Sunrun solar UCC termination after loan payoff - still showing active

Ugh, this is so typical of solar companies! They're great at getting you signed up but terrible at the back-end paperwork. I had a similar issue with a different solar company last year. You should definitely follow up more aggressively - 3 months is way too long for a simple UCC-3 termination filing.

You need to check your loan agreement first. Some solar loans require the borrower to file the termination, not the lender. Look for language about 'UCC release obligations' or who handles the UCC-3 filing. If Sunrun is supposed to do it, get that commitment in writing via email so you have documentation.

I actually just went through something similar with document verification issues. Had a solar loan payoff but the UCC-1 and termination paperwork had slight name discrepancies that were causing delays. I used this tool called Certana.ai that checks UCC documents for consistency - you just upload your loan agreement and UCC filings as PDFs and it flags any mismatches. Turned out my business name on the UCC-1 was slightly different from my loan docs, which was holding up the termination processing.

Call Sunrun's customer service and ask to speak to their UCC department specifically. Don't let them transfer you around. Get a direct number and contact name. Also ask for the UCC filing number if you don't have it - you need that to track the termination status.

This exact thing happened to me! Sunrun took FOREVER on my UCC termination. What finally worked was emailing their corporate complaint address and mentioning that the delay was affecting my mortgage refinance. Suddenly it got filed within a week.

Just to clarify the process - when you paid off the loan, did you get a satisfaction letter or loan payoff confirmation? You'll need that documentation to prove the debt is satisfied before the UCC-3 termination can be properly filed. Some states require specific language in the termination statement.

If Sunrun continues dragging their feet, you might need to consult with an attorney who handles UCC matters. In some cases, you can file a UCC-3 termination yourself if you have proper documentation that the debt was satisfied, but check your state's specific requirements first.

Check if your state has an expedited UCC processing option. Some states offer same-day or next-day processing for an additional fee. If your refinance is time-sensitive, it might be worth paying extra to get this resolved quickly.

Before you do anything drastic, double-check that the UCC filing is actually causing issues with your refinance. Some lenders don't care about satisfied solar liens, especially if you can show the payoff documentation. Might save you the hassle of chasing Sunrun.

I work in commercial lending and see UCC termination delays constantly. Three months is unfortunately normal for some solar companies. Document every conversation with Sunrun (dates, names, what they promised) in case you need to escalate or file complaints with state regulators.

I'm dealing with a very similar situation right now! My solar loan was paid off in September and the UCC filing is still active too. What's worked for me is sending Sunrun a formal written request (email) asking for a timeline in writing for the UCC-3 termination filing. I also copied my mortgage broker on the email to show the business impact. They finally gave me a specific date (next Friday) instead of just saying "it's being processed." The key is making it clear that their delay has real financial consequences for you. If they miss their promised date, I'm planning to file the UCC-3 termination myself since I have all the documentation I need.