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:06/09/2025

  Type:Product 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.

  In September 2024 I was contacted by a representative for Fleetsmart, regarding a fuel card. While speaking with the representative over the phone, I never agreed or signed any documents in accepting a fuel card and they signed me up without my permission. They did an unauthorized UCC filing with my company. On June 9th, 2025, I reached out to Fleetsmart regarding this issue, and I spoke with a manager name ***** *******. Ms. ******* proceeded to let me know that in order for me to dismiss the UCC filing transaction I would have to pay $500 dollars. My company's name is WOO Logistics LLC, the phone number is ************ and the email address is ************************ and I would like to resolve this issue by terminating the unauthorized UCC filing. Here is Ms. ******* contacts information, ************, **************************. Thank you.

  Business Response

  Date: 06/17/2025

  We’re sorry you feel this way. Fleetsmarts does not open credit lines or file UCCs without informing the customer. In this case, Mr. ****** was speaking with our representative ********, who clearly explained the process of opening a fuel credit line and the filing of a UCC-1. Mr. ****** acknowledged this during the call.
  
  Transcript from the call:
  ********: “So in Texas for us to be able to open up a credit line for fuel we file what's called the UCC one which registers us with the state as a payee and allows us to open that fuel credit line, fair enough.”
  Mr. ******: “Open up the line.”
  Mr. ****** then asked: “You need what you need, I need what again?”
  ******** responded: “We do file UCC one, which registers us with the state. Basically it’s a notification that we’re gonna be doing business.”
  Mr. ****** replied: “Oh OK OK.”
  ******** clarified: “Normally there’s a fee for that, but you don’t have to worry, we’ll take care of that for you.”
  
  ******** informed Mr. ****** that a fuel card would be sent within 5 to 7 business days. The process for establishing a fuel credit line, including the UCC-1 filing, was disclosed during this same conversation. Due to file restrictions on the BBB site, we can not upload the MP3 file, but this information was clearly communicated and acknowledged during the call.
  
  The $500 fee mentioned refers to the standard cost to remove a UCC filing when early cancellation is requested after credit is extended.
  
  We remain available to work with Mr. ****** toward a resolution, but the claim that this was done without his knowledge is not supported by the call recording. If you have further questions or would like to resolve this directly, please call us at ************.
  
  

• Initial Complaint

  Date:06/09/2025

  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, *********** ******* ***, owned by ******* *******, discovered FleetSmart filed an unauthorized UCC-1 lien against us in California on [march/2024].
  FleetSmart claims this lien is based on signed or verbal agreements. I, ******* *******, the owner, never authorized or signed any such agreement, Any alleged agreement is therefore invalid and non-binding. My company has never used or agreed to any FleetSmart services.
  Despite this, FleetSmart refuses to remove the illegitimate lien unless we pay $500 or use their services for six months. This is extortion for the removal of a lien they had no right to file. This unauthorized action severely harms my company's credit and operations.
  Resolution Sought: I demand FleetSmart immediately file a UCC-3 Termination Statement to remove this lien in California, at no cost to my company. They must also cease all demands for payment or service related to its removal.

  Business Response

  Date: 06/16/2025

  We understand your concerns and want to clarify that our process has always been consistent and aligned with industry standards. A UCC filing is a standard practice that protects our interest when a client shows intent to engage with our factoring services.
  
  It does not restrict your ability to work with other factoring companies, and it does not represent a binding contract on its own.
  
  We are not trying to make this difficult—we’re simply following the same procedures we apply to all clients to protect both parties and avoid miscommunication.
  
  At this point, again, there are only two available options to resolve this matter:
  
  1. Proceed with the $500 processing fee, and we will release the UCC within 45 days of the original request.
  
  2. Try our services for 60 days, and we will waive the fee and issue the release at no cost afterward.
  
  We are committed to handling this professionally and appreciate your time and understanding.
  
  

• Initial Complaint

  Date:06/06/2025

  Type:Product 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 writing to formally file a complaint against ********** regarding an unauthorized and inappropriate *** lien they have filed against three separate businesses that I own.********** mailed me a fuel card that I have never activated, never used, and have never received any funding or services from them. Despite this, they filed a *** lien, which now negatively affects the credit and public records of all three businesses.I have made multiple attempts to resolve this issue by contacting ********** directly. Each time, I am either transferred repeatedly, promised follow-up that never happens, or placed on hold indefinitely. As of the most recent attempt, I have been on hold for over an hour without speaking to a representative. This level of customer service is unacceptable.

  Business Response

  Date: 06/07/2025

  I understand your concerns and want to clarify the situation. When our account manager assisted you in setting up the diesel discount card, they also activated an account that included access to additional financial services. While no factoring activity has taken place, the account setup initiated our standard onboarding process, which involves administrative steps and internal costs.
  
  To help resolve this, we are offering two options:
  
  Option 1: You can proceed with payment of the $500 processing fee, and we will issue the Letter of Release (***) 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 that period, you still wish to discontinue, the *** will be issued at no additional cost.
  
  We believe this is a fair path forward and are ready to proceed based on your preference. Please contact us directly if you have any further questions or need assistance.
  
  
  

• Initial Complaint

  Date:06/05/2025

  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.

  Hi team fleetsmart, one of your agents contacted me some time ago to provide me with some diesel discount cards. They never mentioned a Factory contract.
  Now it turns out I'm in a factoring contract with you, and in order for you to remove me from that contract, I need to pay the $500 invoice, which seems incredibly unfair to me.
  Please send me the necessary documentation so I can be removed from that contract. Thank you.

  Business Response

  Date: 06/06/2025

  We understand your concerns and want to clarify the situation. When our representative assisted the customer in setting up the diesel discount card, they also activated an account that included access to additional financial services. While no factoring activity has taken place, the account setup initiated our standard onboarding process, which includes specific administrative steps.
  
  To help resolve this, we are offering two 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 this is a fair path forward and are ready to proceed based on the customer’s preference. Please contact us directly if you have any further questions or need assistance.
  
  

  Customer Answer

  Date: 06/09/2025

  
  
  Complaint: 23430681
  
  
  
  I am rejecting this response because: 

  Fleetsmart has lied from the very beginning and I need this UCC filing terminated once I pay. Also I dont know how this company is so fraudulent. The reps never do what they say and I think you guys will have a lawsuit by all the companies you have injured. When that time comes I will need my money back and all the other damages you caused.

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

  Business Response

  Date: 06/17/2025

  We’re sorry you feel this way, *****. Our records show that you agreed to receive a diesel discount card, and as part of that onboarding process, your account was set up with access to additional services, including factoring. This is a standard part of our program, and no funds were ever withheld or factored without your consent.
  
  The UCC filing was initiated as part of the credit line infrastructure required for offering fuel and factoring services. As previously communicated, you are not being billed for any service usage, only for administrative processing and contract setup, which was completed in good faith.
  
  We have clearly outlined two resolution options:
  1.Pay the $500 processing fee, and we will issue a formal release and file the UCC termination within 45 days.
  2.Try the service for 60 days in good faith, and if you decide to discontinue after that, we will waive the $500 fee and still provide the release.
  
  Accusations of fraud are not only unfounded, but they also misrepresent the facts of the situation. If you have evidence that contradicts your written agreements or the communications on file, you are welcome to provide it. Otherwise, we encourage you to choose a resolution path in good faith so this matter can be closed.
  
  Fleetsmarts remains committed to resolving this fairly and professionally.

• Initial Complaint

  Date:05/19/2025

  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 filed a UCC against my company making it impossible to get a factoring company. We call and ask to speak to a manager and are always told there is nobody available. Needing a release in order to get a factoring company.

  Business Response

  Date: 05/22/2025

  I understand your concern and want to clarify a few important points. We file UCCs for future credit line usage as part of standard industry practice.
  
  You mentioned that you're now looking to factor with another company. Please know that we do not prevent customers from working with other factoring companies. Many carriers factor elsewhere even if we have a UCC filing in place. The issue here is that the company you're trying to work with is choosing not to accept your application because of the UCC, even though it is common for factoring companies to work around existing UCC filings.
  
  This is what we are offering you:
  1.Pay a $500 administrative fee, which covers both the original cost to file the UCC and the labor required to properly terminate and release it. After payment, we will initiate the UCC release and coordinate with your preferred factoring company to provide confirmation within 45 days.
  
  2.Alternatively, you may choose to use our factoring service for 60 days. During this time, we will offer 0% for the first 30 days and 1.5% thereafter. Once the 60-day period is complete, we will issue a full and immediate UCC release with no additional fee.
  
  We are not looking to create difficulties for anyone, but we do expect some form of follow-through when customers have used services tied to credit exposure. If you would like to move forward under either option, we are available at ************ to assist you.
  
  
  

  Customer Answer

  Date: 05/22/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I never agreed to a UCC filing against my business. And do not want to do business with Fleetsmarts.
  I just want the UCC filing removed and letter of release sent to me!

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

  Business Response

  Date: 05/27/2025

  We understand your concern and want to clarify a few important points.
  
  Our company files UCCs as part of the standard setup process when preparing to offer credit services, such as a fuel card. This is a common industry practice and does not restrict your ability to work with other factoring companies. In fact, many of our clients factor with other companies even while a UCC is in place.
  
  If a factoring company refuses to work with you solely because of our UCC filing, that is a decision made by the factoring company, not a restriction imposed by us. We are happy to work with companies even if they have other UCCs filed. Unfortunately, some factoring companies use this as a tactic to pressure clients into removing existing UCCs so they can secure a higher percentage deal.
  
  To resolve this, we are offering two options:
  
  Option 1: Pay a $500 administrative fee, which covers the original filing cost and the labor to process the release. We will then initiate the UCC release and confirm with your new factoring company within 45 days.
  
  Option 2: Try our services with genuine intent for 60 days. If you still wish to discontinue after that, we will release the UCC at no charge.
  
  We encourage you to consider factoring with us. Our rates are among the lowest in the industry, and we offer a complete package including fuel discounts, insurance, and equipment financing. Many carriers who try our services end up staying long term because of the value we provide.
  
  If you would like to proceed with either option, please call us at ************. Our team is ready to assist you.

• Initial Complaint

  Date:05/15/2025

  Type:Billing Issues
  Status:

  UnresolvedMore 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.

  Letter of release

  Business Response

  Date: 05/16/2025

  In order to determine how to proceed, we need clarification on whether this request is related to a fuel card, factoring services, or a UCC filing. It would also be helpful to know if you are seeking to end services or if there is another concern we should address.
  
  In some cases, a letter of release may not be required to work with other providers, depending on the service involved. If it is required, we’re willing to review your account and outline the necessary steps.
  
  You may also contact us by phone for faster resolution. We’re available to assist.

  Customer Answer

  Date: 05/16/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  the original owner of the company wanted a fuel card which required factoring services we have been asking for a letter of release since February 17th and still haven’t gotten one and our contract expired on April 16th we gave notice we were not renewing and every time we call to talk to jasmine our account manager she never calls back we would like to end services as the broker we deal with pays out daily and this was explained to multiple customer service agents and jasmine as well you can look up the account expedite trucking llc and see our broker pays out daily you guys get paid before we do we wish to end services immediately so we can continue to grow and thrive a customer agent Juan told me and my business partner yesterday that we have to wait 45 days for a letter of release and can not factory any loads in that time which would cause us to go out of business I have this conversation recorded all we ask for is a letter of release so we can move on 
  
  Sincerely,
  
  
  
  ******* ****

• Initial Complaint

  Date:05/02/2025

  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.

  Hello,I am writing Fleetsmarts/Blue Water Capital to provide an immediate termination letter for my business ******************* I have fallen victim to an ongoing verbal UCC scam that unethically targets small trucking companies . I never signed an agreement that authorized them to file a *** on my business. They claim we have a verbal agreement from an unsolicited cold call from their company and sent me an email (which is not an agreement) that authorizes them to file a lien on my business. They are trying to force me to do business with their company or pay them $500 to release their unauthorized *** filing. Many trucking companies have experienced the exact same treatment from Fleetsmarts/************************** can see an unethical pattern of this with Fleetsmarts/Blue Water Capital on the Better Business Bureau website. I have provided the link below: ********************************************************************************************************************************** I am asking both the Attorney General's offices in ** and UT to review Fleetsmarts/Blue Water Capital treatment of my company and small trucking companies like mine. Their owner ******* Rawlins should be held accountable for the damages he has caused small businesses in your states and should not be allowed to continue these business practices. At best, these business practices are extremely unethical. I think their conduct is illegal in IL and if Fleetsmarts/Blue Water Capital does not provide me with a termination letter for this *** immediately, I ask that the IL Secretary of State and AG remove it.

  Business Response

  Date: 05/05/2025

  Weve reviewed your claims and need to correct several inaccuracies.
  
  First, you did authorize the *** filing when you agreed to receive the fuel credit line. Our representative ******* explained that the ***-1 filing is part of the process to register Fleetsmarts with the state as a payee. This filing is required to open the fuel credit line on your behalf. You agreed to this during a recorded phone call, and we sent a confirmation email to ********************************.
  
  Due to file restrictions on the BBB site, we can not upload the MP3 file, but here is the exact transcript from the call:
  
  ******* (0:10):
  "****, as I mentioned, to prepare everything in our system and to open up a credit line for the fuel card as well once you're ready to activate the fuel card, is that we file what's called the UCC-1 to register us with the state as a payee, and this will allow us to open that fuel credit line for you, alright?"
  
  **** (0:19):
  "OK."
  
  ******* (0:20):
  "Now we sent you the email, you can check that when we get off the phone and make sure everything looks good to you. Just let us know if you have any questions or concerns, and of course you will be working with ******."
  
  This clearly confirms you were informed of the *** filing and acknowledged it.
  
  We also want to make it clear that Fleetsmarts does not prevent you from factoring with other companies. The *** filing is strictly related to the credit line for fuel and does not interfere with your ability to choose other financial partners. If another company told you otherwise, they may be using that tactic to mislead you into removing our filing so they can bind you to their own services.
  
  Unfortunately, this type of manipulation is common among older factoring companies that struggle to compete fairly. Many of the negative BBB reviews we receive follow threats from customers who demand that we void valid agreements or else they will post false claims. This pattern is well documented and does not reflect any wrongdoing on our part.
  
  If you have further questions, please call our office directly at ************.

  Customer Answer

  Date: 05/10/2025

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

• Initial Complaint

  Date:04/24/2025

  Type:Customer Service 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.

  REQUEST TERMINATION OF ***.

  Business Response

  Date: 04/25/2025

  Dear Mr. ************************ you for reaching out. Weve received your request regarding the termination of the *** filing.
  
  To better assist you, could you kindly clarify the reason for this request? Understanding the details will help us ensure we handle it correctly.
  
  In the meantime, we encourage you to contact our **************** Representative directly for faster assistance. You can reach our compliance team at ************.
  
  We look forward to resolving this matter with you.

• Initial Complaint

  Date:04/21/2025

  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.

  On March 17th 2025 I was contacted about an offer for a line of credit on a fuel card for my transportation business. I declined the offer for a line of credit and Fleetsmarts proceeded to file a **** on my company making it impossible to factor with any other company. They claim that I agreed to the filing of the **** on a phone call recording that I was not made aware of. After obtaining a copy of the phone call from Fleetsmarts, as well as listening to the call with my attorney, its very plain that I refused a line of credit and that this filing is indeed fraudulent. I asked Fleetsmarts for a letter of release and they said that I could only have an *** if I paid $500 or if I agreed to use their services for 6 mos. Afterwards if not satisfied, they would send the *** within a period of 45 days. I am currently working with my attorney and the state police to resolve this matter.

  Business Response

  Date: 04/22/2025

  Dear ***,
  
  Thanks for reaching out and bringing your concerns to our attention. I took the time to personally review your account, including the recorded call from March 17, 2025, 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 ********, opening a fuel credit line requires us to file a ***1which is standard practice for these types of accounts. Her exact words were:
  
  And since you are in ********, for us to be able to open up a credit line for fuel, we do follow what's called the *** one, which basically registers us with the state as a payee and allows us to open that fuel credit line with no credit checks needed, OK?
  
  You responded with:
  
  Got you.
  
  No misleading language was used, and everything was followed up via email for full transparency. Were unable to upload the MP3 to the BBB site due to file restrictions, but you should have the confirmation email that was sent right after the call. Let me know if you need that re-sent.
  
  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 ***1 filing process involves legal, compliance, and administrative resources. Its not just a piece of paperits a legally binding filing that requires careful handling and removal through the appropriate state channels. 
  
  To clarify, we are not here to force you to conduct business with us through a ***. Fleetsmarts does not prevent you from working with any other company. A ***-1 filing is not a lien and does not block you from factoring or doing business elsewhere. If another company has told you otherwise, they are either misinformed or deliberately misleading you. Unfortunately, this type of misinformation is common in the industry.
  
  Weve also noticed a pattern of negative BBB reviews and complaints originating from individuals coached by our competitorseither posing as customers or influencing actual clients with false claims. These legacy factoring companies cannot compete with what we offer, so they resort to deceptive tactics that hurt business owners like you.
  
  Fleetsmarts was built to support carriers with real tools that drive growth, including:
  
  Fuel credit lines
  Unparalleled discounts at major truck stops
  The lowest factoring rates in the market
  Financing for insurance down payments
  Equipment financing
  
  Because traditional factoring companies cannot match our offerings, they spread false claims about *** filings in an attempt to manipulate carriers into believing they are "locked in." In reality, this is simply not true.
  
  Wed love the chance to show you the value we bring when you engage with the full scope of our services. We encourage you to consider trying our factoring program so you can fully benefit from everything Fleetsmarts has to offer. Dont let misinformation steer you away from a partner genuinely invested in helping your business thrive.
  
  Please give our compliance team a call at ************, and wed be happy to walk you through next steps and explore how we can be of service to you.
  
  

• Initial Complaint

  Date:04/17/2025

  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.

  Around Oct. Of 2024 I received a call from amer, about their fuel card benefits. I actually considered signing up for the discounts. I never had a need for any factoring services at the time, so it was mentioned, but declined. Now, fast foward to the current week, I'm being told that I have a UCC filed and is pretty much forced to conduct business with fleetsmart otherwise I'd have to pay a termination fee for a service I've never used. Per contracted statement, a Carrier shall be free to leave if all doubts are satisfied. I don't owe a doubt to fleetsmart, but I'm being charged a termination fee.

  Business Response

  Date: 04/22/2025

  Dear ****** ******
  
  Thank you for reaching out and sharing your concerns. We genuinely value your time and the opportunity to address this matter.
  
  When you initially connected with one of our representatives in October 2024, you were introduced to the full range of Fleetsmarts services, including our exclusive fuel card discounts and optional factoring solutions. While we understand that you did not intend to use the factoring service at that time, your account setup included standard onboarding procedures such as the UCC filing.
  
  To clarify, we are not here to force you to conduct business with us through a UCC. Fleetsmarts does not prevent you from working with any other company. A UCC-1 filing is not a lien and does not block you from factoring or doing business elsewhere. If another company has told you otherwise, they are either misinformed or deliberately misleading you. Unfortunately, this type of misinformation is common in the industry.
  
  We’ve also noticed a pattern of negative BBB reviews and complaints originating from individuals coached by our competitors—either posing as customers or influencing actual clients with false claims. These legacy factoring companies cannot compete with what we offer, so they resort to deceptive tactics that hurt business owners like you.
  
  Fleetsmarts was built to support carriers with real tools that drive growth, including:
  
  Fuel credit lines
  Unparalleled discounts at major truck stops
  The lowest factoring rates in the market
  Financing for insurance down payments
  Equipment financing
  
  Because traditional factoring companies cannot match our offerings, they spread false claims about UCC filings in an attempt to manipulate carriers into believing they are "locked in." In reality, this is simply not true.
  
  We’d love the chance to show you the value we bring when you engage with the full scope of our services. We encourage you to consider trying our factoring program so you can fully benefit from everything Fleetsmarts has to offer. Don’t let misinformation steer you away from a partner genuinely invested in helping your business thrive.
  
  Please give our compliance team a call at 801-893-3600, and we’d be happy to walk you through next steps and explore how we can be of service to you.

  Customer Answer

  Date: 04/23/2025

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  I am NOT INTERESTED in doing business with Fleetsmarts/Blue Water Capitol

  I just want the UCC-1 removed.

  Thanks, kindly!

  Business Response

  Date: 04/25/2025

  We understand that you are now choosing not to do business with FleetSmarts/Blue Water Capital and are requesting the removal of the UCC-1 filing. However, it's important to note that you initially showed interest in our services and even mentioned that you were considering signing up for the discounts we offered. As part of the process to open a fuel credit line for you, our Senior Account Specialist clearly mentioned the UCC-1 filing, which is required to establish that credit line.
  
  For your reference, here's an excerpt from the recorded call that confirms your consent:
  
  0:11 – SENIOR ACCOUNT SPECIALIST:
  “Yeah, we’ll go ahead and request this card, sir, so you can give them a try. And then meanwhile, while you are waiting for them to arrive—since you're based here in the state of [SECRETARY]—I will prepare and open up that fuel credit line for fuel as we file what’s called a UCC-1 to register us with the state as a payee. It allows us to open a fuel credit line without doing any credit check, OK?”
  
  0:35 – ******:
  “Alright.”
  
  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 ***********************
  
  Again, we are not here to force you to conduct business with us through a UCC. FleetSmarts does not prevent you from working with any other company. A UCC-1 filing is not a lien, and it does not block you from factoring or doing business elsewhere. If another company has told you otherwise, they are either misinformed or deliberately misleading you. Unfortunately, this type of misinformation is common in the industry.
  
  If we had opened a credit line accidentally without your consent, we would absolutely take responsibility for that and cover any associated costs. However, in this case, we have both a recorded call and written communication where you requested the credit line and acknowledged the UCC-1 filing.
   
  We charge nothing for opening the line—it costs us money, and we do it in good faith, hoping you'll choose to work with us. Unfortunately, due to some dishonest competitors misleading customers (and the BBB allowing such practices), we now clearly explain this step during the onboarding call.
  
  That said, there is no cost or obligation to keep the credit line open. However, some factoring companies require clients to close existing credit lines—regardless of the impact on your business—just to work with them. While we disagree with this practice, it’s ultimately your decision.
  
  We are happy to close your credit line with no fee.
  
  However, if you require an official Letter of Release along with legal filings through the Secretary of State (which incurs legal preparation and state fees on our end), this request does come at a cost. Our standard fee for producing these legal documents and processing the state release is $500 with a 30-day processing period.
  
  We hope this clarifies the situation. Let us know how you’d like to proceed.
  
  

  Customer Answer

  Date: 04/28/2025

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

  So, now it's just 500 to terminate. Well go back to the RECORDED calls and you'll here at least 2 of your reps telling me it's 2500 to terminate. You guys are full of games and fruad

  Business Response

  Date: 04/28/2025

  After carefully reviewing our records, including the portal and the documentation associated with your account, we found that you have a signed agreement on file. Based on that, the early termination fee for your account is $2,500, not $500.
  
  It appears there may have been some confusion due to multiple accounts under the name ****** ***** in our system. One of those accounts does not have a signed contract, and for accounts without a signed agreement, a different termination policy applies. However, your account is the one with a signed contract, and as such, the $2,500 termination fee is valid.
  
  We apologize for any confusion this has caused. Please feel free to reach out to us at ************ to discuss how you would like to proceed, and we’ll assist you in any way we can.