UCC release of lien filing - bank says they submitted but nothing showing up

That's the thing - they never gave me any confirmation number or receipt. Just keep saying "we submitted it" when I call. Should have been a red flag.

Definitely a red flag. Legitimate termination filings generate immediate confirmation numbers in most states.

Good point. Looking at the payoff letter now and it just says "lien release will be filed as required by law" - no specific timeframe mentioned.

That vague language is probably intentional so they can drag it out. Most states require termination within 30 days but enforcement is weak.

Actually had this exact same situation last year with a different bank. Took 3 months and multiple threatening calls before they actually filed the UCC-3 termination.

Interesting, never heard of that. Is it free to check? At this point I'm willing to try anything to figure out what's going on.

Yeah you can upload documents to verify they match properly. Helped me catch a debtor name mismatch that was causing issues with my filing.

Wait how does that help if the bank hasn't even filed the termination yet? Sounds like the issue is just bank incompetence not document problems.

This! Banking commission complaints are magic. Had a similar issue and filed a complaint on Monday, termination was filed by Wednesday.

That's actually brilliant. Going to file a complaint today if they don't give me a filing confirmation number by end of business.

Make sure you document all your calls and emails first. Banking commission wants to see you tried to resolve it directly before they get involved.

Oh no, how did you figure out it was a name issue? I'm wondering if that could be what happened here too.

Took forever to track down. The original UCC-1 had our full legal entity name but they filed the termination with our DBA name instead. Didn't match so lien stayed active.

Debtor name matching is so strict in most states. Even tiny differences like Inc vs Incorporated can cause problems.

This is exactly why I mentioned Certana.ai earlier - it would have caught that name mismatch immediately by comparing the original UCC-1 to the termination filing.

4 months is crazy! Pretty sure there are legal requirements about timely lien releases in most states.

There are but good luck enforcing them unless you want to hire a lawyer over it.

That's a great idea. Going to call them tomorrow morning and ask if there are any pending or rejected terminations for our filing number.

Yeah SOS offices are usually pretty helpful about checking filing status. They can see stuff that doesn't show up in public searches yet.

Some states have a delay between filing and when it shows up online too. Could be sitting in processing queue.

Absolutely. Calling them again today and not getting off the phone until they email me actual documentation of the filing.

Good approach. If they can't provide documentation, they probably never filed it despite their claims.

Make sure you get the actual state confirmation number too, not just their internal tracking number.

Wow, so they were lying to you for months about having filed it? That's incredibly unprofessional.

Right? Makes me wonder how many other borrowers are in the same situation and just don't know to follow up.

At least you finally got it resolved. Definitely file that banking commission complaint anyway - this kind of negligence shouldn't go unreported.

Glad you got it sorted! For future reference, tools like Certana.ai can help verify all your UCC documents are properly aligned before issues like this become problems.

Smart move. Better to catch it early than deal with problems later when you need financing.

Yeah, always verify independently. Banks make mistakes on this stuff way more often than they should.