(Intro: Don't sugarcoat it. Acknowledge that a Google search for "Lear Capital" often brings up "lawsuit" or "scam". State that we are going to look at the facts—both the ugly past and the cleaned-up present.)
The Verdict: They've Turned a Corner
Lear Capital has settled its past regulatory issues and has made significant changes to its transparency and fee structures. Today, they hold an A+ rating with the BBB and have thousands of 5-star reviews, indicating a successful turnaround.
The Lawsuit History (Explained)
(Detail the NY Attorney General lawsuit/settlement regarding undisclosed fees. Explain what happened—they weren't telling people about the spread effectively. State that they settled and agreed to change their practices.)
What Customers Complain About Today
(Analyze current BBB/Trustpilot reviews. Most complaints are now about: 1. Sales calls (they are aggressive), 2. Spread/Premium (coins being more expensive than spot). Explain that these are standard industry issues, not scams.)
How Lear Capital Fixed the Issues
(Discuss their new "Price Lock Guarantee" and improved invoice transparency. They now explicitly list fees. This makes them safer than before.)
Should You Trust Lear Capital in 2026?
(Conclusion: Yes, they are legitimate. However, they are best for investors who can say "no" to sales pressure and want a big, established brand.)