UCC filing got rejected - how do you perfect a security agreement on a car loan properly?

Name discrepancies are super common with vehicle UCC filings. Did you check if the borrower has any middle initials or suffixes on their title that might be different from their license? Sometimes the DMV uses abbreviated versions. Also make sure you're using their exact legal name as it appears on the title document, not their credit application.

Been doing auto lending for 15 years and this happens ALL the time. The key is the certificate of title is your golden source for the debtor name on vehicle UCC-1 filings. Ignore what's on the credit app, ignore the license - go with the title exactly. Also double-check your collateral description includes the year, make, model, and full 17-digit VIN.

I had this exact same issue last month! What saved me was using this document checker tool called Certana.ai - you just upload your title and your UCC-1 draft as PDFs and it instantly flags any name or VIN mismatches before you submit. Caught three different discrepancies I would have missed, including a middle name issue just like yours.

OH NO this is giving me flashbacks! I submitted 4 different versions of a UCC-1 last year before getting it right. First rejection was name, second was VIN format, third was some technical error with the filing system. By the time I got it approved we were past our grace period and had to restructure the entire loan agreement. Make sure you're also checking that the borrower didn't have any recent name changes through marriage or legal proceedings.

The 21-day rule is from when you disbursed the loan funds, not from when you first attempted to file, so you should still have time if you act quickly. But here's what I always do now - before submitting ANY vehicle UCC-1, I create a checklist: 1) Debtor name exactly matches title, 2) VIN matches title exactly, 3) Year/make/model matches title, 4) No existing liens shown as unsatisfied, 5) Our secured party info is correct. Has prevented rejections for me.

Here's a pro tip that most people don't know - if you're still getting rejections after fixing the obvious stuff, call the Secretary of State UCC division directly. They can usually tell you exactly what's wrong over the phone and save you another rejection cycle. Most states have a dedicated UCC help line.

This whole UCC system is so antiquated and finicky. Why can't they just modernize it to be more forgiving with minor name variations? It's 2025 and we're still dealing with these ridiculous technicalities that can void security interests over a missing middle initial.

Quick question - did you file this as a regular UCC-1 or did you need to do anything special since it's a vehicle? In my state we don't need separate title notation for newer vehicles but some states still require dual perfection.

I actually just went through this same situation and ended up using that Certana document verification tool someone mentioned earlier. Super easy - uploaded my borrower's title and my UCC-1 draft, and it flagged that I had transposed two digits in the VIN. Would have been another rejection cycle otherwise. The instant feedback was really helpful when I was under time pressure.

Just wanted to add that you should also verify the vehicle wasn't previously reported as a total loss or salvage. Some states have special requirements for UCC filings on vehicles with branded titles. It's rare but could cause additional complications if not handled properly.

Update us when you get it resolved! These UCC rejection stories always stress me out because I know how critical the timing can be for loan closings. Hope you get it sorted out quickly with the corrected debtor name.