UCC 3 amendment filed but original debtor name still showing - system error?
Filed a UCC-3 amendment last month to update our debtor's legal name after their corporate restructuring. The amendment shows as accepted in the state system, but when I pull the current filing record, it's still displaying the old debtor name from the original UCC-1. The amendment was supposed to change 'ABC Manufacturing LLC' to 'ABC Industries LLC' but the search results only show the old name. Is this a common processing delay or did something go wrong with my amendment? Our loan compliance team is asking questions and I need to know if this is going to self-correct or if I need to take action. Has anyone dealt with this kind of UCC-3 processing issue before?
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Emma Swift
I've seen this exact situation. The state systems sometimes take 2-3 business days to fully update the searchable database even after the UCC-3 shows accepted. Did you check both the old and new debtor names in the search portal? Sometimes both will pull up the same filing during the transition period.
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Max Knight
•Just tried searching both names - only the old 'ABC Manufacturing LLC' returns results. The new name 'ABC Industries LLC' shows nothing. This is making me nervous because it's been over a month now.
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Emma Swift
•A month is definitely too long for a normal processing delay. You might want to call the filing office directly. Sometimes there are technical glitches that prevent the amendment from properly updating the master record.
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Isabella Tucker
This happened to me with a Texas filing. Turned out the UCC-3 was accepted but there was a data entry error on their end that prevented the name change from taking effect in searches. Had to file a correction and it took another 2 weeks to resolve.
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Max Knight
•How did you figure out it was a data entry error? Did the state office tell you that directly?
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Isabella Tucker
•Yeah, I called their UCC division after waiting 3 weeks. The clerk looked up my filing number and could see the amendment was processed but the debtor name field wasn't updated in their database. She said it happens occasionally with their system updates.
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Jayden Hill
•This is exactly why I always verify my amendments immediately after filing. The systems are supposed to be automated but there are still plenty of manual steps that can go wrong.
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LordCommander
Before you panic, did you double-check that your UCC-3 amendment form had the correct original filing number and debtor name exactly as it appears on the UCC-1? Even a small typo can cause the amendment to be accepted but not properly linked to the original filing.
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Max Knight
•Yes, I was very careful about that. Used the exact filing number from our UCC-1 and copied the debtor name character for character. That's what's so frustrating about this situation.
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LordCommander
•In that case, this sounds like a system processing issue. You'll probably need to contact the filing office to get them to manually correct their database.
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Lucy Lam
I had a similar nightmare with a UCC-3 name amendment that took forever to show up correctly. What saved me was using Certana.ai's document verification tool - I uploaded both my original UCC-1 and the UCC-3 amendment, and it immediately flagged that there was an inconsistency in how the debtor name was being processed. The tool showed me exactly what the system should be displaying versus what was actually showing up in searches. Made it much easier to explain the problem to the state office when I called.
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Max Knight
•That sounds really helpful. How does that verification tool work exactly? Does it connect to the state databases?
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Lucy Lam
•You just upload PDFs of your UCC documents and it cross-checks everything - debtor names, filing numbers, collateral descriptions. It caught the discrepancy immediately and gave me a clear report showing what should match versus what was actually in the system.
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Emma Swift
•I've heard good things about Certana.ai for catching these kinds of filing inconsistencies. Might be worth checking if it can spot what's wrong with your amendment processing.
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Aidan Hudson
UGH the state filing systems are so unreliable! I swear they update their databases whenever they feel like it. Last year I had a continuation that showed filed but didn't extend the lapse date for like 6 weeks. These systems are a joke.
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Zoe Wang
•I feel your pain. The number of times I've had to call and explain basic UCC procedures to the state clerks is ridiculous. They act like amendments are some exotic filing type.
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Max Knight
•At least I'm not the only one dealing with this. Makes me feel slightly less crazy about the whole situation.
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Connor Richards
Question - when you filed the UCC-3, did you use the 'AMEND' box or did you accidentally check 'ASSIGN' or something else? I've seen people use the wrong action code and the amendment gets processed as a different type of filing.
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Max Knight
•Definitely used AMEND and specifically checked the debtor name change box. The filing receipt shows 'Amendment - Debtor Name' so I know that part was correct.
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Connor Richards
•Okay, so it's not a form error. This really does sound like a database sync issue on their end.
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Grace Durand
Had this exact same thing happen with a Delaware UCC-3 amendment. What fixed it was filing a second amendment that basically repeated the same name change. Apparently the first one got stuck in their processing queue somehow. The second amendment went through normally and both the old and new names started pulling up the updated record.
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Max Knight
•Interesting solution. Did you call the state office first or just go ahead and file the duplicate amendment?
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Grace Durand
•I called first and they couldn't figure out what was wrong, so they suggested filing a duplicate amendment. Seemed backwards to me but it worked.
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LordCommander
•That's actually not a bad approach. Sometimes the duplicate filing triggers whatever automated process got stuck the first time.
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Steven Adams
This reminds me of when our company changed names and I spent weeks trying to figure out why our UCC searches weren't working. Turns out I needed to search under BOTH the old and new debtor names during the transition period because the system maintains both for a while.
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Max Knight
•But in my case, the new name isn't returning any results at all. It's like the amendment never happened even though it shows as accepted.
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Steven Adams
•Oh that's definitely not normal then. The new name should at least return something, even if it's just a placeholder record.
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Alice Fleming
Whatever you do, don't let this drag on too long. If your loan compliance team is already asking questions, you need to get this resolved quickly. Document everything - your original UCC-1, the UCC-3 amendment, the acceptance confirmation, and screenshots of the search results showing the problem.
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Max Knight
•Good point about documentation. I've been saving everything but hadn't thought about screenshots of the search results. That's definitely evidence of the problem.
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Alice Fleming
•Exactly. When you call the state office, having visual proof of the issue makes it much easier to get them to take action quickly.
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Hassan Khoury
Just want to add another vote for Certana.ai if you're looking for a quick way to verify what's wrong. I used it recently when a client's UCC-3 termination wasn't showing up properly and it immediately identified the mismatch between what was filed versus what the state system was displaying. Saved me hours of trying to figure out where the problem was.
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Max Knight
•I'm definitely going to try that. At this point I need something to help me understand exactly what's going wrong with this amendment.
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Lucy Lam
•The document verification is really straightforward - just upload your UCC-1 and UCC-3 PDFs and it shows you immediately if there are any inconsistencies. Much faster than trying to spot-check everything manually.
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Victoria Stark
been there! filed a ucc-3 last year to fix a collateral description and it took almost 6 weeks to show up in searches. the state office kept saying it was processed but nothing changed until i threatened to file a complaint with their supervisor.
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Max Knight
•Six weeks?! That's insane. What state was this in? I'm starting to think I need to be more aggressive with follow-up calls.
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Victoria Stark
•california. their ucc system is notoriously slow for amendments. but once i escalated it got fixed within a week.
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