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:06/11/2025

  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.

  accident happened approx. 6:30 pm cst. on April 17th. I was parked at a pump at a gas station. Gainsco Insurance policy holder backed into my car. Called 911 police show up. no report they say it was on private property. Gainsco ***** say they are trying to get ahold of their policy holder and it's been over 50 days since it. They give me a run around. I've tried getting the footage from the gas stations cameras but I was literally a day late. because my car was at the shop and the body shop people were also getting the run around from Gainsco ***** ** car sat at the shop for 3 weeks. finally I had to go get it and wait on Gainsco to get ahold of their client. Gainsco says that he is a non-standard policy holder. So your telling me a person that is a non-standard holder pays higher premiums due to Accidents, dwi, ***22 and etc and didn't even call his insurance to tell them he was involved in an accident isn't gonna be held accountable for his actions. but I pay my standard insurance. I also called my insurance to let them know of what had happen has to pay for something I didn't do.

  Business Response

  Date: 06/23/2025

  Good afternoon,

   

  Please see the attached response for BBB 23453351.

   

   

  Thank you 

  Customer Answer

  Date: 06/26/2025

  I am rejecting this response because: I feel like he needs to pay for my car repair. I feel I have done everything in my power to be a good person. I called my insurance. I called the police when it happened. but he hasnt even returned a phone call or email in regards to this. So I take it if you dont want to pay for damage you caused. All you have to do is just ignore anykind of responsibility of being adult and just keep s******* the system and people who work hard for the nice things they have in life. for an insurance company to literally admit they will pay for and then just keep delaying delaying delaying due to they are trying desperately to get ahold of there client. Does he even have insurance thru them anymore? I just feel like im butting my head against a concrete wall. I really dont know what else to do. 

   

  Business Response

  Date: 07/02/2025

  Good afternoon,

   

  Please see the attached rebuttal response. 

   

   

  Thank you 

  Quality Control 

• Initial Complaint

  Date:06/05/2025

  Type:Billing 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 canceled a policy with ****** on 5/5/25 and was told I would receive my refund in the amount of roughly $250 between 8-15 business days. Those days have passed and Ive called them several times and they keep telling me the check was mailed out on 5/8/25. I would have to wait until 5/30/25 if I dont receive it by then to call to back and wait another **************************************************************** a new one. Im getting the run around about my refund thats owed to me and I dont believe it was ever mailed out. The policy number is below. **** payment plus partial deposit.

  Business Response

  Date: 06/20/2025

  Please see the attached response.

• Initial Complaint

  Date:04/29/2025

  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 in an automobile accident on 03/19/2025. I have an insurance policy with Gainsco Insurance and I have been struggling to have them provide to me accurate information about the claim the process and the funds owed to me. I have been attempting to reach the Insurance adjustor and he never calls me back nor Gainsco itself can provide me information about the claim or status. I had a bad experience when i recieved a check from the insurance company for collision in the amount of ****** and i took the check to my bank for deposit and it returned with a Stop payment notice from the insurance company. I called the insurance company trying to find out why these funds were stopped being that I was owed this money and they have no answer and state only the adjustor can tell me the reason about the stop payment, This company is giving me the run around and are not truthful in what is owed to me and also deducted funds from my bank account saying that the vehicle is a total loss and that I should not be receiving funds from them even though I paid for collision coverage. I am at a total loss monetarily and emotionally from this situation as Gainsco is not supporting me in any way and are very misleading. I am needing someone to help me find a resolution to this case as Gainsco is not willing to help. Their customer service team is very rude and condescending when you do speak to them.

  Business Response

  Date: 05/13/2025

  Pleases see the attached response. 

• Initial Complaint

  Date:03/26/2025

  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 paid my premium for 3 vehicles. I had an accident back on Jan 24, 2025. I submitted my claim, the adjuster stated it was denied due to I didn't have the right insurance. I asked for a reimbursement if such the case, they denied it also. I've been back and forth between them and the agent. They've been blaming each other. As I stated I just wanted my vehicle fixed since I wasn't at fault.

  Business Response

  Date: 04/09/2025

  Please see the attached response. 

• Initial Complaint

  Date:03/24/2025

  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.

  on March 6th 2024, I was involved in a hit and run accident. I was rear ended by a car insured by Gainsco. As of today, March 24th, after multiple calls and voicemails from both myself and my insurance company, Gainsco has yet to answer or call back to get the claim filed with them started. My car is in need of repairs and I have medical bills that need to be covered that occurred from the accident.

  Business Response

  Date: 04/03/2025

  Good afternoon 

   

  Please see the attached response. 

   

   

  Thank you 

  Quality Control 

• 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:02/25/2025

  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 had a car accident back in 2024 Dec. I contacted the business and did everything they ask protocol. I was given a claim number , I was told I would hear back from an adjuster. Ive called and called, left messages and no response. My car is still damaged .

  Business Response

  Date: 03/06/2025

  Good afternoon 

   

  Please see the attached response for BBB 22987560.

   

  Thank you 

  Quality Control 

   

   

  Business Response

  Date: 03/12/2025

  From: GAINSCO Complaints <**************************************************************************************>
  Sent: Tuesday, March 11, 2025 2:37 PM
  To: Complaints <*************************************************************************>
  Subject: Complaint ID: ********

   

  Good afternoon,

   

  May we have an extension for Complaint ID: ********.

   

   

   

  Thank you,

  ******* ******

  Quality Control Specialist

  

  MGA Insurance Company, Inc.

  P ************ | F ************

  ******************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************* | ******************************

   

  Business Response

  Date: 03/31/2025

  Good morning 

  Please see the attached response.

   

   

  Thank you 

• 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