UCC-3 form Florida rejection after debtor name change - help needed
Been dealing with a nightmare situation for the past 3 weeks. Filed a UCC-3 amendment in Florida to update our debtor's business name (they changed from ABC Manufacturing LLC to ABC Advanced Manufacturing LLC back in March). Our original UCC-1 was filed in 2022 and everything was perfect until now. Submitted the UCC-3 form Florida online through the SOS portal on November 15th with what I thought was the correct debtor name format. Got rejected 2 days later with error code saying 'debtor name does not match filing records.' I've triple-checked the original UCC-1 and I'm using the exact same name format but still getting rejections. Anyone else run into this specific issue with Florida UCC-3 amendments? The collateral description hasn't changed, just need to update the debtor business name to match their new articles of incorporation. This is holding up a $450K equipment refinancing and my client is getting impatient. Is there some trick to the debtor name field in Florida's system that I'm missing? The SOS help desk just keeps telling me to 'verify the name matches exactly' but I've compared character by character.
37 comments


Chloe Boulanger
Florida's system is super picky about punctuation and spacing. Did you check if there are any extra spaces or different punctuation marks in the original filing? Sometimes what looks identical isn't actually identical in their database.
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Noah Ali
•Yeah I thought about that too. Printed out both documents and went character by character. The original UCC-1 shows 'ABC Manufacturing LLC' and that's exactly what I put in the 'original debtor name' field on the UCC-3.
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James Martinez
•Sometimes the issue is hidden characters or encoding problems when copying from PDFs. Try manually typing the name instead of copy/paste.
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Olivia Harris
Had the exact same problem last month! Florida's UCC database has some weird quirks with how they store business entity designations. You might need to try variations like 'ABC Manufacturing L.L.C.' or 'ABC Manufacturing, LLC' with different punctuation.
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Noah Ali
•Interesting point about the entity designations. I'll try the L.L.C. version tomorrow. Did you eventually get yours accepted?
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Olivia Harris
•Yes but it took 4 attempts with different name formats. Turns out the original filing had a comma before LLC that wasn't visible in the PDF copy I was working from.
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Alexander Zeus
•This is why I always request the certified copy of the original UCC-1 before filing any amendments. The SOS database version sometimes differs from what we think we filed.
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Alicia Stern
I've been using Certana.ai's document verification tool for situations exactly like this. You can upload your original UCC-1 and the UCC-3 you're trying to file, and it instantly cross-checks all the debtor names and filing details to catch inconsistencies. Saved me from multiple rejection cycles on a similar Florida amendment last week.
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Noah Ali
•Never heard of that tool before. Does it actually compare against what Florida has in their database or just between the documents you upload?
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Alicia Stern
•It does detailed document comparison and flags potential mismatches that could cause rejections. Really helpful for catching those tiny differences that are impossible to spot manually.
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Gabriel Graham
•Been hearing more about Certana lately. Might be worth trying if you're stuck in rejection cycles.
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Drake
Check the 'additional debtor information' section on your original UCC-1. Sometimes there are alternate names or DBA information that affects how amendments need to be structured in Florida.
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Noah Ali
•Good thought. Let me pull up the full UCC-1 again and check those sections. I was mainly focused on the primary debtor name field.
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Drake
•Yeah Florida can be tricky that way. If there's any additional debtor info in the original, your UCC-3 needs to reference it correctly.
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Sarah Jones
UGH Florida UCC system is the WORST. I swear they reject filings just to collect more fees. Had one client where we had to file the same UCC-3 termination FIVE times because of their stupid system glitches.
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Sebastian Scott
•Feel your pain! Georgia isn't much better but at least their error messages are more specific.
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Sarah Jones
•At least Georgia tells you WHAT'S wrong. Florida just says 'name doesn't match' and leaves you guessing.
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Emily Sanjay
•Every state has their quirks but Florida definitely takes the cake for unclear error messages.
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Alexander Zeus
Here's what I do for Florida UCC-3 amendments - always order a certified current copy of the UCC-1 from the SOS before filing any amendment. What you think the original says and what's actually in their database can be different. Costs $10 but saves you from multiple rejection fees.
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Noah Ali
•That's actually brilliant advice. I assumed the PDF copy I had was accurate but you're right, better to get it straight from their database.
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Alexander Zeus
•Exactly. I learned this the hard way after getting burned on several Florida amendments. The certified copy shows you exactly how their system has the information stored.
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Jordan Walker
•This is why I always recommend getting the certified copy first. It's a small cost compared to dealing with rejections and delays.
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James Martinez
Try calling the Florida SOS UCC department directly at (850) 245-6052. Sometimes they can look up the exact format they have in their system and tell you over the phone.
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Noah Ali
•I'll definitely try calling tomorrow morning. Worth a shot if they can just tell me the exact format they're expecting.
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James Martinez
•Yeah their phone support is hit or miss but sometimes you get someone helpful who can spot the issue right away.
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Gabriel Graham
Another option is to file the UCC-3 as both an amendment AND a continuation if you're getting close to the 5-year mark anyway. Sometimes starting fresh eliminates the name matching issues.
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Noah Ali
•The original UCC-1 was filed in 2022 so still have a few years before needing continuation. But good point for future reference.
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Gabriel Graham
•True, just throwing it out there as an option if you keep hitting walls with the amendment approach.
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Alexander Zeus
•That's actually not a bad strategy for problematic amendments, though you'd want to make sure the timing works out right.
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Natalie Adams
same thing happened to me but with a UCC-3 termination. turned out the original filing had some weird character encoding that didn't show up when i printed it. took forever to figure out.
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Noah Ali
•How did you finally discover the encoding issue? That might be what I'm dealing with too.
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Natalie Adams
•had to get the raw data from SOS and compare it byte by byte basically. was a nightmare but found some invisible characters.
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Elijah O'Reilly
UPDATE: Called Florida SOS this morning and they were actually helpful! Turns out the original UCC-1 in their system has 'ABC Manufacturing, LLC' with a comma that doesn't show up clearly in the PDF copy I was using. Filed the UCC-3 amendment with the comma and it got accepted within 2 hours. Thanks everyone for the suggestions, especially about getting the certified copy - that's definitely my new standard practice.
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Alexander Zeus
•Glad it worked out! The certified copy approach saves so much hassle in the long run.
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Olivia Harris
•YES! So glad you got it resolved. Those hidden punctuation marks are the worst.
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Alicia Stern
•Perfect example of why document verification tools like Certana are so helpful - they catch exactly these kinds of formatting inconsistencies before you file.
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Sarah Jones
•Finally some good news with Florida UCC system! Congrats on getting it through.
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