If you've ever downloaded a free gold guide from US Money Reserve, you probably know what comes next: phone calls. Lots of them. Sometimes multiple times a day. This is the number one complaint we see about this company.
The Verdict
US Money Reserve is legitimate—not a scam. They have an A+ BBB rating and deliver real gold. But their aggressive sales tactics, persistent phone calls, and tendency to push expensive numismatic coins make them a frustrating experience for most people. There are better options for Gold IRAs.
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The Aggressive Sales Playbook
US Money Reserve spends millions on TV advertising featuring former US Mint Director Philip Diehl. Their business model depends on converting those ad leads into sales. That creates pressure on their sales team.
Here's what customers commonly report:
Persistent Calling
Multiple calls per day, sometimes for weeks after requesting information. Even after asking them to stop.
Urgency Tactics
"This price is only good for today" or "We only have a few of these left." Classic pressure tactics.
Fear-Based Selling
Warnings about economic collapse, dollar devaluation, or government confiscation to create urgency.
Numismatic Upselling
Pushing expensive "exclusive" or "limited edition" coins instead of standard bullion.
Red Flag: "Limited Edition" Coins
If a sales rep pushes "limited edition," "exclusive," or "proof" coins, be very cautious. These often carry premiums of 30-50% above spot price. For a retirement IRA, you want standard bullion—not collectibles.
The "Bait and Switch" Pattern
This is a common complaint pattern we found in BBB reviews and online forums:
- Customer sees ad for free gold coin or heavily discounted gold
- Customer calls to claim the offer
- Sales rep says that item is "sold out" or "not available in your area"
- Sales rep offers a "better" alternative—usually a higher-priced numismatic coin
Is this technically illegal? That's a gray area. But it's definitely a frustrating experience for customers who feel misled. The BBB has received numerous complaints about this pattern.
But Are They Still Legitimate?
Yes—with caveats. US Money Reserve is a real company that will deliver real gold. They haven't been shut down by regulators. They maintain an A+ BBB rating by responding to complaints.
The issue isn't fraud—it's value. When you buy numismatic coins at 40% over spot, you're paying for the company's massive advertising budget. That's money that could have bought you more actual gold.
Bottom line: If you can navigate the sales pressure and stick to standard bullion only, US Money Reserve can work. But most people will have a less stressful experience elsewhere.
How to Stop the Calls
If you're getting unwanted calls from US Money Reserve, here's what to do:
Ask to be removed: Tell the caller directly, "Please remove me from your call list." They're legally required to comply.
Send an email: Write to their customer service requesting removal in writing. Keep a copy.
Register with Do Not Call: Add your number to the National Do Not Call Registry at donotcall.gov
File a BBB complaint: If calls continue after you've asked to stop, file a complaint. Companies care about their BBB rating.
Companies With Less Aggressive Sales
If the US Money Reserve experience has turned you off, here are alternatives known for low-pressure sales:
- Augusta Precious Metals: Education-first approach, no hard sells. Zero BBB complaints. Higher minimum ($50k).
- Goldco: Strong customer service reputation. $25k minimum.
- Noble Gold: Laid-back sales approach, $20k minimum, Texas storage option.
- Birch Gold Group: Lower minimum ($10k), straightforward process.
Want a Better Experience?
Companies with education-first approach and no high-pressure calls.
See Top Rated CompaniesThomas Richardson
Former wealth manager turned Gold IRA researcher. After 20 years in finance, I got tired of watching scammers prey on retirees. Now I investigate companies and publish what I find—good or bad.