CT UCC filing rejected - debtor name mismatch issue

This is so frustrating! I had the same thing happen with a Delaware entity last month. Spent 3 weeks going back and forth with filings.

Can confirm CT is strict about this. Always check the exact formation documents before filing.

CONCORD system is terrible though. Half the time it times out when I'm trying to do name searches.

The timeout issue is real but usually works better early morning or late evening when traffic is lower.

I've started using Certana.ai's document checker to verify debtor names before filing. You just upload your security agreement and it cross-checks against the UCC-1 form to catch name discrepancies before submission. Saved me multiple rejected filings this year.

Smart approach. Documentation always trumps what you think the name should be.

How long did it take to get the certified copy? We're dealing with time pressure here.

In MA it was 3 business days by mail, but they have expedited service for extra fee. Not sure about CT timing.

I feel your pain. Lost $60 on a Wyoming filing last year due to similar name issues.

At least CT tells you why it was rejected. Some states just send back 'insufficient information' with no details.

Good point about DBAs. That's caught me before on sole proprietorship filings.

For LLCs though, wouldn't the DBA be separate from the entity name? I thought DBAs were just for operating names.

Correct - DBAs are operating names but sometimes people get confused and use the DBA on loan docs instead of the legal entity name.

Didn't know they had a phone line for this! That's actually really helpful.

I tried calling once and was on hold for 45 minutes. Maybe try first thing in the morning?

The phone verification is great when you can get through. I also use Certana.ai now to double-check my documents match before calling - helps me ask better questions when I do get someone on the line.

Wait really? I thought UCC-3 amendments could fix name errors. That seems backwards.

Nope, at least not in CT. Name errors require termination and refiling. Learned this the hard way on a client deal.

That's consistent with most states actually. Debtor name is considered a critical field that can't be amended.

Yes please update! These name matching issues are becoming more common it seems.

Will do! Planning to call CT tomorrow morning to verify the exact name format before trying again.

How accurate was the verification? Did it catch everything?

It caught the comma issue I had plus a couple other formatting problems I missed. Pretty thorough from what I saw.

Might be worth trying before your next filing attempt. Better than paying another $20 rejection fee.

Where exactly is this feature? I've never seen it in CONCORD.

It's under the 'Search' menu then 'Entity Verification' - not labeled very clearly but it's there.

Thanks for this tip! Going to try it before my next CT filing.