ComplaintsforLear Capital, Inc.

• Initial Complaint

  04/05/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I rolled over $30,000 from my retirement account on 9/13/23 to purchase gold, but I was never told about how much or the percent that **** would take from me as a fee. I specifically asked multiple times what the fees would be in terms of a dollar amount but they always defer to an explanation of a spread across a period of time, and never answer the question specifically. At no point did I ever consent to lyric taking over $10,000 in fees and now the value of my investment has declined drastically. I want my money back, and I did not consent to such a high fee. Based on other customer complaints here on the ********************, it is clear that their capitals practices are misleading customers regarding their fee structure. We need to start a Class Action Lawsuit because of Lear Capitals misleading practices.

  Business response

  04/11/2024

  ************** secured her Lear Capital order via a recorded Verbal Confirmation.  On that recording, she was told the ask-to-cost spread fee that she was paying.  As a response to that, she agreed to the fee that was stated on that recording.

  Also, on that same recording, ************** was told what she was buying and what she was paying for each similar coin, and she agreed to make the very purchase of the coins that she received.

  With patience, and provided the precious metals market moves up enough, ************** will hopefully find the results of her purchase to be ultimately satisfactory.

• Initial Complaint

  03/27/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I invested 2 iras with lear capital and now that i want to change my metal portfolio they wont answer my calls! They are the ones who say they will buy back what they sold me and also change it as well. Now they won't answer my calls and I cant deal with them if they don't answer. They are not in compliance with their agreement to me about buying back the metals they sold me or about exhanging the silver to gold. What can I do now that this company is not doing what they agreed to do? Please advise

  Business response

  04/03/2024

  We maintain tight phone records at Lear Capital.  With rare exception, it appears that when ***************** has reached out to us, and no one was available to speak with her, she has received a return phone call from someone at Lear Capital shortly thereafter.

  If ****************** has called ** from another phone number that we do not have on file, and she did not leave a message for someone to call her back, we suggest that she leaves a message in the future anytime she phones Lear Capital.

  Also, we have reached out recently to ****************** and have not received a response.

  Lear Capital encourages ****************** to try to call us again, and we would be happy to speak with her regarding any questions or concerns that she has.

• Initial Complaint

  03/04/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Lear Capital is a scam company that will promise you big profits within three years but will skim so much off the top during the initial purchase youll never be able to make it up. Do not do business with these crooks. Ive lost about half my initial investment over a 3 year period. Everything they told me was a big web of lies. They told me if inflation went up so would my investment. Well inflation has skyrocketed and my investment continues to dwindle. **** misrepresented themselves to me in every way possible.

  Business response

  03/14/2024

  At the time of his purchase, ****************** was told what he was buying and what he was paying for each like-kind item being purchased from Lear Capital,and ****************** approved of that exact order on a recorded verbal confirmation.

  ****************** was told that the recommended hold period for his precious metals is at least 3 to 5 years," and he agreed to this suggested hold period on the recorded verbal confirmation used to place his order.  We have not reached the 3-year **** since ***************** made his purchase.

  If ****************** was to give his coins the recommended hold period of at least 3 to 5 years, he might be surprised by the results of his precious metals purchase.

  Customer response

  03/17/2024

   
  Complaint: 21378174
  
  I am rejecting this response because:  I made the investment on April 27, of 2021, so I have almost reached my 3-year anniversary of purchasing precious medals and I've lost over $30,000 of my investment.  While I agreed to those term on the closing day, I was urged to act fast because inflation was coming which would increase the value of my investment almost immediately.  I was also told by *************************** that investments hardly ever lose more than 10% of their values after the time of purchase.  To say I was misled is an understatement.  100% of the times I check the value of my investment, it declines in value.  **** uses a high pressure sales tactic on the front end to make the investment look attractive.   This is by far the worst investment I've ever made!  Shame on Lear Capital.  They skimmed so much off my initial investment, I'll never get it back. 

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

  Business response

  04/10/2024

  Our typical time recommendation is a hold period of at least 3 to 5 years, which means that the minimum hold period is 3 years, and the maximum hold period could potentially exceed 5 years.

  We are not at even at the 3-year **** at this point when it comes to ****************** purchase.

  With patience, ****************** will hopefully see results that he is ultimately satisfied with.

  Customer response

  04/11/2024

   
  Complaint: 21378174
  
  I am rejecting this response because:  I am within two weeks of the 'magical' three year anniversary of purchasing my precious medals and my investment has lost approximately $30,000.  Do your homework if you are considering investing with ****.  I cannot find a single investor that had made a dime with **** *******.  
  
  Sincerely,
  
  ***************************

  Business response

  04/11/2024

  Lear Capital set the expectations - expectations that ***************** agreed to on the recording used to place his order that the suggested hold period was at least 3 to 5 years for ****************** precious metals purchase.  The minimum hold period that was recommended was 3 years, however this does not indicate that only 3 years was enough time to see results.  Any sort of potential results could take up to 5 years or longer.

  Lear Capital asks ****************** to be willing to invest the hold period of at least 3 to 5 years that he agreed to at the time that he made his precious metals purchase.

• Initial Complaint

  01/22/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I rolled over my $249,000 CD into gold and silver. Now it is less that $120,000. I was manipulated into agreeing to their 34% service fee.

  Business response

  01/26/2024

  Lear Capital typically encourages a hold period for precious metals of at least 3 to 5 years.  This suggestion was made both verbally and in writing to ******************, and he agreed to this hold-period suggestion in both instances.

  ****************** has owned the precious metals that he had purchased from Lear Capital for less than a year.

  Also, on the recording used to place his order, ****************** was told exactly what he was buying, exactly what he was paying for each like-kind item, and the spread fee that he was being charged, as well as other important disclosures, and ****************** agreed to all of these considerations.

  This recording was sent to ******************, as was a copy of the Lear Capital Transaction Agreement that ****************** signed and returned to Lear Capital when he made his purchase.

  The metals market has fluctuated since ****************** made his purchase, and he has not overcome the fee that he was charged.

  With patience, ****************** will hopefully see improvement in the performance of his purchased coins.

  Customer response

  01/29/2024

   
  Complaint: 21182331
  
  I am rejecting this response because:**** stole my money there no other way to look at it.I roll over ****** and in a few months its now ****** thay said 34percent but charge me over 50 percent this company should not be in business.Thay file bankrupcty for same bad practices. Why are thay still able run there so call business? When there stealing everyone money.Why is are government allowing this to go on? Thay should be in jail
  
  Sincerely,
  
  *************************

  Business response

  02/13/2024

  At the time that ****************** made his purchase, he was told what he was purchasing, what fee he was being charged for that exact purchase,and a number of other important disclosures, one of which being that we encourage a hold period of at least 3 to 5 years.

  ****************** has owned his purchased coins for less than a year, and ****************** agreed to all of the above terms of his purchase.  It ****************** can be patient, ideally, he will see a meaningful benefit from his coins.

  Customer response

  02/13/2024

   
  Complaint: 21182331
  
  I am rejecting this response because:
  TheThe business lied  stole my money. There's no other way to look at it. I have many government agents working on this. They broke many government laws.

  And Broke there agreement, they made with the bankruptcy. I'm also contacking the f. B. I. Someone needs to go to jail. It's far from over. Thank you for your help and concern.

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

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

• Initial Complaint

  01/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Invested $124,000.00 with Lear Capital in Precious Metals. As I see in many, many other complaints, other people have the same complaint I do. Lear Capital's 38% markup should be held criminal. They did not mention it until they already have your money. Sure you sign the paperwork because they sweet talk/Sucker you into it with the "Baffle them with B.S." line of speak.I now consuider this to be false pretenses, false promises. I don't care what paperwork was signed at the time. I can't sell until the Gold spot price is over $2,225.00 an ounce without losing money because **** takes their unjustified 38% right off the top. I've verified the Spot prices for all coins Equity Trust is using for current Account value, compared to what Lear Capital charged me per coin. In all cases they charged me double. How is this even legal? Lear Capital is a Scam and I intend to get the word out.

  Business response

  02/13/2024

  Lear Capital reached out to **************.

  Immediately, ************** quickly stated a number of concerns that he had with Lear Capital, then he hung up the phone.

  ************** was called back, and a message was left with him requesting that he provided some more information and that we would be happy to hear anything else that he would like to address.

  Several days have passed, and ************** has not called.  He has no obligation to call Lear Capital, however we are open to addressing his concerns with him in a more complete manner.

  Regarding his order, ************** was told what he was buying,the fee associated with his purchase, a number of other important considerations,and that we encourage a hold period for precious metals of at least 3 to 5 years.  It has been a bit less than a year and a half since ************** made his purchase, and with patience, ideally ************** will see results that he is ultimately happy with.

  Customer response

  02/14/2024

   
  Complaint: 21131673
  
  I am rejecting this response because:  If you read all the other complaints, their response is nothing more than a copy/paste standard response they gave to everybody who made my EXACT same complaint. I hung up on him because I already knew any response would be B.S. and their view is simply I signed the paper work. I will not accept their response, I intend to leave this open for others to read, again, in the high hopes someone has the know how to start a Class Action Lawsuit against these people for their Slimy, used car salesman sales tactics. I will also make it my lifes mission to advise the public to be very aware should they mistakenly decide to do business with Lear Capital. 38% is Highway Robbery!. I cannot sell, even after holding for their reccommended 5 years because their 38% cut means I can't sell until gold is over $2,600.00+ without taking a loss. That will never happen in my life time. They pray on seniors and feel they can get away with it because of their standard reply, "You signed the paper work, we have recordings of explainations to you". They explain things like sleazy used car salesman, and their rate is practically a last minute "Oh by the way we have a 38% overhead", when you almost feel it's too late to back out.

  This is a Firm rejection!
  
  Sincerely,
  
  *******************

  Business response

  03/04/2024

  When Mr. ****** concerns were escalated beyond his original account representative at Lear Capital, ************** hung up the phone on us.

  Lear Capital encourages ************** to reengaged with Lear Capital,because we would be happy to address his questions and concerns directly.

  Again, it is important to note that ************** made his purchase less than a year and a half ago, and since we recommended a hold period of at least 3 to 5 years, which is what ************** agreed to, we continue to stand behind that suggested hold period and hope that ************** will be much more satisfied with the results if he was to hold on to his coins for that recommended time frame.

  Customer response

  03/06/2024

   
  Complaint: 21131673
  
  I am rejecting this response because: I am not comfortable with anything LEAR CAPITAL  has to say. I will not engage in any further commications with them.

  I'm researhing if any Class Action Lawsuits have been discussed concerning the many, many similar complaintants I've read on this very web site.
  
  Sincerely,
  
  *******************

• Initial Complaint

  01/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had $117,000 in my Vangurad account. I rolled it over into gold with Lear Capital. From the very start I told them I wanted 1 ounce gold American eagle coins only. ********************* from **** called me to arrange my investment and for about 5 minutes told me to answer yes to the investment. He spoke very fast .when I received my statement I noticed he invested my money into 139 1/4 ounce coins. I called him numerous times with no resolution. My phone was then directed to ****** *****. He said he would try and get me some 1 ounce coins. Not knowing the actual value of my portfolio at the time he asked me how many coins would Satisfy me. My son said 15, it took several weeks and finally he let me know he was able to get them for me. When I looked at my statement I only had $99,000 in my portfolio. I emailed and called him with no response. With the increase in gold in the past few months I now have $102,000. Lear Capital defrauded me out of $17,000. I searched the internet and found the did the exact same deal with someone else. I want them to give me my retirement money back of $17,000. PLEASE HELP Thank you ***********************

  Business response

  02/14/2024

  **************** and Lear Capital have worked out a solution that **************** has expressed satisfaction towards.

• Initial Complaint

  12/07/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  In February of 2017 I purchased ******* worth of precious metals from Lear Capital telling them I was not a coin collector or interested in buying there minted coins, after a year a received an invoice showing the account to be ****** short of what ot should have been. After complaining on many consumer protection platforms and the CA district attorney's office contacting me, they called and said they would refund my money in question after me signing a form to let them put funds into the account they would not discuss the details of how that would take place and would not speak to me when I called and said I could only speak with then a manager ***************************. After threatening me on multiple occasions with high caliber company lawyers that would chew me up and spit me out if I did seek legal help. The week of the refund which was never made clear due to a 3rd party in charge of those funds I recieved delivey invoices to my house that never happened and then I received a check for the entire investment 149 k. I purchased gold at **** dollars per ounce that over doubled in a short time that I lost out on. I called their office again today asking to get the account and the profits back and talked to ****** again and he basically told me I should be happy getting a refund, during all of this gold has never come down and I am sure they enjoyed the investment an profits. I cannot buy at that price ever again the opportunity is lost and I am 70 years old and it ruined our investment opportunities pulling it out of the stock market where it would have doubled. This Manager continued to lie and string me along and finally take my entire investment (150k) rather than the 50k that was taken from me. That money would now be 300k plus and was a good investment but a preditory sales team cheated me. This company has lost in the ******************* many law suites of this time and deemed a crooked company. I just want what I purchased in a good investment. Please help

  Business response

  12/22/2023

  **************** was given a full refund nearly 4.5 years ago.  That is what he requested in the desired solution portion of his complaint.  Also, this accommodation was made under a special set of circumstances.

  Customer response

  01/05/2024

   
  Complaint: 20956595
  
  I am rejecting this response because:            When I saw that my account was missing roughly 30% of the amount that I opened the **** account with around $50.00 that they took by selling me coins that are much more expensive that the Bullion price which is what I was interested in purchasing, I told them form the start that I was not a coin collector and had no interest that only the ounce price as an investment a year later I found out that the sales person made the decision to purchase coins. I saw the amount a year later and called immediately and complained. I was sent to a **************** who was a manager and we agued for multiple calls and it became very heated with ** threatening me with company lawyers that would "chew me up and spit me out". I got nowhere with him as he said I had buyers remorse when we both knew the salesman (*****) sold me something that I had  made clear I did not want and I am sure this was done for commissionable sales for up selling customers to specialized coins.
              Then I was made aware of the *******************'s district attorney was taking action with Lear Capital for this type of predatory sales exactly like mine with many other victims that where senior citizens, wounded military, and many people like me that did know the ins and outs of precious metal investments. ** called me one day and said they would like to refund my money to me and that might help make **** look more favorable in the eyes of the ********** ** and of course I was very happy that I would get back my 50 K that they took form me. The Issue was after I accepted and electronically signed the paperwork for the account transfer they went dark and I had many questions and when I called the office as much as 10 times the could not discuss my account only with JJ which was on vacation. I did not want to give up my purchases of gold and silver  and in that market that I had purchased at a very good price as we know has doubled in the last five years at their high.
              I then started getting notices for delivery form Brinks delivery in the next few days, that was all a deceitful trick for me not stopping this purchase and contacting Strata the company that hold your precious metals for you the delivery was set up for Monday so that was a long weekend. Monday morning I received and email of cancellation for the delivery and I called Strata and there was no precious metals and my initial investment in cash was in the account dormant and remained that way again I did not want to pull the investment only receive the precious metals that I purchased in the first place which was to put my 50K back.
              It is important to say that I have tried to get legal help with this but cannot afford the 10K retainer for lawyers. That invest which I purchased the gold for $12,000.00 an ounce had over doubled in that 5 years  plus the fact that I was out of the market for  5 years due to the fact that I was told if I took the money out of the Strata account It could be a problem so I did not touch it. this cost me thousands and thousands of dollars that if they had not cheated me would have been a great once in a lifetime instead at 69 years old and made nothing on this money for many years  due to the predatory sales techniques that they later where charged and lost to in ********** although the ** questioned me I was not involved in the legal charges but I know there are many people and millions of dollars involved. I also remember ****** the manager telling me that they could go bankrupt if they had to pay it all back.
  
  In this case a full refund is buying my investment low and they never did discuss how they would Refund my money that was taken out with no explanation of the monies not in question but the replacement of the original agreement in Bullion. They basically stole my money put a Hush order on my calls to the entire office told to me by ******@**** when he answered my call. Why would they except there where thousands of dollars involved gold for example 12k per ounce, during this time period hit a high of 28k involved if bought on those prices while pulling my money out of the market for 5 years, ************** the manager at that time now demoted lied and threatened me with lawyers I could not fight.

  Why then is **** through an outside source sending me $800. plus which is not close to what they cost me in Gold and silver and in settlement with the ***********. I attached the information and since received a check for $545.00.
  
  Sincerely,
  
  ***********************

  Business response

  01/11/2024

  **************** was given a full refund nearly 4.5 years ago.  Again, that is what he requested in the desired solution portion of his initial submission in his current complaint.  This accommodation was made under a special set of circumstances.  Also, there are several aspects of Mr. ******* story as outlined in his complaint that are simply inaccurate.

• Initial Complaint

  11/07/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I invested $58,195.39 in precious metals in June, 2022 and today my account is worth $35,990.70, when metals have only risen in value during the invested time period. I want my original investment amount returned or I will go public with my experience and seek criminal charges against Lear Capital.

  Business response

  11/17/2023

  We have reached out to ******************** multiple times, and he has not called us back.

  It seems that some of the figures that he referenced in his complaint are not accurate within the confines of his dealings with Lear Capital.

  We encourage ******************** to call Lear Capital at ************** in order to discuss his specific situation.

• Initial Complaint

  11/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I transferred my 401K and **** 401K into a precious metals account using ******************** at the end of August 2023. On 21 Sept 2023 the transfer was completed and my precious metals were placed in storage. Throughout the month, *******************, Senior Account Executive in charge of my account, promised repeatedly that all fees related to the transfer and opening the new account would be paid by Lear Capital. The fees included transfer from my previous 401K, transfer into the new **** and opening accounts totaling $800. ******************* has stated multiple times that the reimbursment check was either in the mail already, or he was about to ***** the check to me. When asked why the check never arrived, ******************* stated 'it's only $800' and apparently not worth his time to send. On Monday 23 October 2023 I received a check for $50 with no explanation as to where the remainder of the money is, or when I would receive the $750,

  Business response

  11/16/2023

  Lear Capital reached out to ************************, we addressed his concerns, and he is now satisfied with his dealings with Lear Capital.

• Initial Complaint

  10/11/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On or around June 21, 2023, I began speaking with ********************* of Lear Capital when I called in regarding investing in gold and silver. ****************** was very kind and courteous and told me how Lear Capital was #1 in the industry among other things that put the company in the spotlight. *** continued to call me, as any salesman who is trying to make a sale would, always having time to answer questions and putting the company up on a pedestal. He had asked me how much I was thinking of investing, and I told him that I only had $120K in my 401K. I was tired of seeing my money disappear, so I wanted it somewhere safe where it could potentially make money. He said that investing in gold and silver was a good choice. He tried to get me to invest all of my money, but I told him that I would only do half ($60,000). He told me that Lear Capital would not charge me any fees for the first three years. In fact, they were going to give me $1,300.00 in free gold when I opened my account. He told me to contact ADP who managed my 401K, and begin the withdrawal of $60,000. When I received the check, put it in the envelope that he would be sending me, and send it off. In the meantime, I will be receiving an email from Equity Trust to make my portfolio, so that way I will be able to manage my account. The check came, and I sent it off. It wasn't until I checked on Sept. 27th that I finally got to view my portfolio. At this time, I saw that my $60K was now $30K. I immediately called *** to ask him where all my money went, and his response was "its the melt price". Well as far as I can tell, that means the amount of your assets today. I called Equity Trust to ask the same question, and I basically got the same answer. I can finally see that I have been taken advantage of and misled, as Lear Capital does not charge fees, but there are fees where everyone else is concerned. This was not disclosed to me, nor was that my $60K would turn into $30K in a minute.

  Business response

  11/03/2023

  We appreciate ******************** expressing her concerns with Lear Capital.  At the time of purchase, ******************** was told exactly what she was buying and exactly what she was paying for each like-kind item.  She was, also, provided fee information pertaining to her purchase, and she agreed to all of these terms, along with a number of other important stipulations.   We encourage a hold period of at least 3 to 5 years, which was proposed to and approved by ******************** on a recording at the time that she placed her order.  It has been less than 4 months since she made her purchase.  With patience, ******************** might possibly experience results that she finds to be favorable.

  Customer response

  11/07/2023

   
  Complaint: 20727144
  
  I am rejecting this response because: the response is not true.  When I spoke with ****** ***** of Lear Capital, (he reached out to me because of the complaint), he told me that I was notified of the charges by Lear Capital by saying that there is 38% in the spread price.  At that moment, I did remember him saying that to me during our rushed conversation over the telephone while I was at work and had to get off the phone, but I didn't know what that meant, and since *********************** assured me that he was not s******* me over and that I was doing the right thing, I didn't think it was that important.  Why can't they just say that Lear Capital charges 38% over what they pay for the coins so that people can understand what they are getting for their money?  I mean when I initially called in, I was told that Lear Capital doesn't charge any fees.  That was stressed over and over to me.  If they don't charge any fees, why was I charged a 38% increase on the metals purchased? As far as what coins and the price of them, I never chose those coins nor did I know how much they cost.  I still to this day have never received an invoice. Put it this way....Lear Capital is advertising that people should invest their hard earned money in gold so that they have their money when they are ready to retire since gold never loses its value.  Who, in their right mind, that is wanting to make an investment and within 10 years of retirement, would hand over $60K to get $30K in return?  The gold would have to more than double to make any money and will have to double just to break even.  If they had just a straight forward conversation with their clients instead of talking in a language they don't understand, less people would be investing in precious metals,  and they wouldn't have all these complaints to deal with.  I really feel that they are very deceptive in their conversations, and that they should be ashamed of themselves for stealing peoples hard earned money.  I have read the reviews by other people, and it is really sad what they put these people through.  People are stressing over how they are going to make it in life and trust these people with their money to make them more comfortable knowing that their money will be safe for when they retire, and in reality, they steal half of it right from the beginning.  I am very unhappy with Lear Capital and am telling everybody I know NOT to invest in precious metals.
  
  Sincerely,
  
  *****************************

  Business response

  11/20/2023

  What ******************** has to say is important to Lear Capital,and we left her multiple messages in order to address her new response concerns directly.

  
  We have not heard back from her; however, we still welcome a phone call from *********************

  
  Unfortunately, several of the numbers in Ms. ********* recent complaint response are not accurate, and we would like to be able to directly illustrate that to her.

  
  Regarding other aspects of Ms. ********* most recent response,she referenced the fee that she was charged. This fee was told to her on the recording used to place her order, and she agreed to this fee on that recording.

  
  Also, a Lear Capital Transaction Agreement was furnished to *********************  That agreement outlines a number of important considerations, including Ms. ********* potential fee range and even gives a mathematical example of how the fee is calculated.  The fee that ******************** was charged falls within the range shown on the agreement.

  
  ******************** signed this agreement and shared it with Lear Capital.  A scanned copy of the signed agreement is in our database, and it can be provided to ******************** if requested by her.

  
  In addition to that, we encourage a hold period of at least 3 to 5 years.  It has not been 6 months since ******************** made her purchase.

  
  Again, with patience, ******************** can potentially see results that she might feel better about.

  Customer response

  11/28/2023

   
  Complaint: 20727144
  
  I am rejecting this response because: it all boils down to the fact that I was taken advantage of due to my lack of knowledge, and Lear Capital took 1/2 of my investment.  Again, when I called in and spoke to ***, I told him that I was tired of seeing my money that I have worked so hard for, disappear.  Therefore, I was looking to take my money out of my 401(k) and put it into something safe where it could potentially make money, like gold and silver.  I was told that there were no fees and that I was going to be given $1,300.00 in free gold.  *** asked how much I wanted to invest, gave me instructions on getting my money out of my 401(k) and sending him the check, and sent me instructions on setting up my account with My Equity Trust.

  When the day came to sign the agreement, I was at work (which I can't be on the phone for personal business) so we were ******* through the Doc u sign.  *** was using words known to the precious metal industry, not by the uneducated in precious metals.  If Lear Capital has this transaction on a recorded line like they say, then they will also hear me saying to Lev that he had better not be s******* me over because everybody knows how long it takes to read a contract, and its something you don't do over the phone.  *** was telling me what that portion of the contract said and told me to sign it.

  Again, I was looking to put my money somewhere safe, and half of it was gone from the very beginning.  He knew what I wanted and what I was looking to do, but still did what he did to line his own pockets with my money.  Why not sell me gold and silver bars instead of Lear Capitals coins?  Because Lear Capitals Exclusive coins cost a lot more and Lear Capital makes more money off of them which helped line those pockets.

  When a little kid is standing on the corner selling lemonade for .50 cents a cup to help his mama with the bills, most people would give him a buck and tell him to keep the change.  Lear Capital would run with the cup of lemonade and not pay plus steal the money from the kid that he had already made.  I feel like that kid.
  
  Sincerely,
  
  *****************************

*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. ↩