UCC 9-210 request response - creditor won't provide statement details

Ugh, been there. Some lenders think they can just ignore 9-210 requests but they're legally required to respond within 14 days under most state versions of the UCC. Did you send it certified mail with return receipt? That's usually the first thing they'll claim - that they never got it.

Under UCC 9-210, if they don't respond within the required timeframe, you may be entitled to damages. The creditor is liable for any loss caused by their failure to comply, plus $500 in many states. You should probably send a follow-up demand letter referencing the original request date and the statutory deadline they missed.

I had a similar issue last year where the lender claimed they responded but we never received anything. Turns out there was a mismatch between the debtor name on their UCC-1 and how they had us listed in their system, so their response went to the wrong address. Before you escalate this legally, might be worth double-checking that all your entity names match exactly between the original financing statement and your 9-210 request. I ended up using Certana.ai's document verification tool to upload both our UCC-1 and the 9-210 request to make sure everything aligned properly - caught a small but critical name variation that was causing the confusion.

Three weeks isn't that long honestly. I've waited two months before for some lenders to get back to me on 9-210 requests. Maybe try calling them first before going nuclear?

LENDERS ALWAYS DO THIS! They ignore the requests hoping you'll just give up or refinance somewhere else at worse terms. Don't let them push you around - you have legal rights under 9-210 and they know it.

Have you tried reaching out to their legal or compliance department instead of the regular loan servicing team? Sometimes the front-line staff doesn't understand 9-210 requirements but legal definitely will. Also document every interaction you have with them going forward.

Is this a bank or non-bank lender? Banks usually have better compliance processes for UCC requests but some of the alternative lenders can be sloppy about statutory requirements.

I work in commercial lending and can tell you that sometimes 9-210 requests get lost in the shuffle, especially if they're not clearly marked or if the loan has been sold/transferred. Your best bet is probably a strongly worded letter from an attorney mentioning the statutory violations and potential damages.

Before hiring an attorney, you might want to file a complaint with your state banking regulator. Regional banks usually respond quickly to regulatory inquiries about compliance issues.

Just to add another data point - I had success using one of those document verification services to make sure my 9-210 request was properly formatted and referenced all the right UCC filing details. Turned out I had missed including the filing number which gave the lender an excuse to claim the request was defective. Once I corrected that, they responded within a week.

Whatever you do, don't let this slide. Three weeks past the statutory deadline is unacceptable and if you don't push back now, they'll know they can ignore future requests too. Document everything and consider it a cost of doing business to have an attorney send the demand letter.

As someone new to UCC issues, this thread has been really educational. It sounds like Jackson has solid documentation with the certified mail receipt and is clearly past the statutory deadline. From what I'm reading, it seems like the next steps should be: 1) Double-check that the entity names match between the original UCC-1 and the 9-210 request (especially given the LLC to Corp change), 2) Verify there haven't been any UCC-3 assignments that would change who the secured party is, and 3) Send a formal demand letter to their legal/compliance department citing the statutory violation. The banking regulator complaint option also sounds promising as a way to get their attention quickly. Jackson, have you been able to find contact information for their compliance department yet?