Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
I had a similar issue with a different state last year. Turned out the original filer had made a typo in the debtor name and nobody caught it until we were doing due diligence. Had to file a UCC-3 amendment to correct the name before we could proceed. Check if any of these variations might be typos that need correction.
In WV it was pretty quick - filed electronically and got confirmation within 24 hours. But you'll want to verify the corrected name matches your loan documents exactly.
Make sure to keep the original filing number when you amend. Don't file a new UCC-1 or you'll lose priority from the original filing date.
This thread is so helpful. I'm bookmarking it because I know I'll run into this issue again. The WV system really needs an overhaul to handle these name matching problems better.
Agreed. It's frustrating that we have to work around these system limitations instead of having reliable search functionality.
Join the conversation
This exact thing happened to me with a Delaware corporation filing in NC. The issue was that Delaware corporations sometimes have different name formats in different state databases. I had to use NC's foreign corporation registration name instead of the Delaware charter name.
Yeah check their Certificate of Authority to transact business in NC. That name format is what NC's UCC system expects.
Good catch! Foreign corporations often have slight name variations in different states.
After reading all this I'm definitely going to try that Certana tool mentioned earlier. I do a lot of UCC filings and name matching errors are my biggest frustration. Anything that can catch those before I submit would be worth it.
It really does save time. I wish I had found it sooner instead of learning the hard way with rejections.
Same here. These kinds of preventable errors just eat up so much time that could be spent on actual legal work.
Join the conversation
Don't forget to check if the original UCC-1 had any amendments that might have updated the debtor information. Sometimes there are UCC-3 amendments on file that have more current contact details.
Good catch! I'll search for any amendments to that filing number. I was so focused on the original UCC-1 that I didn't think to check for updates.
Yeah amendment searches are easy to forget but they can save you a lot of trouble if someone already updated the key information.
This thread is really helpful. I'm dealing with a termination issue too where the debtor moved states but I wasn't sure if I could use their new address. Sounds like as long as the legal name matches exactly I should be okay to update the contact info.
Exactly right. The debtor name has to be identical to the original filing, but contact information can be updated to reflect current details.
Just make sure you're not changing the legal entity type or anything like that. Contact updates are fine, but structural changes to the debtor identity need to be handled differently.
Join the conversation
I've been using a document checking service called Certana.ai that catches these name mismatches before filing. You upload your UCC-1 along with the company's charter or other formation docs and it flags any discrepancies. Worth trying if you're having ongoing issues with California UCC Article 9 name matching.
Does it work for other states too or just California?
It works nationwide. Really helpful for catching those subtle name differences that cause rejections.
UPDATE: Found the issue! The company had filed an amendment changing from 'Pacific Coast Graphics LLC' to 'Pacific Coast Graphics, LLC' - added a comma before LLC. Such a tiny change but that's what caused the rejection. California UCC Article 9 name matching is incredibly strict. Thanks everyone for the suggestions!
Yes, accepted immediately once I used the correct name with the comma. Lesson learned - always check for recent amendments.
Perfect example of why those document verification tools are worth it. Would have caught that comma difference right away.
Hunter Brighton
Don't forget to check the date ranges on your search. DC's system defaults to recent filings only sometimes. Make sure you're searching all dates, especially if you're looking for older UCC-1s that might have been continued.
0 coins
Dylan Baskin
•Yeah the date filter has caught me before too. It's not always obvious that it's limiting your results.
0 coins
Avery Saint
•The DC system interface is really unclear about what filters are active. Other states do a much better job with the search interface design.
0 coins
Lauren Wood
Update: tried the wildcard searches and found three additional filings that weren't showing up before! Thanks for all the suggestions. Still going to look into that document verification tool mentioned earlier since manual checking is getting pretty tedious with our current loan volume.
0 coins
Keith Davidson
•Glad the wildcard search helped! The document verification definitely saves time when you're dealing with multiple filings per loan.
0 coins
Ellie Lopez
•Good to hear you found the missing filings. These search quirks can really mess up your lien priorities if you're not careful.
0 coins