Cruising Kitchens Lawsuit: Reef Deal, Bank Fight, Chapter 11

The Cruising Kitchens lawsuits are a string of breach-of-contract and fraud claims brought against the San Antonio custom food truck manufacturer by customers who said they paid large deposits and never received working vehicles. Those suits, along with an employee wage claim, a vendor loan default, and a dispute with the company’s lender Blue Sky Bank, are now paused inside a Chapter 11 bankruptcy case Cruising Kitchens filed on January 2, 2026, listing $3.4 million in assets against $18.2 million in liabilities and warning that no funds would be available for unsecured creditors.¹

Customer Suits Over Undelivered and Defective Trucks

The customer complaints follow a repeating pattern: a deposit paid, a delivery window missed by a year or more, and no refund. The plaintiffs range from a national retailer to a Methodist church.

Wal-Mart Transportation LLC sued in April 2024 over a $569,689 food truck ordered in 2021. When the truck arrived, Walmart said it found corrosion, doors that would not stay shut, unsecured electrical cables, and exposed framing. An automatic fire suppression system triggered and caused additional damage. Walmart rejected the truck in July 2022 and said Cruising Kitchens never issued a refund.²

SSA Group LLC sued in December 2023 over a $216,738 trailer ordered in August 2022 with a 12-week expected completion time; more than a year later, SSA said, no trailer and no refund had come. Arlington Heights United Methodist Church sued in May 2024, saying it paid a $174,039 deposit on a $232,052 truck in February 2023 and had seen neither the truck nor any demonstrated work on it more than a year later.²

Federal court filings in the Western District of Texas added more names in 2025. Goodr, Inc. filed a breach-of-contract suit in February 2025 that ended in an agreed final judgment for Goodr on July 1, 2025.³ Metro Family Practice, tied to Metro Community Health Centers, filed its own breach-of-contract action in March 2025, with discovery deadlines running into the fall.⁴ Boyne USA, Inc., the parent of Boyne Resorts, sued in May 2025; after the January 2026 bankruptcy filing, a suggestion of bankruptcy was entered and a bench trial previously set for August 2026 was paused.⁵

Employee and Vendor Claims

Two non-customer suits added pressure before the bankruptcy. In November 2023, a former employee named Joshua Davies sued, alleging the company owed him $141,043 in unpaid commissions and had cut his salary without authorization. The company denied the allegations, said the pay reduction had been agreed to, and accused him of stealing proprietary data. In March 2024, Shepherd Food Equipment, doing business as Crazy Cousins Inc., sued over a $92,746 unpaid loan and obtained a default judgment.²

The Reef Deal Behind the Cash Crunch

The customer suits piled up as Cruising Kitchens was already bleeding from a failed partnership with Reef, a ghost-kitchen operator. Starting in 2020 and 2021, the two companies agreed that Cruising Kitchens would build up to 650 trailers for Reef. Cruising Kitchens built about 200 before Reef said it had run out of money and stopped paying. Founder Cameron Davies later said he “got caught up in the fact that this ghost kitchen thing was going to be great.”²

Reef also came at Cruising Kitchens from the other direction. Its affiliate Vessel Enterprises sued in August 2023 over trailers it said it never received and obtained a default judgment. A spring 2023 attempt for Reef to pay Cruising Kitchens $1 million was blocked by the company’s lender, Blue Sky Bank. Cruising Kitchens’ January 2026 bankruptcy filing carries a $1.4 million claim against Reef for fraud and breach of contract.⁶

The Blue Sky Bank Fight

The largest single dispute is with the company’s own bank. In 2020 and 2021, Cruising Kitchens and its parent, Davies Enterprises LLC, borrowed roughly $12.8 million from Blue Sky Bank, pledging the Nolan Street warehouse and Bulverde Road properties as collateral. They defaulted by the summer of 2023, entered a forbearance agreement in August 2023, and watched it fall apart. In November 2023 the bank accelerated the loan and set a December foreclosure auction.²

Cruising Kitchens and Davies Enterprises sued Blue Sky Bank in January 2024, alleging the bank had deliberately blocked them from getting current on the loans, including by interfering with potential rental income and with the lump-sum payment Reef had tried to make. The bank denied the allegations. The parties settled in April 2024 and entered a deed-in-lieu-of-foreclosure agreement transferring real estate and equipment.²⁶

That settlement did not hold. Cruising Kitchens’ bankruptcy filing lists Blue Sky Bank as its largest unsecured creditor at $5.5 million and alleges the bank violated the deed-in-lieu agreement.⁷ The company has objected to three of the bank’s claims, the bank has responded with extensive exhibits, and a hearing is set for September 23, 2026.⁸

Christmas Eve Lockout and Chapter 11 Filing

The bankruptcy followed a lockout. On Christmas Eve 2025, the company’s landlord, Bridge Over Troubled Waters LLC, changed the locks at the San Fernando Street properties, alleging more than $550,000 in unpaid rent and operating expenses since the start of 2025. Cruising Kitchens filed an emergency motion invoking the automatic stay, saying it needed access to prevent “irreparable operational harm.” The landlord restored access on January 6, 2026, and the scheduled emergency hearing became moot.⁹

The Chapter 11 petition was filed January 2, 2026, in the U.S. Bankruptcy Court for the Western District of Texas before Judge Michael M. Parker, Case No. 26-50001. Cameron Davies, who holds 100% of the equity, signed as manager. Davies and his wife, Mary “Kaycee” Davies, filed a separate personal Chapter 11 the same day, listing $7.2 million in assets and $4.3 million in liabilities, and asked that the cases be jointly administered.⁷⁸

The petition listed between 100 and 199 creditors. Beyond Blue Sky Bank, notable names include the Kansas City Chiefs, owed $660,000 in a disputed claim now pending arbitration, along with Geneva Capital LLC, Boyne Resorts, the Texas Workforce Commission, Prosperity Bank, and Jefferson Bank.⁷⁸

Where Things Stand

As of mid-2026, the Chapter 11 case is still active. No reorganization plan has been proposed or approved, no debtor-in-possession financing has been reported, and the case has not converted to Chapter 7 liquidation. Four adversary proceedings were initiated in April 2026, involving parties including Boyne Resorts, Geneva Capital, and Second Harvest of the Big Bend. The Blue Sky Bank claim objections remain the most significant pending matter, with the September 23, 2026 docket call ahead.⁸

One boundary worth naming for customers weighing their options: the disputes are civil. No criminal charges, fraud investigations, or attorney general enforcement actions against Cameron Davies or Cruising Kitchens have been reported.⁸ Customers still owed deposits are unsecured creditors in a case whose own petition warned that no funds would be available for that class.¹

1
Bondoro. Cruising Kitchens Filing Alert
2
San Antonio Express-News. San Antonio’s Cruising Kitchens Hit Rock Bottom
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PACER Monitor. Goodr, Inc. v. Cruising Kitchens, LLC
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Justia. Metro Family Practice, Inc. v. Cruising Kitchens, LLC
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PACER Monitor. Boyne USA, Inc. v. Cruising Kitchens, LLC
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Restaurant Business Online. Food Truck Manufacturer Accuses Reef Kitchens of Fraud in Bankruptcy Filing
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San Antonio Express-News. Cruising Kitchens Files Chapter 11 Bankruptcy
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PACER Monitor. Cruising Kitchens, LLC and Cameron Davies
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San Antonio Express-News. Cruising Kitchens Landlord Property Access