UCC financing statement oklahoma debtor name rejection - need help ASAP
Been dealing with a nightmare situation for the past week. Filed a UCC-1 financing statement in Oklahoma and it got rejected twice now for debtor name issues. The borrower is an LLC and I'm getting conflicting info about whether to use the exact charter name or if there's some variation allowed. First rejection said 'debtor name does not match charter records' but when I pulled the charter from SOS it looks identical to what I filed. Second attempt used the EXACT name from the charter including punctuation and still got bounced back. Has anyone dealt with Oklahoma's system recently? The loan closes Friday and I'm running out of time. Is there some hidden requirement I'm missing with LLC names in Oklahoma? The collateral is commercial equipment so this can't lapse or we're looking at serious issues with our lender agreement.
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Amara Adebayo
Oklahoma can be really picky about LLC names on UCC filings. Did you check if there's a period after LLC in the charter vs your filing? Sometimes it's literally that simple but the system kicks it back anyway.
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PixelWarrior
•I thought I was being super careful about punctuation but let me double check that. The charter shows 'ABC Equipment Leasing, LLC' and that's exactly what I put on the UCC-1.
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Giovanni Rossi
•Also check for any trailing spaces in the name field. I've seen filings get rejected for invisible characters at the end of the debtor name.
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Fatima Al-Mansour
Had this exact problem in Oklahoma last month! Turns out their system is super sensitive to any kind of name variation. What I ended up doing was using Certana.ai's document checker - you upload both the charter and your UCC-1 as PDFs and it instantly flags any discrepancies between the documents. Found out I had an extra space that wasn't visible in the form field.
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PixelWarrior
•Never heard of that service but at this point I'm willing to try anything. How quick is the turnaround on the document check?
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Fatima Al-Mansour
•It's instant - literally upload the PDFs and get the comparison results immediately. Really saved me from a third rejection.
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Dylan Evans
•I use Certana for all my UCC document verification now. The Charter→UCC-1 check workflow is perfect for catching these name matching issues before filing.
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Sofia Gomez
Oklahoma's UCC system updated their name matching algorithm about 6 months ago and it's been causing issues ever since. They're way more strict now about exact character matches including spaces and punctuation.
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StormChaser
•This is so frustrating! Why can't they just use fuzzy matching like other states? A missing period shouldn't void a multi-million dollar security interest.
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Sofia Gomez
•I agree it's ridiculous but that's the reality we're dealing with. Better to be overly cautious with the exact name format than risk perfection issues.
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Dmitry Petrov
Check if the LLC has any assumed names or DBAs on file. Sometimes the charter shows one name but they're actually doing business under a slightly different version and that's what needs to be on the UCC-1.
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PixelWarrior
•Good point - I'll pull their assumed name records too. Didn't think about DBAs affecting the UCC filing name.
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Ava Williams
•Also worth checking if they've had any recent amendments to their charter that might have changed the exact legal name format.
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Miguel Castro
This happened to me in Oklahoma too but with a corporation. Turned out the issue was that I was using 'Inc.' but the charter actually said 'Incorporated' spelled out. Oklahoma doesn't treat these as equivalent like some other states do.
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Zainab Ibrahim
•That's such a pain. Every state has their own quirks with entity suffixes. At least with Texas you know it's going to be picky, but Oklahoma seemed more reasonable until recently.
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Miguel Castro
•Exactly! Used to be much more forgiving. Now it's like they're trying to compete with Delaware for most restrictive name matching.
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Connor O'Neill
Have you tried calling Oklahoma SOS directly? Sometimes they can tell you exactly what's causing the rejection instead of the generic error message.
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PixelWarrior
•Tried calling but got put on hold for 45 minutes and gave up. Might try again tomorrow morning first thing.
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LunarEclipse
•Early morning calls usually work better. Try right when they open at 8am.
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Yara Khalil
Quick question - are you filing through their online portal or submitting paper forms? The online system seems to have stricter validation than paper filings.
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PixelWarrior
•Using the online portal. Don't have time for paper filing with the Friday deadline.
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Keisha Brown
•The online portal definitely has more rigid name checking. But paper takes forever to process so you're stuck with digital for a quick turnaround.
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Paolo Esposito
This is why I always run documents through verification tools before filing now. Had too many rejections from stupid formatting issues. Certana's UCC document checker has saved me multiple times from these exact Oklahoma name matching problems.
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Amina Toure
•How reliable is that service? I'm always skeptical of third-party tools for legal document verification.
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Paolo Esposito
•It's been accurate for me so far. Just compares the actual text in your documents to flag discrepancies. Better than doing manual side-by-side comparisons.
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Oliver Weber
Whatever you do, don't try to 'fix' the name by making it more generic. Oklahoma requires the exact charter name and any deviation will cause issues down the road even if it initially gets accepted.
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FireflyDreams
•This is crucial advice. Better to get rejected and fix the actual issue than have a defective filing that causes problems later.
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PixelWarrior
•Yeah I definitely don't want to create future problems just to get past this immediate deadline. Need to get this right.
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Natasha Kuznetsova
Update us when you figure it out! I'm dealing with a similar Oklahoma LLC filing next week and would love to know what the actual solution was.
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PixelWarrior
•Will definitely post an update once I get this resolved. Hopefully by tomorrow afternoon.
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Javier Morales
•Following this thread too. Oklahoma has been giving me headaches lately with their picky system.
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