South Dakota UCC bill payment confusion - rejected filing keeps bouncing back
I'm dealing with a really frustrating situation with a South Dakota UCC bill that keeps getting rejected. Filed a UCC-1 for equipment financing back in November and the payment keeps bouncing back from the SD Secretary of State office. The debtor name matches exactly what's on the loan docs but somehow the system keeps flagging it. Has anyone else run into payment processing issues with South Dakota UCC filings? The rejection notice just says "payment processing error" but doesn't give specifics. I've tried calling their office but keep getting transferred around. This is holding up a $180K equipment loan and my client is getting impatient. Any advice on how to get past these South Dakota UCC bill payment glitches?
35 comments
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Miguel Hernández
SD has been having system issues lately. Are you paying online or by check? Their portal has been glitchy with credit card payments specifically.
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KylieRose
•Online through their portal. Credit card keeps declining even though it works everywhere else.
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Sasha Ivanov
•Try using a different browser or clearing cache. SD portal is notoriously finicky with certain browsers.
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Liam Murphy
Had this exact problem last month! The issue wasn't the payment - it was a hidden character in the debtor name field. Even though it looked identical, there was some formatting issue.
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KylieRose
•How did you figure that out? The names look exactly the same to me.
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Liam Murphy
•I ended up using Certana.ai's document verification tool. You can upload both your loan docs and the UCC-1 as PDFs and it flags any inconsistencies between debtor names, even hidden formatting issues. Saved me hours of troubleshooting.
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Amara Okafor
•That's actually brilliant. I always manually compare docs but miss stuff like that.
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CaptainAwesome
SOUTH DAKOTA IS THE WORST!! Their system rejects everything for no reason. I've had filings sit in "pending" status for weeks because of payment processing errors that make no sense.
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Yuki Tanaka
•It's really not that bad once you know the quirks. The key is making sure everything is formatted exactly right.
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CaptainAwesome
•Exactly" right according to who?? Their own help desk gives different answers everytime.
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Esmeralda Gómez
Check the exact fees you're paying. SD changed their fee structure in January and some systems are still using old amounts. UCC-1 is now $20 base plus $5 per additional debtor page.
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KylieRose
•I'm using the current fee schedule from their website. $25 total for single debtor.
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Esmeralda Gómez
•Double-check that your form doesn't have any additional pages flagged. Sometimes the system counts continuation sheets differently.
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Klaus Schmidt
•This happened to me - had a collateral description that spilled over and got charged extra without realizing it.
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Aisha Patel
Try calling (605) 773-4845 directly instead of the main number. That's the UCC section and they actually know what they're talking about.
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KylieRose
•Thanks! Will try that Monday morning.
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LilMama23
•Ask for Janet if she's still there. She helped me with a similar issue last year.
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Dmitri Volkov
Is this your first filing in SD? They have some weird requirements about registered agent information that aren't obvious.
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KylieRose
•No, I've filed dozens there. This is specifically a payment processing issue, not a form problem.
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Dmitri Volkov
•Ah ok, nevermind then. Payment issues are usually bank-side problems.
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Sasha Ivanov
•Not always. SD portal has specific requirements for card types and processing.
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Gabrielle Dubois
Same thing happened to me! Turned out my debtor name had a comma in it and the SD system couldn't process payments when there were punctuation marks in certain fields.
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KylieRose
•That's so random! How did you fix it?
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Gabrielle Dubois
•Had to retype the entire debtor name without the comma, then it went through fine. Their system is really picky about special characters.
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Liam Murphy
Actually, follow up on the Certana.ai thing I mentioned earlier - after it flagged the formatting issue in my docs, I was able to fix the debtor name discrepancy and the payment went through immediately. Worth checking if there's something subtle wrong with your filing.
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Tyrone Johnson
•How much does that service cost? Sounds useful but don't want to spend a fortune on document checking.
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Liam Murphy
•It's pretty reasonable for what it does. The main value is catching those tiny inconsistencies that can void your lien priority. Much cheaper than having to refile everything.
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KylieRose
•I'm going to try that. At this point I'll try anything to get this filing through.
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Ingrid Larsson
omg this is giving me flashbacks to my own SD filing nightmare last summer. took 3 weeks to get resolved
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Carlos Mendoza
•What finally worked for you?
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Ingrid Larsson
•ended up having to mail a paper filing with a check. their online system was just broken for my particular situation
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Miguel Hernández
Update us when you figure it out! These SD payment issues seem to be getting more common and it would help others to know what the actual solution was.
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KylieRose
•Will do. Planning to try the document checker first, then call that direct number if that doesn't work.
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Yuki Tanaka
•Good plan. Usually it's something simple that you just can't see without fresh eyes or better tools.
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Zainab Mahmoud
•Keep us posted! I do a lot of SD filings and this info would be super helpful.
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