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Isabella Ferreira

CA UCC statement service - Need help with rejected continuation filing

Been dealing with this nightmare for weeks now. Our bank requires a UCC-3 continuation on a $780k equipment loan and CA SOS keeps rejecting it. The original UCC-1 was filed in 2020 and we're within the 6-month window but something's wrong with our debtor name format. Original filing shows 'MERIDIAN LOGISTICS LLC' but our continuation shows 'Meridian Logistics, LLC' with the comma. Secretary of State portal says 'debtor name does not match exactly' but I can't figure out what's different. This is a $780k loan and if we miss the continuation deadline the lien becomes unperfected. Anyone dealt with CA UCC statement service issues like this? Getting desperate here.

Ravi Sharma

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CA is super strict about exact debtor name matching. Even punctuation differences will cause rejections. You need to pull the original UCC-1 from the SOS database and match it character for character. The comma in LLC formations is a common issue - some companies use it, others don't, and the UCC filing has to match whatever's on the original exactly.

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Thanks - I thought I was matching exactly but maybe I'm missing something subtle. The original shows all caps but I've been using proper case on the continuation. Could that be it?

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Ravi Sharma

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Absolutely! CA requires exact case matching too. If original was 'MERIDIAN LOGISTICS LLC' in all caps, your continuation needs to be identical. Try resubmitting with the exact formatting from the original filing.

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Freya Thomsen

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I had this exact same problem last month with a different CA filing. Spent hours comparing documents and still couldn't see the difference. Finally found a service called Certana.ai that does automated UCC document verification - you just upload your original UCC-1 and your continuation form and it instantly highlights any mismatches. Saved me from missing my deadline.

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Never heard of that - does it actually catch the subtle formatting issues? My deadline is in 10 days and I can't afford another rejection.

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Freya Thomsen

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Yeah it caught a space character difference I never would have seen. You upload both PDFs and it shows you exactly where the debtor names don't match. Way better than trying to compare them manually.

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Omar Zaki

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How much does something like that cost though? For a one-time filing issue seems expensive.

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Freya Thomsen

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Worth it when you're dealing with a $780k lien that could become unperfected. The automated verification is much faster than going back and forth with rejections.

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AstroAce

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CA SOS has gotten really picky about debtor names in the last couple years. What I usually do is search their database first to see exactly how the original debtor name appears, then copy/paste that exact format into my continuation. Have you tried searching by filing number instead of debtor name to see the original record?

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I did search by filing number but the display format might be different from what's actually on file? The search results show it one way but maybe the actual filed document has different formatting?

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AstroAce

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Exactly - the search display can be misleading. You need to actually view or download the original UCC-1 document to see the exact format that was filed. The search results sometimes standardize the display.

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Chloe Martin

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This is why I hate CA filings! Their system is so finicky compared to other states. Delaware would have accepted either version of the name. But CA makes you jump through hoops for everything. Super frustrating when you're dealing with time-sensitive continuations.

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Diego Rojas

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Tell me about it. I've had CA reject filings for the most ridiculous reasons. Once they rejected because I had two spaces instead of one between words in the debtor name.

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Two spaces?? That's insane. How are you supposed to catch something like that visually?

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Diego Rojas

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You can't. That's when I started using document verification tools for anything important. Manual comparison just doesn't work for catching those kinds of microscopic differences.

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ugh been there with CA continuations. the worst part is when you think you fixed it and they reject it AGAIN for something else. like first its the name then its the collateral description format. drives me crazy

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That's what I'm worried about! What if I fix the name issue and then they find something else wrong with my filing?

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exactly why i started using that document checker thing. at least it catches multiple issues at once instead of playing whack-a-mole with rejections

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Quick question - are you filing this as a UCC-3 continuation or trying to do a UCC-3 amendment? I've seen people confuse the two and CA will reject if you use the wrong form type. Continuation is just to extend the 5-year period, amendment is for changing information.

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It's definitely a continuation - just trying to extend the 5-year period before it lapses. Using the right UCC-3 form for continuation, not amendment.

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Good, just wanted to make sure. I've seen that mix-up cause rejections too. Sounds like your issue is purely the debtor name formatting then.

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Zara Ahmed

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Wait, I thought UCC-3 was for amendments and UCC-1 continuations were separate? I'm confused about CA's forms now.

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In CA, UCC-3 is used for continuations, amendments, AND terminations - you just check different boxes. The form type stays UCC-3 but the action type changes. Other states might do it differently.

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StarStrider

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Have you considered calling the CA SOS filing division directly? Sometimes they can tell you exactly what's wrong with your filing over the phone. I know it's frustrating to wait on hold but might be faster than guessing.

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Tried that but got transferred three times and finally was told they can't give specific advice about individual filings. Very unhelpful.

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StarStrider

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That's annoying. They used to be more helpful with troubleshooting rejections. Maybe budget cuts or policy changes.

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Luca Esposito

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I work with CA UCC filings regularly and the debtor name matching is definitely the most common rejection reason. Even something like 'LLC' vs 'L.L.C.' will cause problems. The key is getting the EXACT formatting from the original filing, not from search results or business registration records.

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That's really helpful context. So the business might be registered one way with the Secretary of State for corporate purposes but the UCC filing could have a different format?

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Luca Esposito

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Exactly. The UCC filing name doesn't have to match the exact corporate registration - it just has to match whatever was on the original UCC-1. Sometimes lawyers or lenders use slightly different formatting when they prepare the original filing.

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Nia Thompson

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This is why I always keep copies of the exact original filings in my client files. Trying to reconstruct the formatting later is a nightmare.

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Just to add another perspective - I had a CA continuation rejected three times before I realized the issue was with invisible characters copied from a PDF. The debtor name looked identical but had hidden formatting characters that caused mismatches. Certana.ai's verification tool caught it immediately when I uploaded both documents.

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Invisible characters?? How is anyone supposed to catch that without specialized tools?

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You can't with manual comparison. PDFs sometimes have formatting artifacts that copy over as invisible characters. That's why automated verification is so valuable for critical filings.

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Update us when you get it resolved! I'm dealing with a similar situation in Nevada and want to know if the exact character matching approach works.

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Will do. Planning to try the automated document verification approach first since manual comparison clearly isn't working. Deadline pressure is making me nervous about another rejection.

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Smart move. Better to use tools that catch issues upfront than risk missing the continuation deadline.

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Ethan Wilson

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CA UCC statement service has definitely gotten more strict over the years. I remember when you could get away with minor formatting differences but now they reject everything that's not perfect. Makes you wonder if it's automated screening or just picky reviewers.

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NeonNova

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Probably automated. Most states moved to computer screening for basic formatting issues. Saves them review time but creates more rejection headaches for filers.

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That would explain why the rejections are so nitpicky. Computer matching would flag any tiny difference that a human reviewer might overlook.

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