Lear Capital Reviews 3,120

TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their extensive knowledge, helpfulness, and professional approach, making the investment process clear and comfortable. Many people highlight the exceptional customer service, noting that representatives are patient, informative, and go above and beyond to ensure a smooth and satisfying experience. The overall service and user experience are frequently described as excellent, with consumers appreciating the ease of transactions and the personalized attention received. However, some customers also noted issues with pricing transparency, mentioning they were not initially informed about commissions or fees. A few individuals reported unsatisfactory interactions with specific representatives, particularly when dealing with smaller investment amounts or questions about buy-back policies. There were also isolated concerns regarding unfulfilled promises, such as not receiving offered free silver or difficulties with understanding the actual value of purchased metals.

What people talk about most

Staff

People report positive experiences with staff, highlighting their helpfulness, knowledge, and... See more

Customer service

Users describe positive interactions with customer service. Many reviewers praise representatives for being... See more

Product

Reviewers mention positive feedback about product. Many customers express satisfaction with the prompt... See more

Service

Customers consistently note positive experiences with service, highlighting the professionalism and... See more

User experience

Clients share positive opinions on user experience, often highlighting how easy and seamless processes were.... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Peter G answered my numerous questions spending 30-45 minutes with me more than once over a 5 week period when I finally moved forward. I could have bought lower moving faster but he wanted me to be c... See more

Rated 5 out of 5 stars

What made it memorable you ask? Darius Steele is the answer. I have been in sales all my life (Yachts in my case) and I learned early on that once the information is passed to the client the humanity... See more

Company replied

Rated 5 out of 5 stars

Hi I was greeted with such grace. Morrey was patient with us provided helpful information regarding silver & gold. He answered all our questions he has always been available when ever we called or e... See more

Company replied

Rated 5 out of 5 stars

Frank Parrino retains his firm status as the pre-eminent account executive for Lear Capital. It is simply SOP for him to go out of his way to provide great service. In closing he is a lover of baseb... See more

Company replied


Company details

  1. Gold and silver trading company
  2. Alternative Financial Services
  3. Gold dealer
  4. Investment service
  5. Non-bank financial service
  6. Retirement Scheme

Written by the company

At Lear Capital, your long-term financial security is our main concern. We have been America's Precious Metals leader since 1997, and we strive to not only earn your business but to maintain it with superior service. We can help you diversify your portfolio by purchasing bullion, acquiring premium rare coins, or by adding physical gold and silver to your existing IRA account. Whether you're looking to realign your asset allocation, maintain an aggressive hedge against global volatility, or secure tangible retirement protection, Lear Capital has a plan for you.

About Lear Capital

Written by the company

The Precious Metals Leaders Since 1997
At Lear Capital, your long-term financial security is our main concern. We have been America's Precious Metals leader since 1997, and we strive to not only earn your business but to maintain it with superior service. We can help you diversify your portfolio by purchasing bullion, acquiring premium rare coins, or by adding physical gold and silver to your existing IRA account. Whether you're looking to realign your asset allocation, maintain an aggressive hedge against global volatility, or secure tangible retirement protection, Lear Capital has a plan for you. We know you have a choice when it comes to investing in precious metals, and Lear has a streamlined acquisition process making your transactions FAST and EASY. We provide you with a personal account representative, a secure ordering environment, and a "real-time" investment relationship that keeps you abreast of spot pricing, precious metals news, and economic events that impact your retirement and your future. We also provide an industry leading Price Advantage Guarantee. Lear Capital is proud to have earned an A+ rating from the BBB and an AAA rating with the Business Consumer Alliance. We are also a PCGS (Professional Coin Grading Service) Authorized Dealer giving our customers the benefit of coin Grading Accuracy and Authenticity. We abide by the NGC's (Premium Guaranty Corporation) coin grading Standard of Integrity, and we support the ICTA (Industry Council for Tangible Assets) on issues of taxation, IRS regulations, and legislation that impacts all tangible assets.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

3K reviews

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Rated 5 out of 5 stars

Metal Review

The sales person was very helpful on deciding what investment way to. go and thinking of are further!,,I really appercite his input!,,

26 November 2025
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Reply from Lear Capital

John, thank you for your kind words about our team member! We are glad you feel good about your purchase and felt empowered in your investment decisions. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

Connor & Brendan

Connor & Brendan are very professional and a pleasure to talk to.

25 November 2025
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Reply from Lear Capital

Linda, thank you for the 5-star review of Conor and Brendan! We are pleased that you received professional and personable assistance, and we appreciate you taking the time to share. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

Very knowledgeable

Very knowledgeable, quick responses, friendly and patient with my questions or concerns.

25 November 2025
Lear Capital logo

Reply from Lear Capital

Kami, thank you for the 5-star review of our business! We are thrilled you received knowledgeable and responsive communication from our team. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

It took us a while but we got there. :)

It took us forever to figure out which option to choose. Once we finally made a decision, they were there to help us figure out the quickest way to move forward. It was fast and easy. They were awesome!!

25 November 2025
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Reply from Lear Capital

Phyllis, thank you for taking the time to share your positive experience with us! We are pleased that your transaction went smoothly, and we hope that you received plenty of information, helpful options and patient assistance for your decisions. Thank you for choosing Lear Capital.

Rated 4 out of 5 stars

Everything went great

Everything went great. With the exception that I was promised a phone call when my order about to arrive. The phone call never came and my order came earlier than expected. Fortunately I happened to be home that day.

24 November 2025
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Reply from Lear Capital

Joe, thank you for your gracious feedback about your experience. We are sorry you didn't get the update call that you were promised, and we apologize that the timing was off too. We're glad it worked out that you were home. If there's anything we can do to improve your experience, please don't hesitate to reach out to CustomerCare@learcapital.com or 1-800-885-LEAR(5327). Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

Marrey has been really great to work…

Marrey has been really great to work with and always explains how the gold and silver prices are doing and lets me know that he is always available if I have questions. I am very happy with my purchases and feel that it is a safe investment.

24 November 2025
Lear Capital logo

Reply from Lear Capital

Blakleys, thank you for your 5-star review of Morrey! We are thrilled that he has been informative in your investment process and responsive to your calls. Thank you for choosing Lear Capital.

Rated 4 out of 5 stars

Gold/silver purchase No hassle

No hassle. All questions answered satisfactorily. Shipments arrriveld as expected.

24 November 2025
Lear Capital logo

Reply from Lear Capital

Merle, thank you for your kind words about our business. We are glad you received helpful information and a hassle-free shipment. If there's anything we can do to improve your experience, please don't hesitate to reach out to CustomerCare@learcapital.com or 1-800-885-LEAR(5327). Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

My coin order replacement in 2 days!

Upon delivery of mycoin order I discovered several coins had a white milky film on them. I called Joanna Verbon, my personal account representative from Lear Capital in LA, CA immediately put the replacement order into to action. I had my replacements in two days via FedEx.

11 November 2025
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Reply from Lear Capital

Beverly & Steve, thank you for sharing your positive experience with Joanne! We are sorry that some coins were not initially satisfactory, but we are glad to hear that our team was able to remedy the situation quickly. Thank you for choosing Lear Capital.

Rated 1 out of 5 stars

Misleading Pricing, Broken Promises, and Very Disappointing Experience

I invested $20,000 in gold with Lear Capital in January after hearing about them on the Redacted show. Gold was about $2,694/oz at the time, but I was charged the equivalent of roughly $4,831/oz. I received 26 coins at $780 each, even though each contains only 0.1867 oz of gold. I was never clearly told what the true per-ounce cost would be.
A few months later, I had to sell some coins back and was offered only $621 per coin, despite gold prices rising. After calculating everything, I realized I had paid close to an 80% markup. I later learned the markup on my $20,000 purchase was about 33%—something I do not feel was transparently disclosed.
I filed a complaint and spoke multiple times with a customer relations officer (“JJ”). I was told I would receive $4,000 worth of additional gold as compensation, but the depository statement shows the added gold is only worth about $1,200. This left me feeling misled a second time.
I also discovered public information about past lawsuits and bankruptcy involving Lear Capital related to alleged deceptive practices, which added to my concerns. I was told they don’t record calls, which surprised me considering the nature of these transactions.
I accept responsibility for not asking more questions, but my overall experience has been extremely disappointing. The lack of transparency, high markups, and failure to follow through on promised compensation have made me lose trust in this company. I hope my review helps others make an informed decision.

11 February 2025
Lear Capital logo

Reply from Lear Capital

Hi again, Rebecca. We are sorry to hear you are upset by your investment with us. Honestly, we are a bit confused by the numbers you shared. We went back and verified that the agreed amount was definitely deposited to your account, and overall, your investment has been profitable even while making multiple withdrawals after less than a year (which we really don't recommend).

We are sorry it's been such a difficult year for you, and we're sorry for the turmoil of loss and grief you've been under. However, we hope to clear up some misunderstanding about your account with us so that you can feel a bit better. Apologies for any unclear documents you've received from the depository! Please give Jeremy a call back as soon as you get a chance. Thank you for your time.

Rated 5 out of 5 stars

Great customer interaction

I converted a 401K with no clue how to do it. I worked with Josh and he explained everything in a way I could understand. The whole process was much easier than I expected.

20 November 2025
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Reply from Lear Capital

Patricia, thank you for the gracious feedback about Josh! We are pleased that he provided knowledgeable information and competent assistance for your transaction. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

We are very happy

We are very happy, with the experience, that the Lear Capital representative gave us!!
We were treated, with respect and your professionalism!!

20 November 2025
Lear Capital logo

Reply from Lear Capital

Marta, thank you for kind words about our team! We are pleased that you received professional and respectful assistance in your investment process. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

A great experience

From beginning to end the Lear representatives were helpful, courteous, and kind. They gave great advice and instructions from step 1 to the last step. This is a company you can invest with and not worry. Top notch!!!

20 November 2025
Lear Capital logo

Reply from Lear Capital

Thank you for the encouraging feedback about our team! We are thrilled that you received kind and helpful assistance in your investment process, and we appreciate you taking the time to share. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars
Lear Capital logo

Reply from Lear Capital

Andrew, thank you for the 5-star review! We are glad that you felt well-cared for in your purchase. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

Cal from Lear Capital provided…

Cal from Lear Capital provided excellent guidance from setting up our account to receiving our first purchase of gold and silver. Looking forward to future transitions and a long relationship with Lear Capital.

19 November 2025
Lear Capital logo

Reply from Lear Capital

Gabe and Carmen, thank you for the encouraging words about Cal! We love hearing that you received helpful information and good communication with our team. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

The AE did a great job with everything

The AE did a great job with everything. The only problem was that Fed Ex did not deliver the package when originally scheduled, it was a day late.

18 November 2025
Lear Capital logo

Reply from Lear Capital

Linda, thank you for taking the time to share your gracious feedback with us. We are glad that our team offered professional service, and we are sorry to hear that FedEx delayed your delivery. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

The response to my initial feeling of indifference was exceptionally professional and sincere. Lear's response was above reproach, exceeding my original impression! Thank you!

I was treated with outstanding customer service until I had to change my purchase from around $35K to what I currently had on hand: $7K.

At that time my 'account exec' said: "Can't you sell some stock?" (Really none of his business) I was relegated to his 'associate'. I sent two emails to A. E. and they were referred to the Assoc to handle.

I ignored this at first. Then just a couple of days ago I asked about setting up an account whereby I could see what my 'meager' silver purchase was doing. I received a brief note from Assoc to contact depository...here's the a/c no.....he 'thought' they sent out info twice a year, but he had a phone no. I could call.

I staying the course...but feel most unimportant to the business of Lear Capital and will follow up with referrals to other organizations within my professional and personal communities.

Sadly,
Stephanie G. Ritchie
Dallas TX

13 October 2025
Lear Capital logo

Reply from Lear Capital

Hi Stephanie, thank you for taking the time to share your feedback with us. We are so sorry that you experienced a shift of treatment, and we promptly addressed our team with your concerns. If there's anything we can do to improve your experience, please don't hesitate to reach out to CustomerCare@learcapital.com or 1-800-885-LEAR(5327).

Updated: Stephanie, thank you for sharing your updated experience with us! We appreciate your time in allowing us to follow up with your concerns, and we are glad our team was able to sufficiently address them. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

Great and Easy Way to Purchase Precious Metals

My account Exec. Dmitri has made purchasing gold and silver coins easy and fun. He explains every step in a friendly and professional way.

18 November 2025
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Reply from Lear Capital

Donald, thank you for your kind feedback about Dmitri! We are glad he has been personable and professional in your investment process, and we are glad you've enjoyed getting your coins! Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

Feeling that my money is in good hands

For the past year, I have been quite nervous about the possibility of a stock market crash because so much domestic and international political instability is now occurring. I first found out about Lear Capital because it sponsors Judge Napolitano’s news program entitled “Judging Freedom,” which I watch almost every weekday. Because I have come to trust Napolitano, I contacted Lear Capital and was put in touch with an agent who explained to me the ins and outs of investing in gold and silver. He carefully addressed every question that I asked and continues to send me updates about situations affecting financial markets. I am quite relieved that my money is now not only in a safe place, but also gaining in value. Thank you!!!

30 September 2025
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Reply from Lear Capital

Bette, thank you for taking the time to share your positive experience with us! We are pleased that our team was able to address your questions skillfully and provide helpful information for your investment process. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

Sam Dissanayake has always explained…

Sam Dissanayake has always explained every I ever asked. He is well informed and ensure I am aware when my shipment are going to arrive.

17 November 2025
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Reply from Lear Capital

Timothy, thank you for the kind words about Sam! We are happy that you received knowledgeable and informative communication in your investment process. Thank you for choosing Lear Capital.

Rated 5 out of 5 stars

The process is secure from the very beginning of ordering your metals to the time of delivery.to .

Yes I was nervous at the beginning since this was all new to me but the agent that helped me at the beginning gaves me information that helped me to determine what metals I thought would be best for me to purchase. Thank you Lears for making this a pleasant experience for me. I even recieved my order three days ahead of schedule.

13 November 2025
Lear Capital logo

Reply from Lear Capital

Dorothy, thank you for the 5-star review of our business! We are glad we were able to provide you with a clear and secure order, and we appreciate your trust in us despite the newness. Thank you for choosing Lear Capital.

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