Oxford Gold Group: Chapter 7 Bankruptcy, Missing IRA Metals and the Equity Trust Lawsuit (2026 Update)

Oxford Gold Group failed: its own customers forced the Beverly Hills gold IRA seller into Chapter 7 liquidation on August 28, 2024 (Bankr. C.D. Cal. No. 2:24-bk-16947-NB). Customers allege that IRA money sent through Equity Trust bought metals that never reached their vault accounts. So the questions now are where your metal is, whether you can still claim, and who may have to pay.

Chapter 7 is a court-run sale of what a company has left, to pay the people it owes. A gold IRA is an IRA that holds physical metal through a custodian. This page gives the status, the steps for each kind of customer and the claims deadline that passed on March 12, 2026. It also covers the missing IRA metals, the Equity Trust lawsuits, what may come back and what the contract charged. Oxford is one of the failed sellers in our list of gold IRA companies, checked with the same court records and contracts.

The 13 facts below come from the bankruptcy docket, the customer contract, the BBB and Trustpilot. Each value that changes carries its date.

Is Oxford Gold Group Still in Business? No: It Failed and Is in Chapter 7 Liquidation#

No. Oxford Gold Group is out of business and has been in court-run Chapter 7 liquidation since October 15, 2024. Customers, not the company, started the case with an involuntary petition on August 28, 2024 (Bankr. C.D. Cal. No. 2:24-bk-16947-NB).

What does "involuntary" mean here? Creditors, here customers, may ask a court to put a company into bankruptcy when it is not paying its debts (11 U.S.C. 303). The court ordered an interim trustee on September 12, 2024. The trustee, Carolyn A. Dye, is the court-appointed person who gathers what is left and pays creditors. On October 15, 2024, the court entered the order for relief, the ruling that lets the case go ahead.

The case is still open. The docket shows activity through September 19, 2026 (entry 342). SafeOunce found no final report and no payment to customers as of October 2, 2026.

Oxford Gold Group timeline, 2018 to October 2026#

Oxford Gold Group went from an accredited BBB business to a Chapter 7 case in about seven months of 2024. The table lists the dated events in Oxford's collapse, each from a court file or a named news report.

The court ordered an interim trustee 15 days after the petition and entered the order for relief after 48 days. The claims deadline fell 513 days after the order for relief. The BBB opened its file on February 12, 2018; review sites give 2017 as the founding year.

Who owned and ran Oxford Gold Group?#

Court filings name Pedram Granfar as chief executive, Jonathan Adler as chief financial officer and Patrick Granfar as co-founder of Oxford Gold Group. Those titles come from the class complaint in Short v. Equity Trust (paras 26 to 28). The trustee's complaint in Dye v. Adler names the same three people. The company's ownership shares are not public.

The trustee sued all three on December 30, 2024 (Dye v. Adler, Bankr. C.D. Cal. No. 2:24-ap-01280-NB). The court issued a temporary restraining order, a short-term order to keep assets in place, on January 10, 2025. It issued writs of execution on March 12, 2025. The case is open and its outcome was not found.

The court also ordered a Rule 2004 examination of Patrick Granfar on November 14, 2024. A Rule 2004 examination is questioning under oath in a bankruptcy case. These are civil claims. SafeOunce found no public criminal charge against the company or its former executives as of October 2, 2026.

What Oxford Gold Group Customers Can Do Now#

What you can do depends on one question: did your metals ever reach your depository account? The table sorts former Oxford customers into three groups, with the first step for each.

The custodian is the trust company that legally holds your IRA and sends statements; it is not the dealer. The depository is the vault. An unsecured creditor is someone owed money with no collateral, paid from what is left.

Oxford Gold Group customers who ask "how do I get my money back" have three routes, in order: the bankruptcy claim, your custodian's records, then the regulators. What cancellation, arbitration and restitution can do when you try to get your money back from a gold IRA company is explained in our recovery guide.

If your metals show on your Equity Trust statement#

Metals that settled into your IRA stay at the depository you chose, according to Equity Trust's own letter to Oxford customers. The letter of February 9, 2024 says "those precious metals will continue to be stored at your elected depository."

The three steps below confirm what your IRA holds.

1. Ask your custodian for a holdings report that names each coin or bar, the quantity and the depository.
2. Compare it line by line with every Oxford invoice.
3. Report any missing item to the custodian in writing and keep a copy.

Oxford is no longer the dealer on your account. The letter says Equity Trust removed it as "Account Designated Representative/Precious Metals Dealer", the dealer named on your account to place trades. Ask your custodian in writing who, if anyone, holds that role today.

To sell or add metals, you choose a different dealer. The same letter says Equity Trust "neither recommends nor advises" any dealer. Fees, schedules and the complaint record of Equity Trust are on its profile.

Custody and storage fees keep running after a dealer fails. Equity Trust's precious-metals-only fee schedule (FS-0004-05, Rev. 081726) comes to $235 or $285 a year. That is $125 for the account plus $110 for shared storage or $160 for segregated storage.

Your account may be on another schedule. Equity Trust's Universal IRA schedule (FS-0001-01, Rev. 110625, the latest SafeOunce has read) charges $350 to $2,500 a year by account value, plus storage. Ask in writing which schedule is billed, and on what value.

A statement line is a record, not a vault count. The six checks to check that your gold is really in your IRA are on our delivery checklist.

If you paid and the metals never arrived: the bankruptcy claim#

If your metals never arrived, your claim is against the bankruptcy estate, filed as a proof of claim on Official Form 410. A proof of claim is the court form that says how much you are owed and why. The estate is everything the failed company still owns, held by the trustee. The five steps below apply to an unpaid Oxford order.

1. Check whether you, or a lawyer for you, filed a proof of claim before March 12, 2026.
2. Gather the Oxford invoice, the transaction agreement, the custodian record showing money sent to Oxford, and any letter saying the trade was "not settled".
3. Ask your custodian whether the claim belongs in your name or your IRA's name.
4. File or amend Form 410 through the court's ePOC page, which needs no login (help desk 213-894-2365), or by mail.
5. Watch the docket for the trustee's final report.

A claim costs nothing to file. The trustee's general counsel is Dumas & Kim, APC (court order of October 25, 2024). Aguirre & Severson, LLP is special litigation counsel (order of November 4, 2024).

How do you find out whether a claim is on file? The court says claims filed through ePOC are "immediately posted to the claims docket". That claims register sits with the case record on PACER, the federal courts' paid records site. If yours is not there, ask the trustee's general counsel.

The claims deadline was March 12, 2026: what a late claim means#

The deadline to file a claim in the Oxford case was March 12, 2026, so a claim filed now is a late claim. A late claim is not thrown out, but the law pays it after the claims that came in on time. Lawyers call this deadline the bar date, the court's cutoff to file claims.

The trustee has not made a final distribution that SafeOunce could find, so filing late may still be worth it. Ask a bankruptcy lawyer; many give a first call free.

If you sold metals back to Oxford and were never paid#

If you sold metals to Oxford and the cash never reached your IRA, you are a creditor too and use the same proof of claim. Equity Trust's letter covers this group. Its records showed accounts that had "not received the cash proceeds from the precious metals that you sold to Oxford Gold".

Equity Trust's current disclosure (form CA_F-0003-05, Rev. 121625) lets it release metals to a dealer "in advance of the dealer sending your account sale proceeds". The three documents below support a sold-back claim.

• The sale confirmation with the price
• The custodian's record of metals released to Oxford
• Emails or letters promising payment

Where to report Oxford Gold Group, and callers to avoid#

Report a loss to the bankruptcy trustee's case first, then to the agencies that handle metals fraud. A report builds the record; it does not produce a refund by itself. The table lists the six places to report a loss on an Oxford order.

Some gold dealers now advertise to "rescue" or "transition" Oxford accounts, with a phone number beside the story of the collapse.

Which agency handles what is set out in how to report a gold IRA company.

Missing IRA Metals: What the Court Files Say Happened#

Customers allege that Oxford took IRA money through Equity Trust and never delivered the metals to their depository accounts. The class complaint says this ran from January 2022 to February 2024 and reached people in more than 27 states. It puts the losses at "millions of dollars" and gives no total (para 49).

The custodian's own letter confirms the core fact for the customers who received it. Some trades were "not settled". Settled means the trade is complete: the metal is in your vault account, or the sale cash is in your IRA.

No court has decided why the metals were never delivered or where the money went. The record on the missing IRA metals is one custodian letter, several complaints and a bankruptcy docket.

One order, day by day: $115,239.22 wired, no metal after 84 days#

One court file shows the gap in days: a Virginia customer's $115,239.22 left his IRA on November 17, 2023. Eighty-four days later, the custodian wrote that the metals had not been delivered. The table follows that one IRA order from the complaint in Stanaway v. Oxford Gold Group, Inc. (E.D. Cal. No. 2:24-cv-02118). Every line is an allegation or an exhibit, not a court finding.

How long should delivery take? The CFTC uses 28 days as its test of actual delivery in financed metal sales (CFTC release 8215-20, August 4, 2020). It is a benchmark here, not a rule that bound Oxford's IRA orders. Oxford's own contract used the same 28 days, but only for orders shipped to a home. At 84 days, this order ran three times that benchmark. The 28-day rule is explained under actual delivery.

The Equity Trust letter of February 2024, in plain English#

On February 9, 2024, Equity Trust wrote to Oxford customers that it had "ceased doing business with Oxford Gold" and removed Oxford from their accounts. The letter is Exhibit 3 to the Stanaway complaint (E.D. Cal. No. 2:24-cv-02118, Doc. 1-1, page 29). The Short complaint (para 53) excerpts a letter dated February 7, 2024.

The letter says "one or more of your precious metals transactions with Oxford Gold ... have not been settled."

The letter also says "you are responsible for working with your precious metals dealer to ensure those transactions are settled."

Equity Trust gave its own view to ABC7 on August 23, 2024. "As a custodian, our function is to take direction from clients who wish to invest using their account at Equity Trust and custody those assets purchased by the clients."

Why a custodian can pay a dealer before the metal exists#

A self-directed IRA custodian pays the dealer when you sign the buy order, not when the metal reaches the vault. A self-directed IRA is an IRA that can hold assets such as metal, where you, not the custodian, choose the investment. What do gold IRA custodians do, then? They hold the account, follow your written orders and keep the records.

Equity Trust's current precious metals disclosure (form CA_F-0003-05, Rev. 121625) says so in writing. It may "release payment to the dealer in advance of the precious metals dealer arranging for the purchase and delivery". It is "not responsible if there is any delay or failure in delivery by the precious metals dealer to the depository". That revision is dated December 2025, after the Oxford events.

A joint SEC and NASAA investor alert describes the same limit: "Self-directed IRA custodians generally do not evaluate the quality or legitimacy of any investment in the self-directed IRA or its promoters."

Who picked the custodian? The complaint in Clark v. Equity Trust Company (D.N.M. No. 1:24-cv-00845; sent to arbitration) alleges that Oxford told the customer to open her IRA at Equity Trust, one of Oxford's "preferred partners".

With any company, ask your custodian in writing, 28 days after payment, whether the trade has settled. The limits of what gold IRA custodians do are set out on our custodian guide.

The Equity Trust Lawsuits: The Class Action, the Trustee's Suit and Arbitration#

Two lawsuits against Equity Trust over Oxford orders are still open as of October 2, 2026: a customer class action and a suit by the bankruptcy trustee. No court has ruled that Equity Trust is liable. Each customer-filed Equity Trust lawsuit turns on one question: what did the custodian owe customers when a dealer did not deliver?

The individual customer suits went another way. SafeOunce found no court judgment in any of them. The table lists every customer and trustee case SafeOunce found, with its court, number and status as of October 2, 2026.

The custodian side, including Equity Trust's complaint and court record, is on its profile.

Short v. Equity Trust Company: the class action#

Short v. Equity Trust Company is a proposed class action filed on August 9, 2024, by 12 Oxford customers from nine states. The case is C.D. Cal. No. 2:24-cv-06788. A class action is one lawsuit for a whole group. The nine states are California, New Jersey, Tennessee, Illinois, Arizona, Alaska, Missouri, Wisconsin and Texas.

The complaint alleges Equity Trust knew that "substantial and material amounts of precious metal transactions with OGG were not being settled" and did not tell customers (para 8). It names Equity Trust, three Oxford executives and three account managers. It brings four claims: breach of fiduciary duty, fraud, federal securities law and unfair competition. A fiduciary duty is a legal duty to act in someone else's interest.

The complaint estimates "over 400" members in "over 27 states". Amended complaints followed on October 25, 2024 and April 1, 2025. Equity Trust answered on June 20, 2025.

A motion for judgment on the pleadings was filed on September 18, 2026. SafeOunce found no order certifying a class on the free docket. No court has ruled on these claims.

Dye v. Equity Trust Company: the trustee's own suit (2026)#

On March 12, 2026, the bankruptcy trustee filed her own suit against Equity Trust. The case is Dye v. Equity Trust Company, Inc., Bankr. C.D. Cal. No. 2:26-ap-01055. It is an adversary proceeding, a lawsuit filed inside a bankruptcy case. The complaint is not free to read; SafeOunce reports the docket only.

Equity Trust asked the court on April 30, 2026 to dismiss the case or move it to another district. A motion to intervene followed on June 26, 2026. On July 29, 2026, a motion to take the case out of bankruptcy court opened C.D. Cal. No. 2:26-cv-08344.

That district case was transferred as a related case on August 20, 2026. Its last entry is dated September 1, 2026. All of these motions are pending and the outcome was not found. No court has ruled on these claims.

Money the trustee wins goes to the estate. So it goes to customers with allowed claims, not only to the 12 named plaintiffs in Short.

Customer suits: arbitration, dismissal or transfer#

SafeOunce found no court judgment in any of the individual customer suits: one went to arbitration, one was dropped, and two were closed with the outcome not found. Arbitration is a private hearing before a paid arbitrator instead of a judge and jury.

Clark v. Equity Trust Company (D.N.M. No. 1:24-cv-00845, order of October 29, 2024). The complaint says $200,000 left her Equity Trust IRA and "Oxford never fulfilled the trade". The court sent her claims against Equity Trust to arbitration. On January 7, 2025, it dismissed Oxford and the other unserved defendants.

Jordan v. Oxford Gold Group, Inc. (C.D. Cal. No. 2:24-cv-07213). Equity Trust moved the case from Los Angeles Superior Court to federal court on August 23, 2024, and asked for arbitration. The customer dismissed the case without prejudice on October 30, 2024. Without prejudice means the case can be filed again.

Stanaway and Baker. Both closed in 2024 with the outcome not found (dates in the table above). In Baker (C.D. Cal. No. 2:24-cv-06824), 14 customers asked for an order to hold Oxford's assets on August 12, 2024, 16 days before the bankruptcy petition.

In three of these suits (Stanaway, Jordan and Clark), the docket shows Equity Trust moved the case from state to federal court. No court has ruled on these claims.

The 65-day arbitration opt-out that decided these cases#

Equity Trust's account agreement sends disputes to private arbitration unless the customer opts out within 65 days of opening the account. The Clark order of October 29, 2024 quotes the account application. It reads: "unless I opt out of the arbitration agreement within 65 days of opening my Account, I agree that I will be bound by that Arbitration Agreement."

The clause also waives the right to join "any pending or future class action". The court noted that the customer "did not opt out". Small-claims court stays open for individual claims.

The clause decided Clark, the one case with a ruling.

Opening any new self-directed IRA? Read the arbitration article first and send the opt-out letter inside the window. Dealer contracts have their own clauses; see arbitration and claim deadlines in gold IRA contracts.

How Much Oxford Gold Group Customers May Get Back#

No one can say yet: as of October 2, 2026, the trustee has filed no final report and SafeOunce found no payment to customers. A final report is the trustee's closing account of money collected and how it will be paid out. The five facts below are what the record shows so far.

• The total owed to customers is not public. The class complaint says only "millions of dollars".
• Three compromise orders are on the docket (March 11, 2025; April 15, 2025; April 27, 2026). Their terms are not on the free docket.
• A fourth compromise motion, filed in the main case on September 15, 2025 (docket entry 130), has no approving order that SafeOunce found. The other party and the terms are not on the free docket.
• An order to sell estate property was entered on June 15, 2026. The property is not named on the free docket.
• The trustee's lawyers are paid before customers. The court's report of awarded fees for May 2026 lists $72,321.00 to the trustee's attorneys in this case. That is one month's report, so the cost so far is at least that much.

In Chapter 7, the costs of running the case are paid first. Then unsecured creditors, such as customers, share what is left (11 U.S.C. 726(a)(1) and (a)(2)).

Two things are not known: whether the suits against Equity Trust and the former executives will bring in money, and how many claims were filed.

Can you deduct the loss on your taxes? SafeOunce found no current IRS guidance that allows a deduction for a loss inside an IRA, and none on how money paid back on IRA-held metal is treated. Ask a tax professional.

Another failure shows how thin an estate can be. In the Rosland Capital bankruptcy, the company's own filing showed $212,661.60 in cash on August 6, 2026, against about $60.8 million owed. That is 0.35%. Oxford's figures are not public, so no percentage can be given.

Oxford Gold Group Complaints, BBB Rating and Reviews#

The BBB grades Oxford Gold Group F, with 177 complaints and 151 of them never answered, as of October 2, 2026. Trustpilot shows 1.7 out of 5. The BBB rating and the reviews changed only after the money was gone.

Oxford Gold Group complaints repeat one pattern: money sent, metal never delivered, calls not returned, office empty. These are customer statements, not court findings.

BBB: from accredited to F with 177 complaints#

Oxford Gold Group was a BBB-accredited business until the BBB revoked that status in 2024. ABC7 reported the revocation on July 5 and August 23, 2024. The table shows three dated snapshots of Oxford's BBB record.

151 of 177 complaints is 85.3% unanswered. The count rose from 95 to 177 after the office closed. Those 177 complaints sit beside 38 customer reviews (September 29, 2026).

How does a BBB grade work? The BBB's own rating overview, read September 29, 2026, ties 90 of 100 points to complaints: their volume and how many went unanswered, unresolved or delayed. Customer reviews do not count, and accreditation is a paid membership.

What BBB and Trustpilot ratings can and cannot tell you is on our signals page.

Trustpilot and the review pages that still rate Oxford#

Oxford's Trustpilot score is 1.7 out of 5 as of October 2, 2026, yet several review pages still describe a top-rated company. The three pages below were still online when SafeOunce read them: the first two on October 2, 2026, the chart on September 29, 2026.

• A review page marked "last updated December 4, 2025" that shows "BBB Rating: A+" and asks whether Oxford is "worth it in 2026" (WallStreetZen).
• A May 4, 2023 CBS News review, still online without an editor's note, showing "A+ and 4.93 stars".
• A fee comparison chart dated March 2026 that still lists Oxford as an option (goldiraaccounts.com).

Trustpilot's one-star reviews from June to December 2024 report amounts from $45,000 to more than $500,000 never delivered. These figures are reviewer-stated, not verified.

How gold IRA review sites earn money is explained on our reviews guide.

Was Oxford Gold Group legit or a scam?#

Oxford Gold Group was a real, registered company that sold metals for years, and it failed owing customers for metals they say never arrived. Whether that was fraud is a question for a court.

Customers allege fraud in a civil suit, Short v. Equity Trust. The trustee has sued the former executives and Equity Trust; SafeOunce has not read those complaints. No court has ruled on those claims. ABC7 reported an FBI investigation in August 2024. SafeOunce found no public criminal charge as of October 2, 2026.

SafeOunce found no CFTC, SEC or state regulator order against the company in its searches on October 2, 2026. Cases where regulators did act are in our list of precious metals IRA enforcement actions.

For a former customer, whether a court ever calls it fraud will not change the steps above.

Oxford Gold Group Fees, Spreads and Buyback (2023 Transaction Agreement)#

Oxford's 2023 customer contract allowed a spread of 3% to 33% of the price, with the same pricing for IRA and home orders. The contract is public only because a customer attached it to a lawsuit. The spread is the share of your price that is the dealer's margin, not metal.

The document is the "Oxford Gold Group Transaction Agreement", signed November 21, 2023. It is Exhibit 1 in Stanaway v. Oxford Gold Group, Inc. (E.D. Cal. No. 2:24-cv-02118, Doc. 1-1).

These terms are history: Oxford sells nothing today. They still show what to look for in any contract. How these terms compare with operating sellers is on gold IRA fees.

Spreads: 3% to 15% on bullion, 15% to 33% on numismatic coins#

Oxford's contract put its spread at 3% to 15% on bullion and 15% to 33% on semi-numismatic and numismatic coins. Bullion means coins and bars priced close to their metal value. Numismatic coins are collector coins priced well above metal value.

The contract (para 3) says: "OGG's Spread on bullion (as classified by OGG) was generally between three percent and fifteen percent (3% to 15%)". It adds that the actual spread "could be any amount within the referenced ranges (or even possibly outside those ranges)".

The contract (para 5) says sales staff "are commissioned salespersons". Their pay depended on "the amount and profit margin" of what they sold, and they "are not licensed". The CFTC calls "semi-numismatic" "a made-up industry term that really has no special meaning".

The same paragraph of the contract says a customer "should not invest more than twenty percent (20%)" in metals. It says to hold for "at least a three (3) to five (5) year period".

Markups and spreads like these are often the largest cost in a metal IRA. Every published range is on gold IRA markups and spreads.

What the spread meant on a $100,000 order#

On a $100,000 order, Oxford's contract ranges meant $3,000 to $33,000 went to the dealer's margin, not to metal. The table turns Oxford's contract spread ranges into dollars on a $100,000 order. It also shows how far metal had to rise to get back to the price paid.

The contract gives its own example. It reads: "if OGG quoted a Numismatic coin or bar at $400, which included a twenty-five percent (25%) spread, OGG's cost for that coin would be $300."

A break-even calculator does this math for any order. Test any spread in the gold IRA break-even calculator.

Buyback: "The law prohibits OGG from guaranteeing to repurchase"#

Oxford's contract said plainly that it did not guarantee to buy metals back. Para 3(c) reads: "The law prohibits OGG from guaranteeing to repurchase the Precious Metals OGG sells." The next sentence reads: "OGG has never refused the opportunity to re-purchase Precious Metals that a customer purchased from OGG."

Equity Trust's February 2024 letter covers customers whose IRA "has not received the cash proceeds" of metals sold to Oxford.

Oxford was not alone in this wording. Similar "law prohibits" wording appears in the contracts of American Hartford Gold, Lear Capital, Preserve Gold and American Bullion (read September 29, 2026). What each contract promises is on gold IRA buyback programs.

No delivery deadline for IRA orders, all sales final, one year to claim#

Oxford's contract promised delivery within 28 days for home orders only and set no deadline at all for IRA orders. The table lists six terms of Oxford's 2023 agreement and what each meant for a customer.

Page one also carries a "Do Not Call Registry Waiver". It let Oxford phone the customer even if the number was on the registry.

That gap is one of the questions to ask a gold IRA company before you pay. Delivery date in writing is one of the 12 questions to ask a gold IRA company.

Oxford Gold Group minimum investment and account fees#

Oxford Gold Group takes no new orders, so it has no minimum or fee today; the contract itself listed neither.

One review page reported a $7,500 IRA minimum and $1,500 for cash orders (WallStreetZen, page updated December 4, 2025). SafeOunce could not confirm this from a company document, because the website is gone. Account fees were the custodian's, not Oxford's.

6 Warning Signs From the Oxford Collapse to Check With Any Gold IRA Company#

The clearest warning came 203 days early: Equity Trust had stopped doing business with Oxford by February 7, 2024, and customers did not force the bankruptcy until August 28. February 7 is the date of the Equity Trust letter quoted in the Short complaint. The six warning signs below each pair the Oxford evidence with a check you can run on any company.

1. The custodian drops the dealer. Equity Trust had cut Oxford off by February 7, 2024, the date of that letter. Check: ask the custodian whether it still accepts trades from the company.
2. The state suspends the company. ABC7 reported that the California Franchise Tax Board suspended Oxford on April 2, 2024, 148 days before the petition. Check: run the state business search.
3. Metal is not on your statement 28 days after payment. The Stanaway order was unsettled at 84 days. Check: ask in writing whether the trade settled.
4. Refund dates keep moving. The Stanaway complaint alleges three promised dates in February and March 2024. Check: after one missed date, you should write to the custodian and the state regulator.
5. Complaints pile up unanswered. The BBB had 95 complaints by July 2024 (ABC7). Check: read the count and the "failure to respond" line, not the letter grade.
6. The contract has no delivery date for IRA orders. Oxford's 28 days covered home orders only. Check: get the date in writing.

The full list of 11 is on gold IRA scams and warning signs.

ABC7 reported that Oxford kept taking new clients through May 2024, after its office closed.

Why SafeOunce Does Not Rate Oxford Gold Group#

SafeOunce does not rate Oxford Gold Group because it is in bankruptcy: under gate 1 of our rating method (version 1.1), a company that is closed or bankrupt is not scored. The card at the top shows "Not rated: closed".

SafeOunce refreshes this page within one business day of any docket entry that changes the status. No company can pay to change its rating or its place. A gate is a pass-or-fail check applied before any points are counted. The method has 5 gates, and gate 1 covers closure and bankruptcy. All 5 gates are explained in how SafeOunce rates gold IRA companies.

What Happens to Your Gold IRA If the Company Goes Bankrupt?#

Metal already in your IRA's vault account is not the dealer's property, but an order that was paid and not delivered becomes an unsecured claim. The dealer's failure does not move coins that already sit in your account at the depository. How vault accounts are titled is explained on gold IRA depositories.

How this played out at ten sellers is on failed gold IRA companies.

Sellers that are operating are compared by cost, contract and record on best gold IRA companies. SafeOunce takes no money from any company named on this page.

What is the downside of a gold IRA? Dealer risk between payment and delivery is one of them. The other downsides are on gold IRA pros and cons.

Other gold IRA companies that failed#

Oxford is one of at least three gold IRA sellers that took payment for metal customers say they never received; Rosland Capital and Regal Assets are the other two. The four companies below failed or closed from 2022 to 2026; only the first two are non-delivery cases.

• Rosland Capital: liquidating Chapter 11 filed July 2, 2026 (Bankr. C.D. Cal. No. 2:26-bk-16650-BB; open). It owes about $60.8 million to about 617 customers.
• Regal Assets: failed. The CFTC says it misappropriated over $21 million. The court entered default judgments on October 15, 2024 (C.D. Cal. No. 2:23-cv-08078; CFTC release 9001-24, October 25, 2024).
• Midas Gold Group 2024 bankruptcy: Chapter 11 (Subchapter V) filed June 7, 2024, converted to Chapter 7 on September 25, 2024 (Bankr. D. Ariz. No. 2:24-bk-04587; outcome not found).
• Gold Alliance: closed since June 24, 2024. This is a closure, not a non-delivery case.

Oxford Gold Group website, similar names and court records#

Four short questions about the Oxford Gold Group website, its name and its court records come up in searches. Each answer below carries its own date where the fact can change.

Is the Oxford Gold Group website still working?#

No. As of September 29, 2026, the old address oxfordgoldgroup.com shows an unrelated betting page. Do not use any phone number or form on it.

Is Oxford Gold Group the same as The Oxford Club?#

No. The Oxford Club and Oxford Gold Group are different businesses that share a word in their names. The site oxfordmetals.com, an Alaska refiner that appears in the same searches, is also a different business.

Is Oxford Gold Group a publicly traded company?#

No. Oxford Gold Group, Inc. was a private California corporation, and SafeOunce found no stock listing for it.

Where can I read the Oxford Gold Group court filings?#

The free docket for case 2:24-bk-16947-NB is on CourtListener, and the full record is on PACER for a per-page fee. The CourtListener docket lists every entry. The class complaint and the customer contract are free PDFs listed in the sources below. How to check a gold IRA company in court records is on our verification guide.