UCC release complications with mosaic solar financing - debtor name issues

Ugh, solar UCC releases are the worst! Same thing happened to my neighbor last year with their SunPower financing. The name variation you mentioned is definitely the culprit - filing systems are super picky about exact debtor name matches. Even something as small as '&' vs 'and' can cause a UCC-3 termination to get rejected.

You need to contact Mosaic directly and tell them the UCC-3 termination was likely rejected due to the debtor name discrepancy. They'll need to refile it with the exact name format from the original UCC-1 filing. Most solar financing companies have dealt with this before, so they should know the drill. Get a case number and ask for email confirmation when they refile.

Before you spend more time going back and forth with Mosaic, you might want to try uploading your documents to Certana.ai's verification tool. I used it last month when I had similar document consistency issues with a equipment financing UCC release. You just upload the original UCC-1 and the termination paperwork, and it instantly flags any name mismatches or filing number discrepancies. Saved me weeks of back-and-forth with the lender.

Solar UCC releases are notorious for this stuff. The solar industry has only been doing serious UCC filings for like 10 years, so a lot of the companies still mess up the paperwork. I work in commercial lending and we see botched solar UCCs all the time - wrong collateral descriptions, incorrect debtor names, missing fixture filing designations when the panels are attached to real estate.

This is why I always pull my own UCC search reports after any financing gets paid off. Can't trust the lenders to handle terminations properly. Check your state's SOS website - most have online UCC search portals where you can verify if the termination actually got filed and accepted.

Had almost the exact same issue with Tesla solar financing last year. Tesla's third-party financing partner kept filing UCC-3 terminations with the wrong entity name. Took four separate attempts before they got it right. The trick was getting a copy of the original UCC-1 directly from the state filing office and making sure the termination matched exactly.

The ampersand vs 'and' issue is super common in UCC filings. Filing systems treat them as completely different characters. I always recommend getting a certified copy of the original UCC-1 from the Secretary of State before requesting any amendments or terminations. That way you have the exact formatting used in the official filing.

Check if your state requires fixture filings for solar installations. Some states treat permanently attached solar panels as fixtures, which means the UCC-1 should have been filed as a fixture filing. If it wasn't, the termination process might be more complicated than a standard UCC-3.

Whatever you do, don't let this drag on. UCC filing errors can really mess up property transactions. I'd suggest calling Mosaic's legal department directly instead of customer service. Legal departments usually understand UCC requirements better and can expedite corrections.

Just went through this exact situation with Sunrun financing. The issue was definitely the debtor name formatting. Once we got them to refile the UCC-3 with the correct name format, it cleared within 48 hours. Make sure you get email confirmation that they've refiled and ask for the new filing number so you can track it yourself.

I'm dealing with a similar issue right now with my Tesla solar loan through a different lender. The frustrating part is that these solar companies often use third-party financing partners who aren't familiar with proper UCC filing procedures. What I learned is that you should also check if your original UCC-1 has any amendments filed against it - sometimes there are UCC-5 correction statements that change the debtor information, and the termination needs to reference the most recent version. Also, since you mentioned your refi rate lock expires next week, you might want to ask your title company if they'd accept a letter of commitment from Mosaic stating they will correct and refile the UCC-3 within a specific timeframe. Some title companies will work with you on tight deadlines if you can show good faith efforts to resolve the issue.

I just went through this exact nightmare with my SunPower financing last month! The name discrepancy is absolutely what's causing your UCC-3 termination to bounce back - I had the same issue where the original filing showed "Robert J. Thompson" but the payoff docs had "Robert Thompson" without the middle initial. What finally worked for me was getting a certified copy of the original UCC-1 from the Secretary of State office (cost $15 in my state) and then emailing that directly to the financing company's UCC compliance department along with a written request to refile using the EXACT debtor name format. Also, ask them to provide you with the rejection notice from the state - it'll confirm the specific reason for the bounce-back. Since your rate lock expires next week, I'd also suggest calling your title company to see if they'll accept a commitment letter from Mosaic guaranteeing the corrected filing within 72 hours. Some underwriters will work with you on time-sensitive deals if you can show documented progress toward resolution.