Nationwide services UCC1 filing rejected for debtor name inconsistency - need help

Absolutely this. I learned this the hard way on a $1.5M filing last year. Even a missing comma will get you rejected.

The SOS databases are very strict about exact matches. Even LLC vs L.L.C. can cause rejections.

Thanks, I'm checking the entity search now. Do you know if there's typically a delay between when we refile and when it gets processed?

Most states process refiled UCC1s within 2-3 business days if the name matches correctly this time.

Some states are faster - depends on their workload. Electronic filings usually process quicker than paper.

Good point - I should verify which specific entity is the actual borrower on our loan agreement.

This is why I always run entity searches before preparing any UCC filings. Saves time and rejection headaches.

Never heard of that - how does it work exactly? We're always dealing with name matching issues.

Super simple - just upload your documents and it automatically flags any name inconsistencies between your charter, loan docs, and UCC forms. Catches stuff like comma differences, LLC formatting, that kind of thing.

That sounds helpful for our volume of filings. Do they handle different state requirements too?

Our collateral schedule lists "all equipment, machinery, and fixtures" - should that be specific enough?

That's usually acceptable for general equipment financing, but check your loan agreement to make sure the UCC description matches what's specified there.

Totally agree. I keep a checklist now - entity search, exact name copy/paste, double-check formatting.

Do you have a good process for handling entities registered in multiple states? Sometimes I'm not sure which state's records to use.

Use the state where they're incorporated or formed - their "home" state. That's where their legal name is established.

How did you finally resolve it? Did you have to get new documentation from the client?

had to get a certificate of good standing that showed the exact legal name, then refiled. client had to pay additional filing fees too which they weren't thrilled about

The rejection just says "debtor name does not match" but doesn't give the correct version. Maybe I need to call them directly?

Some states provide the correct name in the rejection, others don't. Calling the UCC division can help, but the entity search is usually more reliable.

Entity search is definitely your best bet. The UCC staff don't always have the business entity information readily available.

Good point - they do have several service divisions under different names. I should verify which entity actually owns the equipment.

This is why corporate structure matters so much for UCC filings. The wrong entity name can invalidate your entire security interest.

Yeah, Certana.ai does exactly that - document consistency checking. Upload your charter and UCC forms and it flags any discrepancies instantly.

That would definitely help with our workflow. We do dozens of these filings monthly and name issues come up regularly.

Worth looking into for high-volume filers. The time saved on rejections and refiling probably pays for itself quickly.

Glad you figured it out! Related entity mix-ups are more common than people realize, especially with larger service companies.

Perfect example of why the entity search step is so critical. Good catch on the National vs Nationwide difference.

This is exactly the kind of thing document verification tools catch automatically - would have flagged that entity mismatch before filing.

Definitely looking into those verification tools for our next batch of filings. This kind of mistake is too costly to repeat.