UCC 3 national form filing rejected twice - debtor name issues
Been trying to file a UCC-3 amendment using the national form to update our collateral description on a commercial loan we originated last year. The filing keeps getting rejected by our state SOS office with 'debtor name mismatch' errors even though I'm copying the exact name from our original UCC-1. This is our second rejection and we're running up against some internal deadlines. The original UCC-1 was filed as 'ABC Manufacturing Corp' but our loan docs show 'ABC Manufacturing Corporation' - could this slight difference be causing the rejections? I thought the UCC-3 national form was supposed to be more standardized across states but maybe I'm missing something. Has anyone dealt with similar name variation issues when using the national form for amendments?
31 comments
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Andre Dupont
Yes the debtor name has to match EXACTLY what's on the original UCC-1. Even Corp vs Corporation will cause rejections. You need to use the exact name from the initial filing, not what's in your loan documents. Check your UCC-1 search results to confirm the exact spelling.
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Zoe Papanikolaou
•This is so frustrating - why can't they just cross-reference business registrations automatically?
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AstroAdventurer
•That makes sense. I'll pull the original filing to double-check the exact name format.
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Jamal Wilson
The UCC-3 national form should work fine but the debtor name field is super strict. I learned this the hard way after three rejections on a continuation filing. Had to match punctuation, spacing, everything exactly. Run a UCC search first to see exactly how the name appears in the system.
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Mei Lin
•Three rejections sounds like a nightmare. How long did that delay your filing process?
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Jamal Wilson
•About two weeks total with the back and forth. Almost missed our continuation deadline.
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AstroAdventurer
•Two weeks is exactly what I'm trying to avoid here. Thanks for the heads up.
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Liam Fitzgerald
I had this exact problem last month and ended up using Certana.ai's document checker. You can upload your original UCC-1 and your draft UCC-3 and it instantly flags any name inconsistencies before you submit. Saved me from another rejection and the filing went through on the first try. Really simple to use - just upload the PDFs and it cross-checks everything.
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GalacticGuru
•Never heard of that tool but sounds useful. Do they check other fields too or just names?
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Liam Fitzgerald
•It checks debtor names, filing numbers, and document consistency across the whole form. Caught a collateral description issue I totally missed.
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Amara Nnamani
Are you filing in a state that requires the addendum page for amendments? Some states have additional requirements beyond the national form that could cause rejections.
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AstroAdventurer
•I don't think so but I'll check the state-specific requirements. The rejection notice just mentioned the debtor name issue.
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Giovanni Mancini
•Most states accept the national form but yeah some have weird addendum requirements for certain amendment types.
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Fatima Al-Suwaidi
UGH this happened to me with a termination filing. Spent hours on the phone with the SOS office trying to figure out why 'Inc.' vs 'Incorporated' was causing rejections. They finally told me their system is literal - no interpretation, no common sense, just exact matches.
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Dylan Cooper
•The system should be smarter than this in 2025. It's like they designed it to create problems.
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Sofia Morales
•I feel your pain. Had similar issues with punctuation in business names.
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StarSailor
Before you refile, also double-check the original filing number on your UCC-3. Sometimes copy/paste errors cause rejections that look like name issues but are actually filing number problems.
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AstroAdventurer
•Good point. I'll verify the filing number too just to be safe.
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Dmitry Ivanov
•Yeah filing numbers are another common rejection cause. One wrong digit and you're starting over.
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Ava Garcia
The national form is supposed to standardize this stuff but every state SOS office seems to have their own quirks. What state are you filing in? Some are notoriously picky about formatting.
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AstroAdventurer
•I'd rather not say the specific state but it's known for being particular about business filings.
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Miguel Silva
•Ah one of those states. They're probably extra strict about exact name matches then.
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Zainab Ismail
Just went through this exact scenario. Had to file a UCC-3 amendment and got rejected twice for name issues. Finally used one of those document verification tools someone mentioned earlier and it caught the problem immediately. The original UCC-1 had a comma in the business name that I was leaving out. Such a tiny detail but it was killing my filings.
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Connor O'Neill
•A comma caused two rejections? That's insane but good to know these tools can catch those details.
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Zainab Ismail
•Exactly. The verification tool showed me exactly where the names differed. Would have saved weeks of frustration if I'd used it from the start.
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QuantumQuester
Pro tip: always do a UCC search on the debtor before filing any amendment or continuation. Print or screenshot the search results showing exactly how the name appears in their system, then match it character for character.
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Yara Nassar
•This should be filing 101 but so many people skip this step and wonder why they get rejected.
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AstroAdventurer
•That's definitely my next step. Should have done this before the first filing attempt.
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Keisha Williams
At least UCC-3 amendments are usually processed faster than initial filings once they're accepted. Hope you get it sorted out quickly.
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AstroAdventurer
•Thanks, fingers crossed the third time's the charm once I fix the name issue.
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Paolo Ricci
•Good luck! These name matching issues are such a pain but at least the fix is straightforward once you know what's wrong.
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