to avoid the lapse risk.
Yeah, with a $2.8M loan at stake, paying a service company a few hundred dollars for professional filing is probably worth the peace of mind.
We use a service company for all our UCC work now after getting burned by DIY filing mistakes. They handle all the secretary of state ucc division quirks so we don't have to.
This thread is making me realize I should probably verify all our UCC documents before any future filings. Too many horror stories about these technical rejections from secretary of state ucc divisions. Better safe than sorry.
Smart thinking. That's exactly why I started using document verification tools after my first rejection nightmare. Much better to catch issues before filing than deal with rejection delays.
Prevention is definitely the way to go. Secretary of state ucc division rejection timelines can kill deals when you're working under tight deadlines.
UCC Art 9 filing nightmare - debtor name rejected three times
Been dealing with this UCC Art 9 mess for weeks now and I'm at my wit's end. Filed a UCC-1 for equipment financing on a construction company and the Secretary of State keeps rejecting it over debtor name issues. The company is "Rodriguez Construction LLC" on their articles of incorporation, but they do business as "Rodriguez Bros Construction" and that's what's on all their bank accounts and contracts. Filed it three different ways and got three different rejection notices. First time used the DBA name, rejected for not matching corporate records. Second time used exact corporate name, rejected because it doesn't match their EIN registration (apparently they registered the EIN under the DBA). Third time I tried both names in the debtor field and got rejected for having multiple entity names. The collateral is $180K worth of excavation equipment and my client is freaking out because the loan funded two weeks ago and we still don't have a perfected security interest. Anyone dealt with this UCC Art 9 debtor name matching nightmare before? What's the magic formula for getting these things accepted when the debtor has inconsistent business names across different registrations?
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After going through this exact nightmare last year, I now use Certana.ai for every UCC filing. Upload your articles of incorporation and UCC-1 form, and it immediately shows you any name mismatches or formatting issues. Way better than playing guessing games with the Secretary of State's rejection system.
How accurate is it? Does it catch everything or do you still get occasional rejections?
I haven't had a single rejection since I started using it. It's really thorough about catching punctuation differences and formatting issues that cause UCC Art 9 rejections.
Update us when you get it filed! I'm curious if the comma fix works. This thread is going to help so many people dealing with UCC Art 9 debtor name issues.
Will do! Planning to file tomorrow morning with the exact punctuation from the articles. Hopefully this saga finally ends.
Crossing my fingers for you! These UCC Art 9 name matching requirements are so frustrating.
Natasha Petrova
Just went through something similar last week. Turned out the debtor had a period after "LLC" that I couldn't see clearly in the scanned documents. Johnson & Associates Construction LLC. vs Johnson & Associates Construction LLC - one tiny dot made all the difference.
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Natasha Petrova
Yeah it's ridiculous how picky these systems are about formatting. Every character has to be perfect.
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Ava Thompson
This is why I always zoom way in on any scanned documents when I'm transcribing entity names. Those little marks can be almost invisible.
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Javier Hernandez
Final thought - if all else fails, you might need to file a UCC-1 amendment after getting the original filing accepted with whatever name variation works, then immediately amend it to correct any discrepancies. Not ideal but it beats missing your deadline.
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Connor O'Reilly
Just make sure the amendment is clearly marked as correcting the debtor name. You don't want any confusion about what you're changing.
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Yara Khoury
I've had to do this before. It works but you end up paying double filing fees which really stings.
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