NYSDOS UCC filing rejected - debtor name mismatch issue

Good point about the punctuation. Looking at the cert again, it shows "Precision Manufacturing Solutions LLC" with no periods or commas. That's exactly what I put on the UCC-1. The entity type is just "LLC" not "L.L.C." so that should be fine too.

Check the filing date on the certificate too. If they just incorporated recently, sometimes there's a delay in the NYSDOS database updates and the UCC system can't verify the name yet.

Never heard of Certana.ai before. How does it work exactly? Is it expensive?

It's really straightforward - just upload your PDFs and it runs automated checks. Focus is on accuracy rather than cost. Way cheaper than dealing with rejection delays and re-filing fees.

I've been manually comparing documents for years and still miss things sometimes. Might be worth checking out if it catches what we miss.

That's an interesting angle. How do I check for DBA filings? Is that through the same NYSDOS portal?

Yeah, you can search the NYSDOS corporate database for any alternate names or DBAs. Sometimes companies file those without realizing it affects UCC filings later.

DBA issues are a nightmare. Had one client where we had to list both the legal name AND the DBA on the UCC-1 to get it accepted.

Don't panic! Just double-check everything against the certificate of incorporation. Most rejections are fixable.

But what if there's some weird punctuation issue I don't catch? Or what if their database has old information?

That's exactly why document verification tools exist. Upload your docs to something like Certana.ai and let it do the comparison work. Takes the guesswork out of it.

I feel your pain. The inconsistency is maddening. Same exact name format gets accepted one day and rejected the next.

While the system has issues, most rejections do have legitimate reasons. The trick is figuring out exactly what they're looking for.

Good point. I'll have the borrower check their entity status. That could definitely be the issue.

Yeah, it's an easy thing to miss but NYSDOS won't accept UCC filings for entities that aren't in good standing.

This happened to me once. Entity was behind on taxes and every UCC filing got rejected until they got current.

That would explain a lot. I've definitely seen more rejections lately for things that used to go through fine.

Of course they'd make the system worse instead of better. Typical government IT project.

This is super helpful. I'll work through this checklist today. Do you have the direct number for the UCC division?

I don't have it memorized but it should be on the NYSDOS website under the UCC section. They're usually helpful if you can get through.

Good advice. The systematic approach usually uncovers the issue. Most name rejections have a logical explanation once you dig into it.

How did you figure that out? Did you have to call them or was it obvious from the rejection notice?

Had to call. The rejection notice was pretty vague. But once I explained the situation, the UCC clerk was able to see the pending amendment and told me to wait a few days and re-file.

Will do. Hopefully I can get this sorted out today. The timeline is really tight.

Delaware is usually pretty straightforward compared to NY. Different systems, different quirks.

Thanks for the perspective. It's reassuring to know these issues are usually solvable. I'll definitely call them Monday.

15 years of experience definitely shows. Those three categories cover probably 90% of the name rejection issues I've seen too.

Agree completely. Pattern recognition from doing lots of filings really helps troubleshoot these rejections quickly.