JM Bullion: Legit but Strict?

Key Findings

The Pattern

• →Large legitimate precious metals dealer that processes real bullion orders
• →Has strict fraud detection that over-flags legitimate transactions
• →Customers report being treated as criminals when payment issues arise
• →Company has excellent business reputation but poor customer treatment
• →Multiple reports of funds held indefinitely or never refunded after cancellation

Red Flags

• ⚠Warning: Payment fraud blocks legitimate transactions: Zip code mismatches (expanded zip codes online) trigger fraud flags that block valid card payments for days/weeks
• ⚠Warning: Demanding payment method switches: Calls customer and demands ACH transfer instead of credit card without offering it as optional
• ⚠Warning: Funds held indefinitely: Customers report 5+ day holds on legitimate payments for no clear reason
• ⚠Warning: Zero refunds for canceled orders: $5,000 precious metals order cancelled by site but customer never got refund, months later still waiting
• ⚠Warning: Hostile customer service: Treats repeat customers as 'likely scam artists' over $30 coin discrepancies instead of investigating
• ⚠Warning: Poor communication: Doesn't explain why payment was flagged or how long hold will last
• ⚠Warning: Wrong items shipped: Sent different coin than ordered; customer ate the cost rather than dealing with company
• ⚠Warning: No accountability: When company makes mistakes, refuses to take responsibility; demands customer prove they're legitimate

What To Do

1. 1Use ACH/wire transfer instead of credit card (company heavily discourages cards, suggesting they might deny claims)
2. 2Call JM Bullion using the number on their official website ONLY—not numbers from emails (could be scammers)
3. 3Update your credit reporting profiles (Equifax, Experian, TransUnion) after address changes to prevent payment fraud flags
4. 4Take screenshots of order confirmations before payment
5. 5Smaller orders (<$500) are less likely to trigger fraud detection
6. 6Allow 1-2 weeks for delivery—don't expect expedited customer service
7. 7Document everything in email—phone conversations with JM may not be honored

What NOT To Do

• ✕Don't use credit card with JM Bullion (it's discouraged and more likely to be flagged)
• ✕Don't expect quick customer service—don't call, they avoid talking
• ✕Don't order more than you can afford to wait weeks for refund
• ✕Don't click links in emails from JM Bullion—call the official number instead
• ✕Don't expect them to investigate payment issues fairly—they assume you're committing fraud
• ✕Don't expect refunds for canceled orders to come quickly or at all
• ✕Don't order during busy periods (gold surges) when they seem to mass-block customers

Copy-Paste Script

JM Bullion is a real, A+ BBB-rated company but has terrible customer service. They block legitimate credit card payments, hold funds for 5+ days, refuse refunds for canceled orders, and treat customers as criminals. Use ACH transfers instead if possible.

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