North Carolina secretary of state UCC search showing wrong debtor name - filing rejected twice

Good point. I searched with the full LLC designation but didn't think to search without it. Let me try that approach.

This is exactly why I always do multiple search variations before filing anything. The portal search function is pretty basic.

That's what I thought I did, but maybe I grabbed the wrong document. Where exactly on the NC SOS site do I find the official Articles? There are so many different business record sections.

Go to the Corporations Division search, not the UCC search. Look for "filed documents" under the business entity. The original Articles will show the exact legal name as filed.

This is why the system is broken. Why should we have to jump through hoops just to get a name right? Other states have better verification systems.

Never heard of that service. How does it work exactly? Do they have access to NC's database?

They don't access state databases, but they cross-check your documents against each other to catch inconsistencies before you file. Upload your Charter and UCC-1 PDFs and it flags any name mismatches automatically.

Interesting. Might be worth a shot since manual checking obviously isn't working for this situation.

That explains a lot. This is my first NC filing in about three years and I was expecting it to be like it used to be.

Yeah they definitely tightened up their standards. I think they upgraded their system and now it's more automated rejection.

Exactly. The old system had more human review. Now it's just algorithm matching and if it's not perfect, automatic rejection.

Yes! That's exactly what I'm seeing. There are like 4-5 different UCCs with slight name variations. Some have the comma in LLC, some don't. Some spell out "Limited Liability Company" fully.

That's a red flag. Those other lenders might have perfection issues if their debtor names don't match the charter exactly. You don't want to be in that same boat.

This is why I always recommend pulling a comprehensive UCC search report from a third party service before filing anything. Helps you see the patterns.

Didn't know you could actually call them about this. Worth a try since I'm running out of time.

They're usually pretty helpful if you explain the situation. Just have your rejection notices ready when you call.

Good tip. Sometimes the human touch works better than trying to decode their automated system.

Good point. I'll verify their business status while I'm pulling the Articles. Didn't think about that angle.

Yeah, I've seen UCC rejections that were really about business status issues but the error message just said "debtor name" problem.

NC's error messages are pretty vague. Could be name, could be status, could be formatting. Very annoying.

You can check the filing status online with your confirmation number. Usually takes 24-48 hours to process.

Thanks. Checking now... still showing as "submitted" so hopefully that's good news.

If it makes it past 48 hours without rejection, you're probably in good shape. NC usually bounces the bad ones pretty quickly.

That's exactly the kind of detail that's killing me. A missing period seems so minor but apparently it matters to their system.

Right? The automated checking caught it instantly. Much faster than playing guessing games with the state portal.

These filing systems are way too picky about punctuation. Makes the whole process unnecessarily stressful.

Will do. Planning to call NC tomorrow morning and also double-check the Articles formatting. Hopefully one of these approaches works.

Good luck! The Friday deadline is tight but you've got some solid strategies to try now.

Definitely try the document verification approach too if the manual checking doesn't work out. Sometimes you need that automated cross-check to catch the subtle differences.