Is Modern Millionaires a Scam? The Google Ads Pitch Sounds Clean. The BBB Page Tells a Different Story.

By Tyler Brennan · Published May 26, 2026 · Scoring explained

The sales pitch for Modern Millionaires is genuinely well-constructed.

I'll give Chance Welton and Abdul Farooqi that much. When you watch their VSL, it sounds reasonable. Almost boring, in a good way. No Lamborghinis (okay, maybe a few). No "quit your 9-to-5 in 30 days" promises. The pitch is: we teach you to run Google Ads for local businesses — lawyers, dentists, contractors — and charge them for leads. It's called an "ad agency" or "lead gen" model. The economics are explainable. The market is real.

And then you get on a sales call, pay somewhere between $5,000 and $8,000, and some people end up on the BBB filing complaints.

Let's look at both sides.

What Is Modern Millionaires?

Modern Millionaires is a digital marketing training program founded by Abdul Farooqi and Chance Anthony Welton. The core model they teach: start a "remote agency" running Google Ads for high-value local businesses. You land clients (lawyers, dentists, home services companies), run ads for them, and collect a monthly retainer or per-lead fee.

This is a real business model. Legitimate digital marketing agencies do exactly this. That's important to acknowledge.

The program costs between $5,000 and $8,000 for the main enrollment. After you're in, there's a CRM tool they recommend called Leadific, which runs $399/month. There are additional coaching packages and onboarding services upsold after enrollment.

Here's the first thing that doesn't add up: they have no advertised refund policy. According to multiple sources, Modern Millionaires does not offer refunds.

Write that down. $5,000–$8,000 entry fee. No refunds.

A Brief History of Name Changes

Here's something that took me a while to piece together: Modern Millionaires is not Chance and Abdul's first rodeo with this program. It's the third name.

Their lead gen coaching program was previously called:

1. Officeless Agency
2. Millionaire Middlemen
3. Modern Millionaires (current)

Why does a company keep rebranding the same product? Sometimes it's genuine evolution. Sometimes it's reputation management. I'm not going to tell you which one this is — I'll let you form your own opinion on that.

The BBB Page: Let's Go There

The Modern Millionaires LLC has a BBB profile registered in Cascade, Idaho. Here's what I found there.

The company is not BBB Accredited.

Their average BBB customer review rating is 1.88 out of 5 stars based on 8 customer reviews as of the research I could verify.

That rating has declined significantly from earlier years. One source noted a 4.38/5 rating from around 2022 — suggesting the complaint pattern has worsened over time, not improved.

Multiple complaint filings are visible on the BBB profile. The pattern in the complaints:

• Customer enrolls, pays thousands upfront or via payment plan
• Company promises to help set up the business within a specific timeframe (1–2 months mentioned in one complaint)
• After a few months, communication becomes sparse or stops entirely
• Customer cannot get support, cannot get a refund, and cannot reach anyone
• Customer files BBB complaint

One specific complaint I found described a "Done for You" program purchased for $13,500 ($3,000 upfront, $600/month financing), where after three months the company "stopped communicating and couldn't help the customer start selling."

That's one complaint. But when you read multiple complaints with the same structure — pay, get started, get ghosted — a pattern emerges.

What People Are Saying

Reviews across various platforms are polarized in the way that tends to pattern when some students succeed and others don't.

On the positive side: the Google Ads training itself is generally described as solid. Students who came in with some existing business or sales skills, who could hustle to land clients, seem to have gotten value from the content.

On the negative side: complaints center on the support quality, the Facebook community being unresponsive, and the coaching becoming inconsistent after enrollment. One recurring theme: if you ask for a refund, the company stops responding altogether.

Over 31 complaints and 1-star reviews have been documented across platforms according to multiple review sources I found during research, though the exact live counts on individual platforms fluctuate.

I looked at their Trustpilot presence. The pattern one reviewer noticed: a significant number of positive reviews, but a notable proportion are from accounts that have only ever reviewed one company. That's a data point worth having.

The Sales Call Model

The way you enroll in Modern Millionaires is through an application and a sales call. You don't see the price before the call. This is standard in the high-ticket coaching world, and I'm not saying it's automatically a red flag — but it does mean:

• You're in a one-on-one conversation with someone trained to close
• You don't have time to research the program before the price is revealed
• The social pressure to commit is maximum at that moment

Combine that with a no-refund policy, and you've got a situation where a consumer's ability to course-correct after a bad decision is essentially zero.

The Numbers on the Underlying Model

Here's where I put on my skeptic hat.

Running Google Ads for local businesses sounds easy until you've tried it. The actual work involves:

• Cold outreach to local businesses (most won't respond)
• Setting up and managing live ad campaigns (not trivial — Google Ads can eat your client's budget fast if mismanaged)
• Delivering actual leads (if your ads don't convert, you lose the client)
• Retaining clients month over month

The training may cover all of this. But for beginners with no sales background and no marketing experience, the learning curve is steep. The "I'll just follow the course" mindset doesn't survive first contact with a skeptical client.

The program costs $5K–$8K upfront. Add Leadific at $399/month. Add ad spend for your own test campaigns. You're looking at real capital outlay before you've landed a single paying client.

Brennan Scam Score

Tyler's Bottom Line

Modern Millionaires occupies an awkward space. The underlying business model they teach is real. Some students do make it work. But the no-refund policy on a $5,000+ program, a BBB rating that has slid to 1.88/5, a pattern of students reporting they got ghosted after paying, and a history of rebranding the same product multiple times under different names — these aren't small concerns.

The Google Ads pitch sounds clean. That's the point. It's supposed to.

Before you spend five grand on a sales call, check the BBB page yourself. It's at bbb.org. Search "The Modern Millionaires LLC." See what you find. Then decide.

See also: Lead-gen agency coaching with no refunds — same playbook as Tai Lopez SMMA 9.0 and Wealthery.

Based on publicly available BBB filings, consumer reviews, and third-party research as of May 26, 2026. Not legal or financial advice. Tyler Brennan is a former affiliate marketer and runs legitorscam2026.com as an independent consumer watchdog. Not compensated by any program reviewed on this site.