Complaints

This profile includes complaints for GAINSCO, INC.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  GAINSCO, INC.

  1415 State St Ste 1600 Richardson, TX 75082-2305

• 

  GAINSCO, INC.

  PO Box 869153 Plano, TX 75086

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:03/11/2025

  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.

  I was insured with this company for about 6-8 months. I was in an accident that resulted in my vehicle being totaled (airs came out). After this happened the insurance company first refused to appraise my vehicle because I did not have collision coverage. Which collision coverage is to financially support after an accident. As an insurance company you have to assess the vehicle for damages and also at fault results. After fighting for an appraisal they finally got one. I contacted the appraisal company in which I have messages they said they sent the results to my insurance company. I have been waiting since October just for my insurance company to send me my total loss letter after multiple emails and phone calls. Even my insurance claims agent sent an email with me CCd requesting my total loss letter from her superiors and NOTHING. This has resulted in a MAJOR negative impact of my credit score. Due to me having gap insurance my loan of my car would be paid in full, but without the loss letter I can not file a gap insurance claim. Therefore for months on paper it looks as if Im willingly not paying my car note which has results so negatively in my credit score.

  Business Response

  Date: 03/21/2025

  Good afternoon 

  Please see the attached response. 

   

   

  Thank you 

  Quality Control 

• Initial Complaint

  Date:02/20/2025

  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.

  January 19, 2025 the company was supposed to pay for my vehicle that was totaled and paid me ***** less than what my car was worth and are laying saying the tow yard wouldnt let them pick it up and is not true and Ive tried to discuss the matter with a supervisor but they refuse to call me back even during the ***** hour window and with the amount they paid I cant even replace the car and they are blaming me because they couldnt pick up the vehicle and making me pay charges due to an issue on their side please help me resolve this issue

  Business Response

  Date: 03/11/2025

  Please see the attach response and supporting documents. 

• Initial Complaint

  Date:02/01/2025

  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.

  Gainsco still owes me from an insurance claim in 2023.

  Customer Answer

  Date: 02/04/2025

  They included my dealership JB byryder name on the check that's why I couldn't call the first check. 

  Im the one who paid full coverage not my dealership. The check should have only had my name on it

  Business Response

  Date: 02/17/2025

  Good afternoon,

   

  Please see the attached response for BBB ******** ***** ZAWEC.

   

   

  Thank you

  Quality Control 

• Initial Complaint

  Date:12/17/2024

  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.

  HORRIBLE *** I PAID THEM 6MOS ONLY USED THEM FOR 1.5 MOS OR LESS. WHICH MEANS THEY OWE ME 4.5 OF PAYMENTS. THEY ARE GIVING ME THE RUN AROUND. TELLING ME ITS NOT POSSIBLE TO REFUND MY CARD UNLESS ITS THE SAME *** I PAID AS IF IM STUPID AND DONT KNOW BANKING. YOU CAN REFUND A DEBIT CARD FOR ANY ***! DO NOT USE THIS ** ALL THE REVIEWS ATE TRUE. ONE CSR SAID 3-5 BS DAYS NOW THEY SAYING 3 WKS OR MORE. THEY ARE LIARS. THEY CLAIM THEY DONT KNOW HOW MUCH THEY OWE ME...I AM SO TIRED OF **MPANIES TAKING OUR MONEY THEN TREATING U LIKE YOUR STUPID AND LESS THAN. STATE FARM OWNS THIS COMPANY SO I WILL BE DOING A REVIEW ON THEM AS WELL. I WANT MY MONEY AS QUICK AS YOU TOOK IT!!!

  Business Response

  Date: 12/31/2024

  Good morning,

  Please see the attached response for BBB ******** ********* **********.

   

   

  Thank you 

  Quality Control 

• Initial Complaint

  Date:12/07/2024

  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.

  Good day Im ******* ******, my adress ******************************************** Phone: ********** Im customer of ******************** My policicy number: PAPA14 ************ I have full coverage policy My car was ***** ACCORD 2022 White color Last time when i saw my car was 25 of September 2024 I parked my car in front of the house ************** I was working 3 weeks until 11 of October 2024 When i came back on holidays, I found out my car had been stolen At the same day i caled police 911 and made incident report Police officer Mccaluley 3217 ************ TLU ******** After that I called GAINSCO AUTO Insurance and opened claim Claim number PA798594 Claim was opened by ******** ********* Fire and Theft Adjuster Mail: ********************************************* phone: ************ After few weeks with my claim worked ********* ****** *** Remote Investigator Mail: ******************************************* phone: ************ After that they send me Field Representative *** ***** Mail: ******************** phone: ************ All of them asked information about my car and repeat the same qestions again and again They call the people I live with and ask questions unrelated to the car They don't want to do the job and will do anything to avoid responsibility For the last three months, they've been wasting my time I spend a lot of money on cabs and car rentals to get around I'm still paying off my car loan and paying for auto insurance But I don't use the car because it was stolen And I just have to wait and lose my money I hope to your help to resolve this situation Thank you

  Business Response

  Date: 12/17/2024

  Please see attached response. 

• Initial Complaint

  Date:12/04/2024

  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.

  Good afternoon, I was using this auto insurance company to insure my vehicles. My policy number was INPA10762174. I had to file 2 claims for towing. I did the initial phone interview and the the claim was processed. It was spilt up into 2 claims. A month went by with no payment and EVERYTIME the agent was called I was always told they would call back or have to recut a check. Here it is December and I havent received anything yet and can not get answers from a supervisor or anyone. The total to receive was only $100, $50 per claim. Thank you for any help.

  Business Response

  Date: 12/17/2024

  please see the attached response and supporting documents. 

• Initial Complaint

  Date:11/21/2024

  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.

  My vehicle was involved in an auto accident with a Gainsco covered vehicle. Gainscos client backed into my vehicle thats not having mechanical issues that were not there before. A claim was filed the night of the accident. I have called 7xs but have yet to speak with anyone regarding my vehicle or my familys injuries. I will be forced to obtain an attorney to seek compensation at this point. I have the driver on video admitting to backing into my vehicle. But still no contact

  Business Response

  Date: 12/10/2024

  Good morning 

  Please see the attached response for BBB 22588432.

   

  Thank you 

  Quality Control 

• Initial Complaint

  Date:11/10/2024

  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 writing to formally file a complaint against Gainsco Insurance for what I believe to be unethical and bad faith practices in handling my automobile insurance claim (Claim Number: OH800793) related to an accident that occurred on October 26, 2024. I would like to provide a detailed account of what has transpired and request your agencys assistance in investigating these practices.On October 26, 2024, I was involved in an automobile accident with a driver insured by Gainsco, ******* *********. After filing a claim, I was initially informed by a representative at Gainsco named ****** that Mr. ********* did not have an active policy with Gainsco at the time of the accident. However, after further research, I discovered this was not true.Upon speaking directly with Mr. *********, he confirmed that Gainsco had dropped his policy immediately after he filed the claim. I then contacted a supervisor at Gainsco who verified that Mr. ********* did, in fact, have coverage and that his policy was canceled on October 26, the same day as the accident.This sequence of events raises serious concerns regarding Gainscos handling of this claim. The company initially provided false information about their policyholders coverage and subsequently canceled the policy on the same day as the accident, which appears to be an attempt to avoid fulfilling their obligations under the policy. This not only delayed the resolution of my claim but also seems to be a deliberate act of bad faith on Gainscos ******* a result of this delay, I have been without my vehicle, which was my only means of transportation, severely impacting my ability to work and provide for my children. I would like to formally request that your agency investigate Gainscos actions regarding this matter. Their refusal to provide accurate information and subsequent cancellation of the policy on the day of the accident appears highly suspect, and I believe this constitutes grounds for regulatory action.

  Business Response

  Date: 11/21/2024

  Good morning 

  Please see the attached response for BBB 22537404.

   

   

  Thank you 

  Quality Control 

  Customer Answer

  Date: 11/21/2024

  Dear GAINSCO Complaint Department,
  
  
  I am writing in response to your statement regarding the investigation of the claim associated with the accident that occurred on October 31, 2024, involving Mr. ********* I appreciate the detailed correspondence, but I am requesting tangible evidence to substantiate the findings outlined in your letter.
  
  
  Specifically, I am requesting:
  1.Proof of the phone number(s) and means of communication through which Mr. ******** was contacted during the investigation.
  2.A copy of the insurance card that your investigator alleges was altered, as this is central to your decision to deny coverage.
  3.Confirmation of the detective who verified the legitimacy of the insurance card at the time of the accident. This is important because I was assured of the cards legitimacy during that time.
  
  
  Please understand that a phone call or voicemail does not provide tangible evidence to validate the information being communicated. For transparency and clarity, I need documentation to ensure all steps of the investigation have been conducted properly and that I have all relevant information.
  
  
  I request that these items be sent to me in writing either via email at [your email address] or mailed to the address listed above. Your cooperation in providing this information will help resolve this matter efficiently and transparently.
  
  
  If you require any additional information or clarification, please do not hesitate to contact me. 
  
  
  Thank you for your attention to this matter. I look forward to your prompt response.
  
  ****** *****
  

  Customer Answer

  Date: 11/25/2024

  I am rejecting this response because:   

  Dear GAINSCO Complaint Department,
  
  I am writing in response to your statement regarding the investigation of the claim associated with the accident that occurred on October 31, 2024, involving Mr. ********* I appreciate the detailed correspondence, but I am requesting tangible evidence to substantiate the findings outlined in your letter.
  
  Specifically, I am requesting:
  1.Proof of the phone number(s) and means of communication through which Mr. ******** was contacted during the investigation.
  2.A copy of the insurance card that your investigator alleges was altered, as this is central to your decision to deny coverage.
  3.Confirmation of the detective who verified the legitimacy of the insurance card at the time of the accident. This is important because I was assured of the cards legitimacy during that time.
  
  Please understand that a phone call or voicemail does not provide tangible evidence to validate the information being communicated. For transparency and clarity, I need documentation to ensure all steps of the investigation have been conducted properly and that I have all relevant information.
  
  I request that these items be sent to me in writing either via email at [your email address] or mailed to the address listed above. Your cooperation in providing this information will help resolve this matter efficiently and transparently.
  
  If you require any additional information or clarification, please do not hesitate to contact me. 
  
  Thank you for your attention to this matter. I look forward to your prompt response.
  

  Business Response

  Date: 12/04/2024

  Good afternoon 

   

  Please see the attached response. 

   

   

  Thank you 

• Initial Complaint

  Date:11/04/2024

  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.

  Gainsco was the insurance provider of the person who hit my car and responsible for the damages, including (by state law) provision of a rental car. Gainsco refuses to pay for the entire rental, leaving more than 400 balance the rental agency billed me. My car is stil in repair almost 60 days. Gainsco adjustor does not return phone calls or complete the work so my car can be released to me.

  Business Response

  Date: 11/18/2024

  Please see the attached. 

• Initial Complaint

  Date:10/30/2024

  Type:Sales and Advertising 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.

  When I applied for the SR22- I had a vehicle. I applied with Gainsco which was provided by *********, after a year or so I had no vehicle as it was totaled so I applied for SR22 with no vehicle. I remember providing the end date when I applied, and the payments were set to automatic so I assumed they would stop taking payments when the end date came. Not too long ago I asked statefarn when the policy ended they said they didnt know so I called the *** and they told me it was March 3, 2024 that the policy was done with. I asked for a refund and they said no because I was being covered for any liabilities. I havent needed to use the insurance these past 7 months Ive been paying for, Im a single mom and I have had 9 surgeries throughout ********* and havent been able to work and now have a 10 month old son. Im still not working- I really need all the money I can get and Ill Im asking is for the 745$ refund from these past 7 months. I dont know what to provide or what to do to get the money back. But I tried explaining to them or asking if theres anything that can be done and they say no.

  Business Response

  Date: 11/15/2024

  Good morning 

   

  Please see the attached response for ID ********.

   

  Thank you 

  Quality Control