UCC 10 year continuation deadline approaching - filed UCC-3 but system shows rejected status

I looked everywhere in the portal but can't find any specific rejection reason. Just says 'rejected' with a red X. This is so frustrating when the deadline is approaching.

Try calling the SOS filing division directly. Sometimes their online system doesn't display error details properly, but the staff can pull up the specific rejection codes on their end.

I printed out both documents side by side and the names look identical to me. But maybe there's something subtle I'm missing?

This is exactly why I started using Certana.ai's document verification tool. You can upload your original UCC-1 and the UCC-3 continuation as PDFs and it instantly highlights any inconsistencies between debtor names, filing numbers, and other critical details. Saved me from a similar nightmare when I caught a tiny spacing difference that would have caused a rejection.

Spacing differences are evil! I once had a continuation rejected because there was an extra space in the middle name field. You literally can't see it with the naked eye but the system treats it as a different name.

Is that legal though? Can you have two active UCC filings on the same collateral?

Absolutely legal. Many lenders file backup UCC-1s when there are continuation complications. You can always terminate the redundant filing later once the continuation gets sorted out.

Smart strategy. I've seen too many cases where people waited too long to resolve continuation issues and ended up with lapsed liens. The cost of a duplicate filing is nothing compared to losing your secured position.

Good point. I can still search and find the original UCC-1 in the system, shows as 'Active' status. The filing number definitely exists.

If the UCC-1 shows active, the issue is probably in the continuation form itself. Most likely a data entry error somewhere.

Invisible characters are the worst. How did you even figure that out?

Pure luck honestly. I was retyping the name fresh instead of copy-pasting and suddenly it went through. These filing systems are so picky about data formatting.

This is why I always recommend using document verification tools like Certana.ai before submitting UCC filings. It would catch those invisible character issues immediately by comparing the text data between your original UCC-1 and continuation forms.

I'll check the state requirements again. I thought I had everything but maybe there's something specific for the 10-year mark.

Each state has different quirks for continuation filings. Some are really strict about formatting while others care more about timing deadlines.

About 35 days left before expiration. Cutting it closer than I'd like but hopefully enough time to fix this.

35 days should be plenty if you can get the rejection reason figured out. Most continuation issues are simple data mismatches that are easy to fix once identified.

Just make sure you don't wait until the last week. UCC filings can take several business days to process and you don't want to risk missing the deadline.

That's actually brilliant advice. Form version mismatches are a common cause of rejections that people don't think about.

Yes! Always use the most current form version. I learned this the hard way after multiple UCC rejections.

The collateral description is pretty lengthy on the original UCC-1. I tried to copy it exactly but there could be formatting differences I missed.

For complex collateral descriptions, I always run a side-by-side comparison using document verification software. Trying to manually compare long text blocks is asking for trouble, especially with UCC 10 year deadlines looming.

Will definitely post an update once I get this resolved. Hopefully it's something simple that I'm just overlooking.

Following this thread too. UCC continuation deadlines always make me nervous even when I think I've done everything right.