Quick Answer: iMerge Financial is a loan connection service operating under the legal entity iMerge LLC, a California LLC incorporated in December 2020. The company holds an A+ BBB rating and has zero CFPB complaints on file. Public records show 4 BBB complaints in the past 12 months and 4 federal court cases as of February 2026. One federal lawsuit alleges the company advertised consolidation loans but redirected consumers to debt settlement services through its partner, Five Lakes Law Group. This report compiles publicly available data to help consumers research this company.
AI Research Report — This report was researched and written by Claude AI (Anthropic) and independently reviewed for accuracy by GPT (OpenAI). It is a factual research compilation of publicly available records, not a personal review or endorsement. See methodology.
Data collected: February 2026 | Last updated: February 2026
Is iMerge Financial Legit? Key Data at a Glance
2020Founded
A+BBB Rating
4BBB Complaints (12 mo)
0CFPB Complaints
N/ATrustpilot
3.5/8TILA Disclosures
4Federal Court Cases
1Connected Entities
4.8★Published BBB Rating
4.9★Results-Only Rating
-0.1★Rating Gap
51%About the Sales Call
Review Reality Check: One AI reviewer read 83 BBB reviews and sorted each one into two groups: reviews about the sales call and reviews about actual results. Published rating: 4.8★. Published and results-only ratings are close: 4.8★ and 4.9★. 51% of reviews are about the sales call — not how the loan worked out. How this was done.
What Is iMerge Financial?
iMerge Financial is a for-profit loan connection service that matches consumers with third-party lenders for debt consolidation loans. The company operates under the legal entity name iMerge LLC according to BBB records (BBB profile). iMerge Financial does not lend money directly — its Terms of Use state: “We reserve the right to decline your application for a loan or not otherwise proceed in referring you to any third party service providers” (archived website).
- Type: Lead generator / loan connection service
- Legal Entity: iMerge LLC (DBA: iMerge Financial)
- State of Formation: California (December 14, 2020)
- Business Start Date: March 8, 2020 (per BBB records)
- Headquarters: 701 Palomar Airport Road, Suite 300, Carlsbad, CA 92011
- Office Type: Regus virtual office (shared address with 19 other unrelated businesses) (BBB profile)
- Employees: Approximately 14 (ZoomInfo estimate)
- Industry Memberships: None disclosed
- BBB Accreditation: May 26, 2023 (BBB profile)
Correcting the Record: Several third-party review sites state iMerge Financial has been “helping people since 2017” (archived CuraDebt). However, BBB records show a business start date of March 8, 2020, and the California LLC was filed December 14, 2020. The company’s first website snapshot on the Wayback Machine is from February 6, 2021 (archived homepage). No corporate records supporting a 2017 start date were found.
What Are iMerge Financial’s Fees?
iMerge Financial states on its website that it does not charge application fees or prepayment penalties to consumers (archived website). As a loan connection service, iMerge Financial earns revenue from the lenders it refers consumers to, not directly from consumers.
- Consumer Fee: No application or prepayment fees (per website)
- APR Range: 4.95% – 30.00% (per website; actual rate depends on the third-party lender)
- Representative Example: $30,000 at 9.00% APR for 60 months = $37,365 total ($622.75/month) (per website)
- Origination Fees: Not disclosed on iMerge Financial’s website — origination fees, if any, come from the third-party lender
- Banking Partners: Not disclosed on website
Arbitration Clause: iMerge Financial’s Terms of Use include a binding arbitration clause and class action waiver. Consumers who apply through iMerge Financial may be waiving their right to a jury trial and participation in class action lawsuits. Review the full terms before submitting an application (archived Terms of Use).
How Was This Report Researched? Seven AI research agents searched more than fifteen public databases. One AI reviewer independently read and sorted every customer review. A second AI checked the whole report for accuracy and fairness. A 24-point checklist must pass before anything gets published. See the full methodology.
What Does iMerge Financial Disclose About Loan Terms?
The Truth in Lending Act (TILA) requires lenders and loan connection services to disclose specific information before consumers sign a loan agreement. The following disclosures were found on iMerge Financial’s website as of February 2026 (archived website).
- APR Range: Disclosed as 4.95% – 30.00% (partial — range shown, but minimum rate used prominently in marketing mailers may not reflect typical offers)
- Total of Payments: Disclosed in representative loan example ($37,365 on a $30,000 loan)
- Payment Schedule: Term length disclosed (12–60 months); monthly frequency implied
- Prepayment Penalties: Clearly disclosed — no prepayment penalties
- Finance Charge (Dollar Amount): Not disclosed as a dollar figure separate from total payments
- Amount Financed (Net): Origination fees not broken out, so actual amount received by the borrower is unclear
- Late Payment Fees: Not disclosed on website
- Right to Rescind: 3-day cooling-off right not referenced on website
iMerge Financial’s website discloses 3.5 of 8 Truth in Lending Act items reviewed. Adding a clear dollar-amount finance charge, origination fee breakdown, late fee schedule, and rescission rights notice would bring iMerge Financial’s website to full TILA disclosure.
Note for Consumers: iMerge Financial is a loan connection service, not a direct lender. The actual loan agreement, including all TILA-required disclosures, would come from the third-party lender. The items above reflect what iMerge Financial discloses on its own website before consumers apply.
What Is iMerge Financial’s BBB Rating?
iMerge Financial has an A+ rating with the Better Business Bureau as of February 2026, with a customer review rating of 4.8 out of 5 stars based on 226 reviews. The company has been BBB-accredited since May 26, 2023 (BBB profile).
A+BBB Rating
4.8★Customer Reviews (226)
4Complaints (12 mo)
100%Response Rate
iMerge Financial’s 4 complaints in 12 months is a low volume. The company has responded to all BBB complaints, which is a positive indicator of engagement (BBB profile).
How Many Complaints Does iMerge Financial Have?
iMerge Financial has a low complaint volume across public platforms as of February 2026:
4BBB Complaints (12 mo)
0CFPB Complaints
4Federal Court Cases
CFPB Complaint Data
The CFPB Consumer Complaint Database shows zero complaints against iMerge Financial or iMerge LLC as of February 2026. As a lead generator, iMerge Financial connects consumers with third-party service providers. Consumer complaints about the actual services received would typically be filed against the service provider, not the referral company.
iMerge Financial’s confirmed partner, Five Lakes Law Group PLLC, has 14 CFPB complaints filed between April 2024 and November 2025. Of those, 64% cite unexpected or upfront fees and 36% cite services not provided as promised. 8 of the 14 responses were marked “Timely: No” by the CFPB (CFPB database).
Read CFPB Complaints Filed Against Five Lakes Law Group (iMerge Financial’s Confirmed Partner)
Note: iMerge Financial has zero CFPB complaints. The following complaints were filed against Five Lakes Law Group PLLC, iMerge Financial’s confirmed business partner (Tier 1 — co-defendant in Adkins v. iMerge Financial). Consumers referred by iMerge Financial to Five Lakes may encounter the issues described below.
Complaint filed November 30, 2025 — Issue: Charged upfront or unexpected fees
“I enrolled in a debt relief program with Five Lakes Law Group to settle several credit card accounts. I made scheduled deposits to my dedicated account, intending to complete payments on three settlement agreements. Five Lakes Law Group deducted a $990.00 program fee from my dedicated account without notice or authorization. This deduction was premature, as the corresponding accounts were still under active settlement, and I had not defaulted on any payment obligations. When I contacted them, they acknowledged taking the $990.00 as part of a 27% fee, claiming they collect fees aggressively after the first settlement payment.”
Company response: Closed with explanation. Timeliness: No.
Complaint filed May 23, 2024 — Issue: Charged upfront or unexpected fees
“Five Lakes Law Group engaged in deceptive business practices, falsely promising debt reduction and financial improvement. They are not licensed to practice law in Illinois and misrepresented their qualifications. They charged excessive fees, exceeding the 15% cap set by Illinois law, and instead charged 27% of the total debt amount. Despite paying substantial fees, they failed to provide the promised debt settlement services, which worsened my financial situation and credit score.”
Company response: Closed with explanation. Timeliness: No.
Complaint filed October 26, 2024 — Issue: Confusing or misleading advertising or marketing
“I was advised to let my credit cards go into default and that I would make payment for 6 months into a savings account that would be used to settle my debt. I was told that after 6 months of on time payments I would be able to get a consolidation loan to pay off the rest. I did not have any defaulted credit cards or loans [when I signed up].”
Company response: Closed with explanation. Timeliness: No.
Complaint filed October 27, 2025 — Issue: Charged upfront or unexpected fees
“From [2024] to [2025], we paid $7,100 to Five Lakes Law Group. During that time, the company kept $4,100 for fees and only paid out $2,900 to our debtors.”
Company response: Closed with explanation. Timeliness: Yes.
14 total complaints (April 2024 – November 2025)
- Charged upfront or unexpected fees: 9 complaints (64%)
- Didn’t provide services promised: 5 complaints (36%)
- Confusing or misleading advertising: 1 complaint (7%)
8 of 14 responses marked “Timely: No” by the CFPB. All 14 closed with explanation.
Source: CFPB Consumer Complaint Database
BBB Complaint Themes
Of 4 BBB complaints closed in the past 12 months, the following patterns appear (BBB profile):
- Aggressive Follow-Up (50%): One consumer reported receiving “18 calls from 18 different people in the last 24 hours” plus emails and texts after applying online
- Misleading Pre-Qualification (50%): Consumers received pre-qualification letters suggesting loan eligibility, then learned iMerge Financial is not a direct lender or were denied the advertised loan
How Does iMerge Financial Respond to Complaints?
How a company handles complaints says a lot. Based on 4 company responses on BBB, here is how iMerge Financial responds:
50%Tried to Fix It
50%Generic / Template Reply
0%Defensive / Blamed Customer
0%No Response
Response rate: iMerge Financial answered 100% of BBB complaints. However, 50% of responses were delayed by 36–47 days (BBB profile).
Here are actual company responses:
“Company called outreach ‘excessive’ and apologized. They confirmed the application was withdrawn and the applicant was added to their ‘Do Not Contact (DNC) lists.’” — iMerge Financial response on BBB, May 2025 (source)
“Company stated soft credit checks don’t impact credit scores and that scores ‘reflects the information reported to us at that time.’ They noted pre-qualification isn’t a guarantee and eligibility changes with updated information.” — iMerge Financial template response on BBB, December 2025 (source)
iMerge Financial does not respond defensively to any complaints. When the company acknowledged the “excessive” calling issue, it took corrective action. Template responses addressed the general topic but did not resolve the consumer’s specific concern.
Court Records
Four federal court cases involving iMerge Financial or iMerge LLC appear in public records as of February 2026:
- Adkins v. iMerge Financial et al. — Case 2:24-cv-01569, S.D. Ohio. Filed April 4, 2024. Voluntarily dismissed June 11, 2024. Alleged FCRA violations and “bait-and-switch” marketing. Five Lakes Law Group PLLC named as co-defendant. Complaint alleged iMerge marketed consolidation loans but redirected consumers to debt settlement services (Justia docket)
- May v. iMerge Financial — Case 2:24-cv-04038, S.D. Ohio. Filed October 8, 2024. Terminated March 6, 2025 (CourtListener)
- Patterson v. iMerge LLC — Case 1:24-cv-01658, S.D. Indiana. Filed September 20, 2024. Dismissed October 16, 2024. Alleged TCPA violations (unsolicited calls/texts) (CourtListener)
- Marshack v. iMerge LLC — Case 8:25-ap-01291, C.D. California (Bankruptcy). Filed September 18, 2025. Active. Adversary proceeding in bankruptcy case (CourtListener)
All four cases were filed in 2024–2025. Two cases were voluntarily dismissed (Adkins, Patterson), one terminated (May), and one remains active (Marshack). The Adkins case is notable because it names both iMerge Financial and Five Lakes Law Group PLLC as co-defendants, which confirms the business relationship between the two companies.
What the Adkins Lawsuit Alleges: According to third-party reporting, the Adkins complaint alleged that “iMerge and Five Lakes advertised a consolidation loan in order to entice [the client] to call on the solicitation, but instead they marketed debt adjustment or debt settlement products and services” (archived Debt Relief David). These are allegations, not proven facts. The case was voluntarily dismissed on June 11, 2024.
FTC and State Attorney General Actions
No FTC, CFPB, or state attorney general enforcement actions against iMerge Financial or iMerge LLC appear in public records as of February 2026.
Enforcement Record: As of February 2026, iMerge Financial has no federal (FTC, CFPB) or state attorney general enforcement actions on record. For context, the FTC has brought multiple enforcement actions against debt relief and lead generation companies since 2020.
iMerge Financial’s confirmed partner, Five Lakes Law Group PLLC, has 128 BBB complaints and 14 CFPB complaints (Five Lakes BBB profile). Five Lakes’ managing member was named individually in a 2018 Colorado Attorney General settlement ($565,000 in refunds to 189 consumers) involving predecessor entities — Five Lakes was formed two years later. For a complete analysis, see the Five Lakes Law Group AI Research Report.
How Does This Compare?
Industry Context: iMerge Financial has 4 BBB complaints in 12 months and zero CFPB complaints. For a company with approximately 14 employees operating since 2020, 4 complaints per year is a low volume. The 4 federal court cases all filed within one year (2024–2025) is a notable concentration for a company of this size.
What Do iMerge Financial Reviews Say?
iMerge Financial has reviews on the Better Business Bureau and Google. No reviews were found on Trustpilot, ConsumerAffairs, BestCompany, or PissedConsumer as of February 2026.
What Are These Reviews Actually Rating? iMerge Financial is a lead generator — not a direct lender. When a consumer calls iMerge Financial, they speak with a sales representative who explains loan options and collects their information. The actual lending experience (approval, rates, fees, funding, repayment) comes from a third-party lender that iMerge Financial does not name on its website. Most iMerge Financial reviews describe the initial phone call, not the lending experience that follows.
Are These Reviews About the Program — or Just the Sales Call?
Many reviews are written right after the first phone call — before the consumer has received a loan or made any payments. One AI reviewer read 83 BBB reviews and sorted each one into two groups: reviews about the sales call and reviews about actual results.
Results by Platform
| Platform | Published Rating | Results-Only Rating | Gap | % About the Call | % About Results | Reviews Read |
|---|---|---|---|---|---|---|
| BBB | 4.8 stars | 4.9 stars | -0.1 stars | 51% | 30% | 83 of 226 |
4.8★Published Rating
4.9★Results-Only Rating
-0.1★Rating Gap
83Reviews Read
Across BBB, 51% of reviews were about the sales call or first contact. 30% described what happened after they joined the program. The remaining 19% were unclear and were left out of the adjusted rating.
Published and results-only ratings are close (4.8★ and 4.9★). Consumers who described actual program results gave slightly higher ratings on average than the overall pool. This is unusual — most companies in this space show the opposite pattern, with results-only ratings lower than published ratings.
Review vs. Complaint Trend
iMerge Financial has a 4.8-star average on both BBB (226 reviews) and Google (approximately 155–166 reviews). The company does not have profiles on Trustpilot, ConsumerAffairs, or BestCompany — platforms where consumers can leave reviews without a company invitation. 96.4% of the sampled BBB reviews are 5-star ratings (BBB profile).
What Do People Complain About in Reviews?
50%Bait-and-Switch / Misleading Offers
33%Rude Customer Service
17%Other Issues
Of the 3 negative reviews in the BBB sample (out of 83 total), the most common complaint was receiving a pre-approval for a consolidation loan that turned out to be a different product. Two reviews reported rude or disrespectful treatment during the sales call (BBB reviews).
Actual Reviews (Word for Word)
“Provided me a financial option that saved me over $700 a month in outstanding credit cards and loans debt.” — John C, BBB, September 30, 2024 (source)
“Really was super kind, sweet and patient with the whole process and questions i had. She is very charismatic as well, it was super fun talking to her.” — Gonzalo C, BBB, October 2, 2024 (source)
“I received pre-approval for a consolidation loan, then when I called and gave them my info, was told I only qualify for a debt consolidation program because of an old write off that I am still working to resolve. I was not approved for any consolidation loan.” — Mary J, BBB, December 7, 2023 (source)
“Rude!!! I just had one of their financial consultant talk to me as if I was scum of the Earth!” — Terrence S, BBB, June 27, 2023 (source)
Review Solicitation Patterns
Several patterns in iMerge Financial’s reviews suggest the company requests reviews shortly after the initial phone call (BBB reviews):
- Multiple reviews reference “today” or “tonight,” suggesting same-day solicitation
- One 5-star review states: “Im hoping for debt relief. Well see if it works. So far, a good experience” — a positive rating given before any outcome
- Reviews exist only on BBB and Google — platforms with email-based review request systems
- No reviews found on Trustpilot, ConsumerAffairs, or other platforms where consumers post independently
Read the full review analysis methodology.
Who Owns iMerge Financial?
Public corporate records and court filings reveal the following about iMerge Financial’s ownership structure and corporate connections.
Evidence Tier Definitions
- Tier 1 — Confirmed: Court “fka” language, state filing amendments, same entity ID
- Tier 2 — Strongly Linked: Same agent + principal + address, dissolution-formation within 90 days
- Tier 3 — Associated: Same address with different principals, shared phone/email domains
Corporate Entity Timeline
- March 8, 2020: iMerge Financial begins operations (per BBB records) (BBB profile)
- December 14, 2020: iMerge LLC incorporated as a California Domestic LLC (BBB profile)
- February 6, 2021: First website snapshot on Wayback Machine (archived homepage)
- May 26, 2023: BBB accreditation granted (BBB profile)
- April 4, 2024: First federal lawsuit filed (Adkins v. iMerge Financial), naming Five Lakes Law Group as co-defendant (Tier 1 — Confirmed partner) (Justia docket)
Key People
Connected Entities
Five Lakes Law Group PLLC (Tier 1 — Confirmed)
Five Lakes Law Group PLLC, based in Southfield, Michigan, is iMerge Financial’s confirmed business partner. The connection is established through the Adkins federal lawsuit where both entities are named as co-defendants. According to lawsuit allegations, iMerge Financial marketed consolidation loans and then redirected consumers who did not qualify to Five Lakes Law Group for debt settlement services (Justia docket).
Five Lakes Law Group’s public record includes:
- 128 BBB complaints (Five Lakes BBB profile)
- 14 CFPB complaints (April 2024 – November 2025)
- Managing member named individually in 2018 Colorado AG settlement ($565,000 — predecessor entities, not Five Lakes directly)
For a complete analysis, see the Five Lakes Law Group AI Research Report.
Address Overlap Analysis
iMerge Financial is registered at 701 Palomar Airport Road, Suite 300, Carlsbad, CA 92011. This is a Regus virtual office location. A search of California corporate records shows 19 other entities registered at this same address. None of the co-located entities appear to have any business relationship with iMerge Financial — shared virtual office space is common and does not indicate affiliation (BBB profile).
1Known Address
19Other Entities at Same Address
0Connected to iMerge
Marketing & Lead Generation Connections
iMerge Financial’s website uses Google Tag Manager and two Facebook Pixel tracking IDs, consistent with digital marketing and lead acquisition operations. No active Facebook ads were found under the iMerge Financial name as of February 2026. The company reaches consumers through direct mail with pre-qualification offers advertising APR rates as low as 4.95% (archived website).
Databases Searched
Research Methodology: The following databases were searched for this connection analysis: BBB business profiles, California Secretary of State (filing not found), CourtListener federal case search, PACER Monitor, CFPB Consumer Complaint Database, SEC EDGAR, NMLS Consumer Access, OpenCorporates, Wayback Machine CDX, Facebook Ad Library, LinkedIn, ZoomInfo, and Glassdoor. This analysis is limited to publicly available records.
Correcting the Record: ScamAdviser’s analysis of imergefinancial.com states the site “might be a scam” (archived ScamAdviser). However, iMerge Financial holds a BBB A+ rating, has zero CFPB complaints, and has no federal enforcement actions on record. ScamAdviser’s assessment is based on website technical characteristics (shared hosting, link shortening), not evidence of fraudulent activity. No evidence of scam activity was found in this investigation (BBB profile).
Correcting the Record: Multiple third-party review sites state there are “no significant regulatory actions” against iMerge Financial (archived Ooraa). While iMerge Financial has no federal or state enforcement actions, it does have 4 federal court cases filed in 2024–2025, including allegations of FCRA violations and TCPA violations. “No regulatory actions” is accurate; “no legal actions” would not be (Justia docket).
What Could This Cost Your Retirement?
The following calculations show what the monthly payments on a consolidation loan cost in lost retirement savings. The real cost is not just the interest on the loan — it is what those monthly payments would have earned through decades of compound growth if invested in retirement accounts instead. (See the Debt Repayment Retirement Calculator to run your own numbers.)
The Math: Full Cost of a Consolidation Loan Through iMerge Financial
Assumptions: $30,000 in unsecured debt. Consolidation loan at 9.00% APR for 60 months (iMerge Financial’s representative example). Monthly payment: $622.75. Total of payments: $37,365. Investment return: 8% annually (conservative long-term market average). Retirement age: 67.
What the Consumer Pays (Consolidation Loan Path)
$37,365Total Loan Payments (60 months)
$7,365Total Interest Cost
$622.75/moMonthly Payment
Total out-of-pocket for consolidation loan: $37,365 — approximately $622.75 per month for 60 months.
What the Consumer Pays (Bankruptcy Path)
$0Payments to Creditors
$0Interest Charges
The Retirement Opportunity Cost
During a 60-month consolidation loan, the consumer pays approximately $622.75 per month. That is $622.75 per month that cannot go into a 401(k) or IRA. Each monthly payment loses decades of compound growth. When those 60 monthly payments are compounded at 8% annually to retirement age (67):
$556KLost Retirement (age 30)
$250KLost Retirement (age 40)
$113KLost Retirement (age 50)
These figures do not include employer 401(k) matching contributions lost during the loan repayment period, which could double the retirement impact.
How Does iMerge Financial Compare?
The following compares a consolidation loan through iMerge Financial against other debt relief options available to consumers. Each option has different trade-offs for credit impact, collections protection, speed, and retirement impact.
Debt Relief Option Comparison
Consolidation Loan (via iMerge Financial)
- Credit Impact: Can improve if payments are on time and utilization drops
- Collections Protection: Pays off creditors directly — collection calls stop
- Speed: 12–60 months
- Retirement Impact: Monthly payments reduce savings capacity for loan duration
Chapter 7 Bankruptcy
- Credit Impact: Initial drop, typically recovers within 2 years
- Collections Protection: Automatic stay stops all collection
- Speed: 3–4 months
- Retirement Impact: 401(k) protected, fresh start enables saving
Credit Counseling DMP
- Credit Impact: Minimal
- Collections Protection: Creditors agree to the plan
- Speed: 3–5 years
- Retirement Impact: Full repayment reduces savings capacity
Do Nothing
- Credit Impact: Damage, then recovery
- Collections Protection: None initially; statute of limitations applies
- Speed: 3–7 years (varies by state)
- Retirement Impact: All money goes to savings
Know Your Rights When Working With a Loan Connection Service
Federal law provides specific protections for consumers applying for consumer credit. These rights apply regardless of which company or lender you choose.
- Right to see the APR before signing: Under TILA, lenders must disclose the annual percentage rate, finance charges, and total of payments before you sign a loan agreement
- Right to rescind certain loans: For secured loans (home equity, refinances), you have a 3-day right to cancel after signing
- Right to know where your data goes: Under the Gramm-Leach-Bliley Act, financial companies must tell you what information they share and with whom
- Right to dispute inaccurate credit reporting: Under the FCRA, you can dispute any inaccurate information on your credit report resulting from a loan application
- Right to stop unwanted calls: Under the TCPA, you can tell any company to stop calling you. Ask to be placed on their Do Not Call list
- Right to compare offers: You are under no obligation to accept any loan offer. Shop around and compare APR, fees, and terms from multiple lenders
Do Your Own Research
This AI report covers publicly available records, but you should always verify before making financial decisions.
What to Do If You’ve Been Harmed
Consumers who believe a loan connection service or lender has violated their rights or misrepresented its services have the following agencies and resources available:
Under the Truth in Lending Act, consumers have the right to receive clear disclosure of all loan terms and costs before signing an agreement.
Frequently Asked Questions About iMerge Financial
Is iMerge Financial a legitimate company?
iMerge Financial operates under iMerge LLC, a California LLC incorporated in December 2020. The company holds an A+ BBB rating and has zero CFPB complaints. It has no federal enforcement actions on record. Consumers should note that iMerge Financial is a loan connection service that refers consumers to third-party lenders — it is not a direct lender — and has 4 federal court cases from 2024–2025.
What are iMerge Financial’s fees?
iMerge Financial states it does not charge application fees or prepayment penalties to consumers. The company earns revenue from the lenders it refers consumers to. The actual loan fees (interest, origination fees) come from the third-party lender. APR ranges from 4.95% to 30.00% depending on creditworthiness.
How many complaints does iMerge Financial have?
iMerge Financial has 4 BBB complaints in the past 12 months and zero CFPB complaints as of February 2026. The company responded to 100% of BBB complaints, though 50% of responses were delayed by 36–47 days. Its confirmed partner, Five Lakes Law Group, has 14 CFPB complaints (64% citing unexpected fees) and 128 BBB complaints.
What do iMerge Financial reviews say?
iMerge Financial has a 4.8-star rating on BBB (226 reviews) and Google (~160 reviews). When counting only reviews about actual results, the rating is 4.9 stars — 51% of reviews are about the sales call, not how the loan worked out. The company has no reviews on Trustpilot or ConsumerAffairs. See methodology.
Who owns iMerge Financial?
iMerge Financial operates under iMerge LLC, a California LLC. The CEO is identified as Zach Myers in third-party sources, though no official corporate filings or public professional profiles confirm this. The Director of Sales, Frank Alvarado, previously worked at Alleviate Financial Solutions.
Is iMerge Financial a direct lender?
No. iMerge Financial is a loan connection service (lead generator) that matches consumers with third-party lenders. Its Terms of Use confirm this: “We reserve the right to decline your application for a loan or not otherwise proceed in referring you to any third party service providers.” One federal lawsuit alleges the company redirected consumers who did not qualify for loans to debt settlement services through Five Lakes Law Group.
Key Findings
- iMerge Financial has no federal enforcement actions (FTC, CFPB, state AG) and zero CFPB complaints — a clean regulatory record for a company operating since 2020
- iMerge Financial holds an A+ BBB rating with a 4.8-star review average and responds to 100% of complaints
- iMerge Financial’s website discloses 3.5 of 8 TILA items — adding a finance charge breakdown, late fee disclosure, and rescission rights notice would bring the company to full disclosure
- iMerge Financial’s confirmed partner, Five Lakes Law Group, has 128 BBB complaints and 14 CFPB complaints — its managing member was named in a 2018 Colorado AG settlement ($565,000) involving predecessor entities — consumers should research the partner entity separately
- iMerge Financial does not disclose its banking partners on its website — consumers may want to ask for the lender’s name before applying
- Four federal lawsuits were filed against iMerge Financial in 2024–2025, including one alleging loan-to-settlement bait-and-switch marketing — these are allegations, not proven facts
- This data is compiled from publicly available records — consumers should conduct their own research before making financial decisions
Company Response
This report is based on publicly available records as of February 2026. If iMerge Financial or any party mentioned in this report believes any information is inaccurate or would like to provide a statement, use the contact form. Corrections backed by documentation will be updated promptly.
How This Report Was Made
Claude AI (Anthropic) researched this report using seven AI agents that independently searched corporate records, court filings, customer reviews, complaint databases, website content, and marketing materials across more than fifteen public databases. GPT (OpenAI) then reviewed the complete report for accuracy and fairness.
Every source URL was saved on the Wayback Machine before any data was used. Every claim was checked against the original source. Corporate connections follow a tiered evidence system backed by state filings and court records. One AI reviewer read and classified 83 customer reviews to separate sales call reviews from program results reviews.
Correction Policy: If iMerge Financial or any party mentioned in this report believes any information is inaccurate, submit corrections with supporting documentation via the contact form. Verified corrections will be incorporated and noted.
Read the full methodology — the complete list of databases searched, the 24-point quality checklist, the review analysis process, and all limitations.
Data Currency
All data in this report was collected in February 2026. Public records change over time. Consumers should verify current information before making financial decisions. This report does not constitute legal, financial, or investment advice.
Sources
All claims in this report are based on publicly available records. Every source has been archived via the Wayback Machine for permanent verifiability.
Government & Legal Records
Consumer Reviews & Complaints
Company Website (Archived)
Third-Party Analysis (Archived)
Leadership Profiles (Archived)
Regulatory References
Companies and People Referenced in This Report
The following entities are mentioned in this report. Click any name to see all related coverage on this site.
Companies & Organizations
Accuracy commitment: Every factual claim in this report is linked to its original source.
