Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/22/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  BE AWARE of FleetSmart!
  We attempted to sign with another factoring company and were told we couldn’t because FleetSmart had already filed a UCC against us without our consent. They claim to have a recorded conversation where we supposedly agreed, but that’s a lie. On the call, my husband clearly stated he did not want to move forward, yet the agent continued to push.
  
  We have never signed anything or done any business with FleetSmart, yet they’re demanding $500 and a 45-day wait just to release us.
  
  This is shady and possibly fraudulent. They twisted a casual “yes” into supposed consent so don’t even respond to their small talk.
  
  We’re currently looking into fraud claims. There is power in numbers, and we need to come together and hold them accountable for their dishonest business practices.

  Business Response

  Date: 07/23/2025

  Hi,
  
  Thank you for your message.
  
  In order for us to properly locate your account and review the details of your concern, may we kindly ask you to provide the legal business name associated with your company?
  
  This will help us verify any records or filings and assist you more efficiently.
  
  We look forward to your response.

  Customer Answer

  Date: 07/23/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23639324, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  **** *******

• Initial Complaint

  Date:07/15/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company called me several times offering their services and products. During our phone conversation, they offered factoring services, fuel cards, and loan options. I informed them to send the information via email so I could look over it and I would respond via email if we wanted to sign up with their company. After researching, we decided not to sign up due to all of the bad reviews. We continued to search for other factoring companies. While signing up with another factoring company I was informed that Fleetsmarts had filed a UCC-1 form against our company. I immediately contacted Fleetsmarts and demanded that they remove the lien against my company. They stated they could only remove it if I paid $500. I have made several calls and sent many emails to this company and they are refusing to remove the lien unless I pay the money. We never agreed to or authorized them to sign us up. We have never used any of their services or products. Please help me remove this lien from my company. I have submitted a letter of release but they are still refusing to remove the lien. Any assistance would be greatly appreciated.

  Business Response

  Date: 07/15/2025

  Hi,
  
  We understand your concerns and appreciate the opportunity to clarify this matter. Fleetsmarts does not file UCC-1 forms without proper authorization.
  
  Our Senior Account Specialist ****** and Account Manager Ovie spoke with you on July 1, 2025 at 2:43:18 PM for a duration of 19 minutes and 27 seconds. During this conversation, ****** explained in detail the process of opening a fuel credit line, including the UCC-1 filing:
  
  "Need to make sure that once you need the credit line in the future then we can set it up for you, OK? So we're going to send the cards out and while you're waiting for them to arrive, you're based in North Carolina, right?"
  
  You responded: "Correct."
  
  ****** continued: "OK, perfect. So in North Carolina, to open up a credit line for fuel, since we will not be doing any credit checks, we file what's called the UCC-1, which registers us with the state as a payee and allows us to open that fuel credit line for you, OK?"
  
  When you asked: "And it’s called the what?", ****** clarified: "So it’s the UCC-1. This is the notification to the Secretary of State that we will be doing business with you through the credit line in the future."
  
  After confirming that you understood, ****** further stated: "We just want to make sure this is clear since if we do business with you through factoring and potential factoring and the credit line, we need to make sure that we comply with the Secretary of State, and that is through the UCC-1, OK?"
  
  You replied: "OK."
  
  Following this call, we sent you an email with additional details about the program.
  
  We would also like to address a common misconception perpetuated by some competitors. Our UCC-1 filing does not restrict you from factoring with other companies. The filing was placed solely to open a fuel credit line for your business.
  
  Unfortunately, some factoring companies have resorted to misleading tactics, falsely claiming that Fleetsmarts prevents clients from working with other providers. This is often done in an effort to pressure customers into removing our filing so they can lock them into exclusive agreements—typically at higher rates and with fewer benefits.
  
  At Fleetsmarts, we pride ourselves on offering comprehensive solutions, including:
  
  -Fuel credit lines
  -Fuel discounts at all major truck stops
  -Insurance down payment financing
  -Equipment financing
  -Factoring services with some of the market’s lowest rates when bundled with fuel
  
  Because our programs are designed to save businesses money and improve cash flow, many legacy factoring companies see us as a threat and spread misinformation to discourage competition.
  
  We invite you to take a closer look at what Fleetsmarts truly offers. We remain committed to supporting your business with fair, transparent, and effective solutions. If you’re willing to revisit the conversation in good faith, we would be happy to discuss how we can work together and move forward constructively.
  
  

  Customer Answer

  Date: 07/15/2025

  
  
  Complaint: 23601325
  
  
  
  I am rejecting this response because:

  I never agreed to be signed up with Fleetsmarts. The response OK is simply acknowledging that a statement was heard. I informed them to send me the information via email and if agreed I will sign up via email. I didn't provide a verbal agreement to enroll into Fleetsmarts products or services. I didn't request a line of credit nor did I approve of them placing a lien against our company. This company fraudulently filed a UCC lien and I am requesting a Letter of Release and UCC termination immediately. We don't do business with scammers and Fleetsmarts has scammed hundreds of companies the same way they are trying to scam us. Hundreds of complaints have been filed against them. Please terminate UCC filing # ************ immediately and please provide a letter of Release at no charge. Fleetsmarts fraudulently placed a lien against my company and now requires $500 to remove the lien. That is a scam.

  
  Sincerely,
  
  
  
  ****** ***********

  Business Response

  Date: 07/17/2025

  Fleetsmarts does not file UCC-1 forms without proper authorization from our clients. On July 1, 2025, our Senior Account Specialist ****** spoke with you for 19 minutes and 27 seconds regarding the setup of a fuel credit line.
  
  During this conversation, ****** clearly explained that:
  
  “To open up a fuel credit line, since we do not perform credit checks, we file what is called the UCC-1 which registers us with the state as a payee and allows us to open that credit line for you, OK?”
  
  You responded: “OK.”
  
  This acknowledgment was taken as your consent to proceed with establishing the fuel credit line and filing the UCC-1, which is a standard process required to secure the line of credit.
  
  Aside from that, after you gave verbal consent to file the UCC-1, we sent you an email with additional program details. At no point did you object to the filing at that time.
  
  To further clarify: Fleetsmarts does not charge fees to remove a UCC-1 if there was an error in filing. However, in this case, the filing was made based on your verbal authorization during the recorded call. If you would like, we can provide a copy of this recording for your reference.
  
  If you still wish to terminate the UCC-1 filing, please contact us directly so we can discuss a resolution. We remain committed to working with you professionally and in good faith.

  Customer Answer

  Date: 07/17/2025

  
  
  Complaint: 23601325
  
  
  
  I am rejecting this response because I never aauthorized the

  specialist at Fleetsmarts to enroll our company into your services. I informed her to send me the information via email to allow me time to review and consent via email. She even stated i had 24 hours to respond.  I never responded to the email which implies I  didn't want the services nor products. Fleetsmart called us numerous times so we did finality listen to the specialist for 19 minutes.  Fleetsmarts is known for this type of behavior which is why I didn't respond to the email to sign up. Even with all my efforts,  I still managed to get scammed by Fleetsmarts. I will never do business with Fleetsmarts. All I ask is for them to remove the UCC filing at no charge because it was done without being authorized. 

  
  Sincerely,
  
  
  
  ****** ***********

  Business Response

  Date: 07/22/2025

  As stated in our previous response, you provided verbal agreement during the recorded call on July 1, 2025, allowing us to file the UCC-1 to open a fuel credit line for your business. We ensure all customers have the free will to make their own choices, and we proceeded only after receiving your consent.
  
  We value the opportunity to work with you that is why we are offering 2 options:
  
  Option 1: Proceed with payment of the $500 processing fee, and we will issue the Letter of Release (LOR) no later than 45 days after we receive your payment.
  
  Option 2: We are willing to waive the $500 fee if you choose to try our services with genuine intent for 60 days. If, after this period, you still wish to discontinue, the LOR will be issued at no additional cost.
  
  Please let us know which option you would like to proceed with so we can assist you accordingly.
  
  

  Customer Answer

  Date: 07/22/2025

  
  
  Complaint: 23601325
  
  
  
  I am rejecting this response because we never gave consent to file the UCC 1 lien. As I previously stated, I informed your representative to send me an email and she stated I had 24 hours to respond. I NEVER RESPONDED WHICH IMPLIES I DON'T WANT YOUR SERVICES NOR PRODUCTS!!! Verbal consent was never provided. The word OK is simply an acknowledgement that I hear you. We never stated,  ok sign me up or ok I agree or ok I want your products. Fleetsmarts is a SCAM! You fraudulently file liens against companies and then require them to pay $500 or use your service to have the lien removed. That makes no sense. I don't do business with SCAMMERS which is why I never replied to the email. I did my own research after talking to you representative and saw the hundreds of bad reviews. Fleetsmarts called us numerous times trying to get us to sign up. When we finally listened to what they had to offer, I stated send me an email so I can review the information. None of your representatives speaks English as their first language making it even harder to understand which is why I requested the information via email. This entire process is ridiculous. I reject your offer and request that you terminate the lien at no cost immediately. For once do the right thing Fleetsmarts! 
  
  
  
  Sincerely,
  
  
  
  ****** ***********

  Business Response

  Date: 07/23/2025

  Thank you for your continued communication regarding this matter.
  
  To clarify once again: during the recorded call on July 1, 2025, our Senior Account Specialist clearly explained that filing a UCC-1 is a required part of the process to open a fuel credit line in the state of North Carolina. It was stated that this filing serves as notice to the Secretary of State that Fleetsmarts would be working with your company to provide a credit line.
  
  When this process was described to you, you responded with a clear “OK” after confirming you understood. At no point during or after the call did you object to this step or request that we hold off. Based on your acknowledgment and lack of any objection, we proceeded with the UCC-1 filing in accordance with our standard procedures and industry practice.
  
  At this time, the resolution options remain as follows:
  
  Option 1:
  Pay the $500 processing fee. We will issue a Letter of Release and file a UCC termination within 45 days of receiving payment.
  
  Option 2:
  Enroll in and use our services for 60 days. If you decide not to continue after that period, we will issue the Letter of Release at no cost.
  
  To move forward efficiently, we encourage you to call us directly so we can assist you further and answer any remaining questions in real time.
  
  ?? Please call our customer service team at ************ or your account manager during business hours.
  
  

• Initial Complaint

  Date:07/02/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I sing up with company in 2023 . For fuel discount program only. They where trying to get me to use with for factorying also . But I declined the offer. But in 2025 june 27 I try to sing up different factorying company. Then I come to find out. That fleetsmarts already filled my UCC. Without my permission . When I asked for proof of contract copy. They sad don't have it . But I wanna get out contract I will have to pay $500. Fee. Which i never agree to any contract.

  Business Response

  Date: 07/03/2025

  Hi,
  
  We completely understand your concern regarding the UCC filing.
  
  Just to clarify, the UCC was filed after your team expressed intent to move forward with our services, specifically the fuel card program. Filing a UCC is a standard step we take during account setup—especially when preparing to fund—while paperwork is still being finalized. That said, we acknowledge that this may not have been clearly communicated at the time, and we sincerely apologize for any confusion caused.
  
  I would also like to clarify that a UCC-1 filing does not require authorization from the debtor. However, because some companies in the industry have been spreading misleading information about UCC filings, we now secure express authenticated records to defend ourselves. Please know it was never our intention to cause frustration—we are simply protecting our business from misinformation that, unfortunately, seems to have reached you.
  
  It’s important to address two key points where other companies may have misled you:
  
  -A UCC filing does not block you from factoring with other companies.
  -A UCC-1 filing typically does not require explicit consent when credit is extended.
  
  We believe it’s critical to recognize where this misinformation may have come from because trust built on false claims could lead to further complications.
  
  That said, we value the opportunity to work with you and would like to offer two options to resolve this matter:
  
  ? Option 1: Proceed with payment of the $500 processing fee, and we will issue the Letter of Release (LOR) within 45 days of your original request.
  ? Option 2: We are willing to waive the $500 fee if you choose to try our services with genuine intent for 60 days. If, after this period, you still wish to discontinue, the LOR will be issued at no additional cost.
  
  We are confident in the value we can provide, including:
  
  -Better factoring options at a competitive price
  -A superior fuel card that covers Loves, Pilot, and all EFS locations—places most carriers prefer
  
  We hope you won’t let misinformation lead you away from an honest partnership. Our goal is to work with you transparently and resolve this matter amicably.
  
  

  Customer Answer

  Date: 07/03/2025

  
  
  Complaint: 23550997
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  ******** *****

• Initial Complaint

  Date:07/02/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company targeted my business when sending fuel information and files a UCC and then forces me to sign a contract and forcing me to factor with them when i do not need factoring at all. I have been told we have option to terminate then ******* ***** will tell me actually no you have no option. they mentally torture you and those that have a slight barrier. My husband and i are 2 owners and they wont listen to me. they offer the $500 to early termination and then say no. They recorded my call where it states to send me information never an agreement to contract. I have submitted a small claims court to take action due to lack of support

  Business Response

  Date: 07/03/2025

  Hi,
  
  Thank you for bringing your concerns to our attention. We appreciate the opportunity to respond and clarify the situation.
  
  First, we would like to sincerely apologize if any of your interactions with our team, particularly with ******* *****, came across as unprofessional or caused you distress. This is not the experience we want for any of our clients. Please be assured that we take such concerns seriously, and we will conduct an internal investigation to fully understand what occurred in your conversations with him.
  
  At the same time, we would like to provide some clarity regarding the points raised in your complaint.
  
  We understand you were told that a UCC-1 filing prevents other factoring companies from doing business with you.
  
  To clarify:
  
  A UCC-1 filing is a standard security interest document that protects the lender or factor but does not restrict your ability to engage with other factoring companies. As long as the UCC-1 filing is properly managed, you are free to work with any factoring provider, provided the terms are clear between all parties.
  
  We opened a fuel credit line for your business and sent your fuel card in the mail based on your expressed interest. Please note that you verbally agreed to our UCC filing during a recorded call, as part of the standard process for opening the credit line.
  
  Our goal has always been to support our clients, not create hardship.
  
  That said, we remain committed to resolving this matter in good faith and offer the following options:
  
  ? Option 1: Proceed with payment of the $500 processing fee, and we will issue the Letter of Release (LOR) within 45 days of your original request.
  
  ? Option 2: We are willing to waive the $500 fee if you choose to try our services with genuine intent for 60 days. If, after this period, you still wish to discontinue, the LOR will be issued at no additional cost.
  
  We believe our services can provide:
  -Better factoring options at a competitive price.
  -A superior fuel card program including Loves and Pilot locations, plus all locations covered by EFS.
  
  We encourage you not to let misinformation influence your decision. Our transparent approach and commitment to integrity make us confident that we can meet your business needs effectively.
  
  We look forward to hearing from you and hope to resolve this matter amicably.
  
  

  Customer Answer

  Date: 07/06/2025

  
  
  Complaint: 23547841
  
  
  
  I am rejecting this response because:I am ready to pay 500$ to them but now they are saying i have only one option to accept their 60 days contract but I don’t trust them and want a LOR because my 45 days of LOR request already complete now .
  
  
  
  Sincerely,
  
  
  
  ******* ****

  Business Response

  Date: 07/07/2025

  Hi,
  
  Thank you for your response. I want to assure you that you have two options available to resolve this matter, and either option will work out for you:
  
  ? Option 1: If you wish to proceed with the payment of the $500 processing fee, our buyout email team will send you the wire instructions (***********************). Once payment is confirmed, they will process the Letter of Release (LOR). I will also personally endorse your case to them to ensure it is handled promptly.
  
  ? Option 2: If you prefer, we can waive the $500 fee if you choose to use our services for a 60-day period. After this period, if you still wish to discontinue, the LOR will be issued at no additional cost.
  
  Please let us know which option you’d like to move forward with, and we’ll guide you through the next steps.

  Customer Answer

  Date: 07/07/2025

  
  
  Complaint: 23547841
  
  
  
  I am rejecting this response because:we already gave our card details and authorization to your team but every time they are harassed me for something new, I don’t know why they are extending it too much, its almost two months to this that i am facing financial and mental harassment.
  
  
  
  Sincerely,
  
  
  
  ******* ****

  Business Response

  Date: 07/09/2025

  I took the time to personally review your account, including the recorded call from October 24, 2024, and I want to be transparent about what we found.
  
  On that call, our Senior Account Specialist, *******, clearly explained that, since you’re based in California, opening a fuel credit line requires us to file a UCC-1—which is standard practice for these types of accounts. Here’s the exact transcript from that call:
  
  *******:
  “Note of that, you want to pay for your credit line on every Friday, OK, now I'll tell you what, this is what I'll do, OK, first thing first, we're going to send out the card to you, *********, OK?
  Meanwhile, meanwhile, while you're waiting for them to arrive, you're based out in California.
  Right, OK, now in the state of California to open up a credit line for fuel we file what's called a UCC one which registers us with the state as a payee and allows us to open that fuel credit line. Fair enough?
  
  Customer:
  OK.
  
  *******:
  OK, OK, we just sent you an email with some details look that over if you can when we get off the phone and make sure everything looks right.”
  
  No misleading language was used, and everything was followed up via email for full transparency. Due to file restrictions on the BBB site, we are unable to upload the MP3 recording; however, we’ve attached the confirmation email that was sent to ********************** right after the call. Please let us know if you would like us to resend it for your records.
  Additionally, we noted that you added a method of payment (MOP) to pay the $500 administrative fee. However, when our representative advised you that a copy of your ID and the card would need to be uploaded to proceed, the call was unexpectedly disconnected.
  
  Now, regarding your request for a Letter of Release (LOR)—our policy on this is consistent across the board. The $500 administrative release fee exists because the UCC-1 filing process involves legal, compliance, and administrative resources. It is not simply a document—it is a legally binding filing that requires careful handling and removal through the appropriate state channels.
  
  I would also like to clarify that the UCC-1 filing does not require authorization from the debtor. However, because some companies have been spreading misleading information about UCC filings, we now secure express authenticated records to defend ourselves. Our intention has never been to cause frustration. We are simply protecting our business from misinformation that, unfortunately, seems to have reached you.
  
  It seems that another company might have misled you about two important things:
  UCC filings do not block you from factoring with other companies.
  A UCC-1 filing typically does not require explicit consent when credit is extended.
  
  We believe it’s important to recognize where this misinformation may have come from because trust built on false claims could lead to further issues down the line.
  
  We value the opportunity to work with you. Instead of letting misinformation influence your decision, we’d like to offer:
  
  Option 1: Proceed with payment of the $500 processing fee, and we will issue the Letter of Release (LOR) within 45 days of your original request.
  Option 2: We are willing to waive the $500 fee if you choose to try our services with genuine intent for 60 days. If, after this period, you still wish to discontinue, the LOR will be issued at no additional cost.
  
  We believe we can provide:
  
  -Better factoring options at a competitive price
  -A superior fuel card that includes Loves and Pilot, the two places most carriers prefer, plus all locations covered by EFS
  
  Please don’t let misinformation lead you away from an honest partnership. We’re confident that our services and transparent approach will prove to be the better choice.
  
  We look forward to hearing from you and resolving this matter amicably.
  
  
  

  Customer Answer

  Date: 07/14/2025

  
  
  Complaint: 23547841
  
  
  
  I am rejecting this response because: I already submitted my card and id picture and they deducted the 500$ , now please terminate the ucc1 and give me letter of release because our 45 days are already complete now its almost two months when my original request started in may, now what your team is waiting for ? 
  
  
  
  Sincerely,
  
  
  
  ******* ****

  Business Response

  Date: 07/15/2025

  Hi,
  
  Thank you for your message, and I apologize for any inconvenience this delay may have caused.
  
  I’ve already endorsed your request to our BO/LOR department, and you can expect to receive your Letter of Release (LOR) today or tomorrow. We’re making sure everything is fully taken care of so this matter can be resolved for you.
  
  Once you receive the LOR, it would mean a lot if you could mark this complaint as resolved to help us close it out on our end too.
  
  If there’s anything else you need or if you have questions in the meantime, I’m here to assist you every step of the way.

  Customer Answer

  Date: 07/17/2025

  
  
  Complaint: 23547841
  
  
  
  I am rejecting this response because:as said by this company earlier that we will receive LOR within two days, after waiting I am texting this message, I did not receive any letter from this company and I was calling them on daily basis from morning to evening, every time new staff members picked up the phone and they even don’t reply in good way, sometimes hold my call , sometimes don’t respond the question. Actually in last week of june some of their staff members told me that my initial request for LOR started in 19 may and if I will pay 500$ they will give me UCC1 termination letter on 3rd July , that is reason that I was agree to pay them so that it will be a mental peace for me but now when everything is done they get the 500$ , their staff behaving rudely and didn’t responding well, and not give LOR to me , so its a request to your company and BBB as well please help me to come out from this.

  
  
  
  Sincerely,
  
  
  
  ******* ****

  Business Response

  Date: 07/22/2025

  Hi Mr. ******* ****,
  
  We sincerely apologize for the delay and the inconvenience you've encountered throughout this process. The delay in providing your Letter of Recommendation (LOR) was due to an unexpected backlog in our document processing department, which temporarily impacted our normal turnaround times.
  
  I personally endorsed your case to the appropriate team and requested it be escalated as soon as possible to ensure it was prioritized. As a result, the LOR has now been processed and sent to the email address we have on file. If you have not received it yet, we kindly ask that you check your spam or junk folder. If it's still not there, please let us know right away so we can promptly resend it.
  
  We truly appreciate your patience and understanding. If everything is now in order, we would be grateful if you could kindly consider marking this case as resolved. Should you need any further assistance, we are here to help.

• Initial Complaint

  Date:06/26/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I m ******* ****** from ******************* my mc number is 1664013-C . - I am seeking to get some help. I never signed up with this company. I have emails from them but never signed any document. They filed a *** on my company and I am in the process of buying a home and its pending because of them. I called and spoke to a *** and told him the situation and he hung up on me. I never used their service, never used their cards and they filed a *** without asking of without signing any of their documents. I need a *** release. Please email me confirmation that *** is being released. I am not paying for service I never used. This is fraud and will take them to court.

  Business Response

  Date: 06/27/2025

  We appreciate you bringing your concerns to our attention.
  
  First and foremost, please note that your account was handled by our Senior Account Specialist, Michelle, and your Account Manager, Hessed Joy. On September 11, 2024, at 10:10 AM (Call Duration: 9 minutes, 25 seconds), you engaged in a recorded conversation in which the following was clearly explained:
  
  Transcript Excerpt:
  Michelle: "And if in case since you've mentioned that you're in the state in California, just wanna let you know that for us to be able to open up a credit line for fuel in the future, we file what's called the UCC-1, which registers us with the state as a payee and allows us to open that fuel credit line maybe in the future if not right now, OK, fair enough."
  
  You responded:
  "Alright."
  Michelle: "So we're gonna be sending you an email for that."
  
  You followed up:
  "I, yeah, I, I can use like, prepaid, right?"
  
  "Yes, you can also do prepaid but in the future you can definitely let us know whenever you're ready to open up a credit line. We just need to do factoring, or you can just look for a different factoring company if you want, OK?"
  
  This conversation confirms that you were informed about the UCC-1 filing as part of our process to offer you a future fuel credit line and that there was acknowledgment and no objection from your end during that call. While you may not have used the fuel card or factoring service afterward, the UCC filing was validly initiated following standard industry protocol and verbal agreement to explore our offerings.
  
  Some of our competitors have been falsely claiming that Fleetsmarts prevents carriers from factoring with other companies. Why would we do that? Our UCC-1 filing was in place to enable a future fuel credit line—not to restrict your ability to do business elsewhere. If another factoring company is advising you otherwise, it may be a strong indication they are trying to pressure you into removing our filing so they can lock you into their services—often at higher rates and without transparency.
  
  Unfortunately, such tactics are becoming more common among certain legacy factoring companies that struggle to compete with Fleetsmarts' all-in-one, low-rate offerings. These companies often coach customers—who had previously agreed to our services—into making public complaints in hopes of voiding legitimate filings. This pattern has been repeated and documented in several cases.
  
  To clarify, here’s what FleetSmarts brings to the table:
  ? Fuel Credit Lines
  ? Discounts at All Major Truck Stops
  ? Insurance Down Payment Assistance
  ? Equipment Financing
  ? Factoring with the Market’s Lowest Rates
  
  Fleetsmarts is a true one-stop-shop committed to helping carriers grow their businesses with transparent, affordable solutions.
  
  We understand you're currently navigating a home purchase, and we’re willing to revisit this conversation in good faith. If you're open to resolving this matter amicably, please contact our team directly at (801) 893-3600 or reply to this message so we can work toward a solution that supports both your personal and business goals.
  

• Initial Complaint

  Date:06/24/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Sometime in December, 2024, I was contacted by ***** of Fleetsmarts, **********************************************, with an offer for insurance, factoring, and a fuel line of credit. *****, is an account manager based in ********** and works for Fleetsmarts remotely. I had just registered my trucking company. I advised ***** I was looking for quotes and was not ready to move forward as I was in the process of purchasing my truck. He made follow up calls in February and April, and I kept telling him I was not ready. In all these instances, there was no agreements in place, just conversations. My team and I have been shopping around and found a company that will cater to our needs. Upon processing our insurance with a company of choice, I was advised that we need to get a Letter of Release from Fleetsmarts. This is the 1st time my admin or I heard of anything binding. Upon reaching out to Fleetsmarts, were told we verbally agreed to work with them once we were ready, they have filed a UCC1 for us and we have to work with them for at least *********************************** authority to make such filings on our behalf without our knowledge and was told our continuous conversations were binding. I asked for the contact they allege we signed or agreed to these terms. All I am getting is it was a verbal agreement and now they want $500 and a signed document. Only then can we get the release letter we seek, plus that process for the release takes 45 days regardless. Should, we want to terminate our contract we have to pay them $500 and still wait 45 days. I have to get insurance for my business in place and proceed with our commitments elsewhere

  Business Response

  Date: 06/26/2025

  Hi,
  
  We would like to better understand your perspective and would appreciate some additional context. Specifically, what makes you believe that a UCC filing prevents other factoring companies from doing business with you?
  
  To clarify, a UCC-1 filing should not stop other factoring companies from factoring your loads. It is a standard security interest document that protects the lender or factor but does not restrict your ability to engage with other factoring companies. As long as the UCC-1 filing is properly managed, you are free to work with any factoring provider, provided the terms are clear between all parties.
  
  Some of our competitors have been falsely claiming that Fleetsmarts prevents you from factoring with other companies. Why would we do that? Our filing was in place to offer you a fuel credit line, not to restrict your business. If another factoring company is telling you otherwise, it’s a strong sign they are manipulating you into removing our filing so they can lock you into their own services—without competition and often at higher rates.
  
  Unfortunately, these tactics are common among unscrupulous factoring companies—who struggle to compete with Fleetsmarts’ comprehensive programs—have taken to spreading misinformation to eliminate us as competition. We offer the lowest factoring rates in the market when bundled with fuel, and that’s why many legacy factoring companies resort to dishonest tactics.
  
  Here’s what Fleetsmarts offers:
  Credit Lines
  Fuel Discounts at All Major Truck Stops
  Insurance Down Payment Financing
  Equipment Financing
  Factoring with the Market’s Lowest Rates
  
  Because we’re a true one-stop solution, many legacy factoring companies feel threatened, and instead of improving their offerings, they coach customers—who initially agreed to our services—into blackmailing Fleetsmarts with negative BBB reviews to try to cancel their commitments.
  
  In fact, nearly every bad review we receive includes a prior threat from the customer to post publicly unless we amended or voided the agreement. This pattern is consistent and well-documented.
  
  We encourage you to take a closer look at what Fleetsmarts truly offers. We are here to support your business with honest solutions, fair rates, and unmatched value. If you're willing to revisit the conversation in good faith, we’d love to show you what a real partnership looks like.
  
  

• Initial Complaint

  Date:06/24/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Wrongfully filed *** against my corporation.They want to charge me $500. For resolution of the letter.I have not entered into contract or agreement with Fleetsmarts, or used any services.

  Business Response

  Date: 06/25/2025

  Dear Mr. Corral,
  
  
  Thank you for bringing your concerns to our attention. After reviewing your account and the recorded call that took place on May 29, 2025, at 11:16 AM with our Senior Account Specialist Janlord and your Account Manager Prince, we would like to clarify the details of your interaction with Fleetsmarts.
  
  During the call, our representative explained that, as part of the process of setting up a fuel credit line with no credit check, we file a UCC-1 financing statement with the state. This is standard protocol for establishing a fuel line of credit.
  
  At the time, Janlord stated:
  “To prepare everything in our system and to open up a credit line for the fuel card in the future as well, we file what's called the UCC one to register us with the state as the payee and allow us to open that fuel credit line for you, OK?”
  
  To which you responded:
  “OK.”
  
  He then followed up by informing you:
  “Now we sent you the email, sir. Check that later and make sure everything looks good to you.”
  
  This exchange clearly shows that you verbally agreed to proceed, and it is on this basis that we initiated the UCC filing. Those follow-up actions justify the UCC filing in accordance with federal and industry standards.
  
  We would also like to emphasize that our UCC filing does not restrict you from working with other factoring companies. Many carriers we work with have UCCs filed and continue successful relationships with their preferred partners. However, if your factoring company requires the UCC to be released, we have provided two clear and reasonable resolution options:
  
  -Pay a one-time $500 administrative fee – The UCC will be terminated after 45 business days.
  -Use the Fleetsmarts program for 60 days – You will receive a free and immediate release after completing the 60-day term.
  
  These options are consistently offered to all clients in similar situations and are designed to be fair while accounting for the administrative costs associated with contract setup and UCC termination.
  
  We are committed to working with you in good faith and resolving this matter professionally. Please let us know which option you would like to pursue, and our team will assist you accordingly.
  
  

  Customer Answer

  Date: 06/25/2025

   
  
  Complaint: 23510631
  
  
  
  I am rejecting this response because:
  There are no legal binding, signed contracts. ( offer for 1 free rewards fuel card) 
  
  Sincerely,
  
  
  
  Jose Corral

  Business Response

  Date: 06/26/2025

  Dear Mr. Corral,
  
  Thank you for your reply. We understand that you are rejecting our previous response based on the absence of a signed contract.
  
  To clarify, under UCC guidelines and applicable business law, a signed agreement is not strictly required for a valid UCC-1 filing. A verbal agreement, accompanied by clear intent to proceed and documented business communication, is considered legally sufficient in the context of establishing a secured interest. This standard applies especially when credit-based services are being prepared or extended.
  
  That said, we want to resolve this matter professionally and fairly. As previously stated, you may proceed with either of the following options:
  
  Option 1:
  Pay a one-time administrative fee of $500
  – The UCC-1 will be terminated and a Letter of Release issued within 45 business days.
  
  Option 2:
  Use our services for 60 consecutive days
  – After completion, the UCC-1 will be released free of charge and immediately upon request.
  
  Please let us know which option you’d like to proceed with so we can assist you accordingly.
  
  

  Customer Answer

  Date: 06/27/2025

   
  
  Complaint: 23510631
  
  
  
  I am rejecting this response because:
  
  I will pursue legal actions 
  
  Sincerely,
  
  
  
  Jose Corral

• Initial Complaint

  Date:06/23/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint to warn others and to document a deeply unprofessional and possibly fraudulent experience with Blue Water Capital/Fleetsmarts. I have become the target of what appears to be a verbal UCC scam. I have repeatedly requested a Letter of Release (LOR) due to an unauthorized UCC-1 filing that is preventing me from setting up with factoring company. Despite asking for proof of a signed contract that would justify this filing, the company failed to provide any documentation. They record your conversations with the representatives and then use those conversations to claim you agreed to use their services, but they provide no notification of you being recorded so beware- they are illegally recording and using these conversations against you. They then refuse to speak with you when you start recording the conversations. I have since been subjected to repeated harassing phone calls. The representative named "******" now only calls and remains silent before hanging up because I have started to record our phone calls amidst all the bad reviews I have read. They refuse to provide an invoice for the $500 they claim they need to release the LOR but fail to provide an invoice or receipt for payment received, has not provided any written proof of a contract or transaction or agreement, and is not responding professionally. I have exhausted all reasonable attempts to resolve this issue. Given the unresponsiveness and suspicious conduct of this company, I have now filed a police report and am pursuing legal action. I am also submitting formal complaints to the FTC, CFPB, and state authorities.
  I have decided to file a police report and pursue legal action.

  Business Response

  Date: 06/25/2025

  Hi,
  
  Thank you for your message. We take all customer concerns seriously and are committed to addressing this matter in a transparent and professional manner.
  
  To clarify, the UCC-1 filing was initiated as part of the process of establishing a credit line, which is a standard procedure based on your intent to move forward with our services. This filing is not intended to restrict your ability to work with other providers. In fact, we work with many carriers who have existing UCC filings in place and successfully partner with factoring companies every day.
  
  We understand your request for a Letter of Release (LOR), and we want to be clear that we provide this upon fulfillment of either of the following two options:
  
  1. Pay a one-time fee of $500 – The LOR will be issued after 45 business days from the date of payment. This covers the administrative fee.
  
  2. Work with us for 60 days – After 60 consecutive days of active service, the LOR will be issued free and immediately upon request.
  
  Some of our competitors have been falsely claiming that Fleetsmarts prevents you from factoring with other companies. Why would we do that? Our filing was in place to offer you a fuel credit line, not to restrict your business. If another factoring company is telling you otherwise, it’s a strong sign they are manipulating you into removing our filing so they can lock you into their own services—without competition and often at higher rates.
  
  Unfortunately, these tactics are common among unscrupulous factoring companies—who struggle to compete with Fleetsmarts’ comprehensive programs—have taken to spreading misinformation to eliminate us as competition. We offer the lowest factoring rates in the market when bundled with fuel, and that’s why many legacy factoring companies resort to dishonest tactics.
  
  Here’s what Fleetsmarts offers:
  -Credit Lines
  -Fuel Discounts at All Major Truck Stops
  -Insurance Down Payment Financing
  -Equipment Financing
  -Factoring with the Market’s Lowest Rates
  
  Because we’re a true one-stop solution, many legacy factoring companies feel threatened, and instead of improving their offerings, they coach customers—who initially agreed to our services—into blackmailing Fleetsmarts with negative BBB reviews to try to cancel their commitments.
  
  In fact, nearly every bad review we receive includes a prior threat from the customer to post publicly unless we amended or voided the agreement. This pattern is consistent and well-documented.
  
  We encourage you to take a closer look at what Fleetsmarts truly offers. We are here to support your business with honest solutions, fair rates, and unmatched value. If you're willing to revisit the conversation in good faith, we’d love to show you what a real partnership looks like.
  
  

  Customer Answer

  Date: 06/25/2025

  
  
  Complaint: 23508577
  
  
  
  I am rejecting this response because:   I am not interested in conducting any business with Fleetsmarts or Blue Water Capital. The UCC-1 filing was made based on a verbal agreement, without written consent or supporting documentation.
  To date, Fleetsmarts has failed to provide any valid documentation substantiating the lien. As you are aware, UCC Section 9-611 requires that a debtor be informed and provide consent prior to such a filing. Filing a UCC-1 without such consent and notice is a clear violation of this provision.
  I am therefore requesting that you promptly issue a Letter of Release to terminate this unauthorized UCC filing.

  
  Sincerely,
  
  

  Business Response

  Date: 06/26/2025

  Hi,
  
  To clarify, the UCC-1 filing was not made arbitrarily or without basis. It was submitted based on your intent to move forward with our services, specifically a fuel credit line. This is a standard practice across the industry and allows us to prepare and protect the credit we extend to carriers during the setup process.
  
  That said, we understand you wish to part ways and are offering two straightforward resolution paths:
  
  Option 1:
  Pay a one-time administrative release fee of $500
  — Upon receipt of payment, the UCC-1 will be terminated and the Letter of Release will be issued within 45 business days.
  
  Option 2:
  Complete 60 consecutive days of active service with us
  — After the 60-day period, the Letter of Release will be issued free of charge and without delay.
  
  Please note that the UCC-1 filing does not prevent you from working with other factoring companies, and any claims to the contrary are often used as tactics to push clients into exclusive contracts.
  
  We are here to support your business and resolve this as quickly as possible. Let us know how you would like to proceed, and we will take the appropriate next steps.
  

  Customer Answer

  Date: 06/27/2025

  
  
  Complaint: 23508577

  I
  am rejecting this response because:  I am not, and will not be, engaging in any business with
  Fleetsmarts or Blue Water Capital.
  The UCC-1 financing statement was filed based solely on a
  verbal discussion. As there is no signed security agreement or written
  authorization, this filing lacks legal standing under UCC §9-509 and
  is therefore deemed unauthorized.
  Furthermore, demanding payment for the release of this
  unauthorized filing is unacceptable and may be construed as coercive or
  unlawful. You are not entitled to any form of compensation in this matter.
  I hereby reiterate my request that you immediately issue
  a Letter of Release. Failure to comply may result in further action,
  including but not limited to filing a complaint with the appropriate state
  authorities.
  
  
  
  
  
  Sincerely,
  
  
  
  ****** *********

  Business Response

  Date: 06/30/2025

  Hi,
  
  We understand and acknowledge your concerns regarding the UCC-1 filing. As previously communicated, this filing was submitted in connection with your expressed intent to proceed with our services, specifically for establishing a fuel credit line, in line with standard industry practices.
  
  That being said, our process for addressing release requests remains unchanged. To maintain consistency, fairness, and compliance within our operations, there are two available options for resolving this matter.
  
  At this time, no alternative resolutions are being offered outside of these two options.
  We respect your decision regarding your business affiliations and sincerely regret that we could not establish a working relationship. Should you wish to proceed with one of the available options, please contact our office directly to initiate the appropriate next steps.
  

• Initial Complaint

  Date:06/21/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My company name is **** ************** ***
  Dot ******* this company called me talked about a fuel card I get it after a few days I see they put a UCC on my company they did that to a lot of new company I don’t used their fuel card I don’t used their factory I need a release letter send to me

  Business Response

  Date: 06/24/2025

  Dear *****,
  
  Thank you for sharing your concerns.
  
  After reviewing your complaint, we’d like to clarify several important points regarding your interaction with Fleetsmarts.
  
  First and foremost, you were not forced to sign any contract. The services offered to you—including the fuel card and associated credit line—were explained clearly, and your participation was entirely voluntary. At no point were you coerced or misled into agreeing. In fact, during your recorded onboarding call, the process of filing a UCC-1 to open a fuel credit line was explained, and you acknowledged and accepted it without objection.
  
  Here is a portion of the call transcript:
  
  “You're based out in Florida, right ******?”
  
  *****: “Yes, yes.”
  
  “OK good. Now, in the state of Florida, to open up a credit line for fuel, we file what's called the UCC-1 which registers us with the state as a payee and allows us to open that fuel credit line with no credit check needed.”
  
  “OK, ******.”
  
  This acknowledgment served as your consent to proceed, and the UCC-1 was filed accordingly as part of setting up the credit line you requested.
  
  Due to file restrictions on the BBB site we can not upload the MP3 file, but have attached the email confirmation sent to the following email *************************.
  
  We would also like to correct the misconception that a UCC-1 filing prevents you from factoring with other companies. This is not true. Some factoring companies use this false claim as a tactic to pressure new carriers into switching providers by spreading misinformation. The purpose of the UCC-1 filing is solely to secure the credit line extended to you—it does not block you from using other services.
  
  We remain committed to helping carriers like you succeed, and we are proud to offer:
  
  Fuel discounts across all major truck stops
  Equipment and insurance down payment financing
  Factoring with the most competitive rates in the market
  Flexible credit lines—even for new authorities
  
  We want to resolve this matter with you directly. To help with that, a member of our team will be reaching out to you by phone to discuss your concerns and walk you through your options. Thank you again for your time and for allowing us the opportunity to clarify the facts.
  
  

• Initial Complaint

  Date:06/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Fleetsmart blue water capital has illegally filed a ucc on my name and business. They snuck in a factoring application in the same docusign as the fuel application. We have asked nicely, screamed and yelled and have tried everything for them to release our ucc. We do not want to do factoring with us. They tricked us. This company is a scam! And they are based over seas in the Philippines and they are doing illegal practices. Please help me get my UCC released!!! They are asking us to pay 2500 dollars for something we did not sign up for.

  Business Response

  Date: 06/24/2025

  Dear *****,
  
  Thank you for sharing your concerns. We understand your frustration and take your feedback seriously. After a full review of your account, including the recorded phone call dated June 6, 2025, and related documentation, we would like to clarify the following:
  
  The UCC-1 filing was made as part of opening a fuel credit line, not for factoring services. This was fully disclosed and acknowledged during your call with our Account Manager, *****, and our Senior Account Specialist *******.
  
  Below is the relevant transcript excerpt:
  
  ******* (0:05):
  “To prepare everything in our system and to open up the credit line for the fuel card, we file what’s called a UCC-1 to register us with the state as the payee and allow us to open the fuel credit line for you as well, OK?”
  
  Customer: “OK, OK. What’s the process for that?”
  
  ******* (0:25):
  “We’re just letting you know. Since we don’t do any kind of credit check, in order to prepare the fuel credit line, we’ll be filing the UCC-1 so we register ourselves as the payee, because we’ll be paying for your fuel first before we collect the payment after a week, alright?”
  
  Customer: “OK, OK, OK, OK.”
  
  This confirms that the UCC filing was explained, and no deception took place. We do not “sneak” factoring into any agreement. If you believe you were misled, we encourage you to revisit the email confirmation that was sent to ***************************** immediately after your call, which outlines the program and terms.
  
  2. Factoring Is Optional
  We’d like to emphasize again: factoring through Blue Water Capital (DBA Fleetsmarts) is not mandatory. Many of our customers choose to use our fuel-only option. Our UCC filing is a standard practice tied solely to the fuel credit line. If another factoring company refuses to work with you because of this filing, we urge you to request written proof from them. Unfortunately, it’s not uncommon for factoring competitors to use misleading tactics to create fear or confusion.
  
  3. Fee and Release
  We want to clarify that your signed Terms of Agreement clearly state:
  “e. Fleetsmarts provides, at additional cost, Letter of Release and Buyout Agreements upon request.”
  This clause applies to customers who choose not to fulfill their commitment or wish to terminate the UCC and related services early. In your case, based on the level of service setup, documentation, and administrative processing, that cost is $2,500.
  
  This fee is not arbitrary. It is a buyout offer based on the resources already allocated to your account and reflects your early cancellation request.
  
  If your intention is to release the UCC filing without further use of our services, we’re open to reviewing a formal buyout proposal. Our team is willing to work with you fairly, but threats, false claims, and public defamation do not lead to resolution.
  
  We understand you’re upset and want your UCC released. Our team is still open to resolving this in good faith. If you're willing to revisit the situation constructively, please have your line open because our team member is reaching you out. We are here to assist you with the next steps.
  
  We appreciate the chance to respond and clarify, and we remain committed to working with you toward a resolution that respects both parties.