UCC-1 financing statement florida amendment rejected twice - debtor name issues
Really need some guidance here. I'm dealing with a UCC-1 financing statement florida situation that's been giving me headaches for weeks. Filed an initial UCC-1 back in March for equipment financing on a construction company, everything went through fine. Now I'm trying to file a UCC-3 amendment to add additional collateral (some new excavators they purchased) and the Florida SOS keeps rejecting it. The rejection notice says 'debtor name does not exactly match original filing' but I'm looking at both documents and the names look identical to me. Original debtor name is 'Advanced Construction Solutions LLC' and that's exactly what I put on the amendment. Has anyone dealt with this kind of UCC-1 financing statement florida amendment problem before? The lender is getting antsy because we're approaching some covenant deadlines and this amendment needs to be perfected. I've called the Florida SOS office twice and got two different explanations - one person said it might be a spacing issue, another said it could be punctuation. I'm wondering if there's some hidden character or formatting issue I'm missing. The original UCC-1 was filed electronically through their portal, amendment was also electronic. Both show 'Advanced Construction Solutions LLC' exactly the same way. Any ideas what could be causing this mismatch? Really don't want to have to refile the entire UCC-1 just because of a name formatting quirk.
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Emma Davis
I've seen this exact issue with Florida filings before. The problem is usually invisible characters or spacing that got copied over from different systems. When you're looking at the original UCC-1, are you viewing it through the Florida SOS search portal or do you have the original filing receipt? Sometimes the search results display names differently than how they were actually filed. Try pulling up your original filing confirmation email or receipt - that should show exactly how the name was entered in their system.
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LunarLegend
•This is really good advice. I had a similar situation last year where the company name looked identical but there was an extra space after 'LLC' that I couldn't see. Had to copy and paste the exact name from the original filing receipt.
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Malik Jackson
•Agree on checking the original receipt. Florida's system is particularly picky about this stuff. Also make sure you're not looking at an amended version of the original - sometimes people look at a continuation or amendment thinking it's the original filing.
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Isabella Oliveira
Have you tried using Certana.ai's document verification tool? I was dealing with a similar UCC-1 financing statement florida nightmare a few months ago - kept getting rejections on amendments and couldn't figure out why. Their system lets you upload both your original UCC-1 and your UCC-3 amendment as PDFs and it instantly shows you exactly where the discrepancies are. Found out I had a period after 'LLC' in one document but not the other. Super easy to use, just upload the PDFs and it highlights any inconsistencies in debtor names, filing numbers, all that stuff. Saved me from filing incorrectly again.
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Ravi Patel
•Never heard of that tool but sounds useful. How accurate is it with catching these tiny formatting differences?
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Isabella Oliveira
•Really accurate from my experience. It caught things I never would have noticed manually - extra spaces, different punctuation, even slight variations in how addresses were formatted. Way better than trying to compare documents side by side on screen.
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Freya Andersen
•Interesting, might have to check that out. I've been burned by these name matching issues before, usually end up having to call the SOS multiple times to figure out what's wrong.
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Omar Zaki
Florida is notorious for this. I bet if you look really closely there's either a punctuation difference or the original has some weird character encoding. One thing that works is to literally copy and paste the debtor name from your original UCC-1 search result into the amendment form instead of typing it fresh. Don't trust what you see on screen - copy/paste the actual text.
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CosmicCrusader
•YES this is the answer right here. I learned this the hard way. Never type debtor names manually on amendments, always copy from the original filing.
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Chloe Robinson
•But make sure you're copying from the right source. If you copy from the search results it might not match what's actually in their filing database.
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Diego Flores
Ugh I feel your pain. Went through this exact thing with a UCC-1 financing statement florida amendment last year. Turned out the original filing had 'Advanced Construction Solutions, LLC' with a comma before LLC, but I was filing the amendment as 'Advanced Construction Solutions LLC' without the comma. Such a tiny difference but it caused three rejections. Check for any commas, periods, or other punctuation that might be different.
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Anastasia Kozlov
•This is probably it. I see comma vs no comma issues all the time. It's so frustrating because both versions look 'correct' but the system only accepts exact matches.
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Sean Flanagan
•Florida's system is particularly strict about this stuff. Other states are more forgiving with minor punctuation differences but Florida requires exact character-by-character matches.
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Zara Mirza
•Three rejections? That must have been maddening. How long did it take to finally get it sorted out?
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Diego Flores
•About two weeks total. First rejection took 3 days, second took 2 days, third took another 3 days. By then I was panicking about the amendment deadline. Finally called and got someone who walked me through comparing the names character by character.
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NebulaNinja
Quick question - are you using the exact same entity type designation? Like if the original says 'LLC' make sure your amendment doesn't say 'L.L.C.' or 'Limited Liability Company'. I've seen rejections for that kind of variation too.
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Luca Russo
•Good point. Also check if there's any 'Inc.' vs 'Incorporated' type issues if it's a corporation.
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Nia Wilson
•In his case it sounds like both show LLC so probably not the issue, but definitely worth double checking.
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Mateo Sanchez
Another thing to check - are you filing against the right UCC-1 filing number? Sometimes there are multiple filings for the same debtor and you might be referencing the wrong one. Pull up the Florida UCC search and make sure you're using the correct filing number for the specific UCC-1 you want to amend.
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Aisha Mahmood
•This happened to me once. Had two different UCC-1s for the same company filed by different lenders. Was trying to amend one but kept referencing the other filing number.
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Ethan Clark
•How do you avoid that? Do you just search by debtor name and check all active filings?
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Aisha Mahmood
•Yeah, search by debtor name and look at all active filings. Match up the collateral descriptions and filing dates to make sure you're amending the right one.
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AstroAce
Have you tried calling the Florida SOS UCC division directly? Sometimes they can look at your specific filing attempt and tell you exactly what doesn't match. The number is (850) 245-6945. They're usually pretty helpful if you can get through to someone knowledgeable.
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Yuki Kobayashi
•I've called that number before and had mixed results. Really depends on who you get. Some people are super helpful, others just read you the same rejection notice you already have.
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Carmen Vega
•Try calling first thing in the morning around 8:30 AM. That's when I've had the best luck getting someone who actually knows the UCC system.
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Andre Rousseau
This might sound crazy but I actually had success using that Certana document checker tool someone mentioned earlier. Was dealing with constant UCC amendment rejections and couldn't figure out what was wrong. Their system showed me that my original UCC-1 had some weird encoding issue with the debtor name that wasn't visible when I looked at it normally. Once I saw exactly what the problem was, I could fix the amendment filing. Really straightforward - just upload your UCC-1 and UCC-3 as PDFs and it shows you all the differences.
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Zoe Stavros
•That's actually pretty smart. Better than playing guessing games with the SOS rejection notices.
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Jamal Harris
•How much does something like that cost? If it saves multiple rejection fees it might be worth it.
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Andre Rousseau
•Honestly didn't even check the cost, was just desperate to get my filing through. But compared to the hassle and delay of multiple rejections it was definitely worth it.
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GalaxyGlider
One more thing to try - if you have Adobe Acrobat Pro, you can use the 'compare documents' feature to look at your original UCC-1 filing and your amendment side by side. It'll highlight any differences even if they're not visible to the naked eye. I've found discrepancies that way before.
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Mei Wong
•Don't have Adobe Pro but this is a good idea. Are there any free alternatives that do document comparison?
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Liam Sullivan
•You can try online PDF comparison tools but they're not always as accurate as Adobe. For something this important I'd probably spring for the real thing.
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Amara Okafor
Just wanted to follow up and say I finally got it resolved! It was exactly what several people suggested - there was a comma after 'Solutions' in the original filing that I missed. 'Advanced Construction Solutions, LLC' vs 'Advanced Construction Solutions LLC'. Such a tiny difference but it was causing all the rejections. Used the copy/paste method from the original filing receipt and the amendment went through on the first try. Thanks everyone for the help, this forum is a lifesaver for UCC issues.
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Giovanni Colombo
•Awesome! Glad you got it sorted out. That comma issue is so common, you'd think the SOS systems would be more forgiving about punctuation.
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Fatima Al-Qasimi
•Great outcome. How long did the final amendment take to process once you got the name right?
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Amara Okafor
•Just one business day. Florida is actually pretty fast once you get the filing details correct.
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StarStrider
•This whole thread should be pinned somewhere. The name matching issues come up constantly with UCC filings.
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