Legacy Builders 2.0: Michelle Oneil reboots collapsed scam
Legacy Builders is an illegal gifting scheme launched in 2024. Founder Michelle Oneil created the scam under her Digital Growth Community branding.
Oneil launched Legacy Builders following the collapse of Infinity Processing System, a prior illegal gifting scheme Oneil promoted.
Legacy Builders recruitment peaked around mid 2024. Either towards the end of 2024 or by early 2025, Legacy Builders recruitment had inevitably collapsed.
About a week ago Oneil, who personally claims to have misappropriated “over $5 million” through illegal gifting schemes, announced Legacy Builders 2.0.
Instead of acknowledging Legacy Builders was an illegal gifting scheme that inevitably collapsed due to declining recruitment, Oneil states in a launch video uploaded on March 12th;
We have over fifty thousand in the community now but I noticed a gap. And the gap was people need to learn more attraction marketing skills and social media marketing skills.
So Legacy 2.0 has what you can become certified. Certified in the 100% profit resell rights. Certified in understanding the process to organically attract customers to you.
In case it wasn’t obvious, “certification” obtained through Legacy Builders is not recognized by any accredited organization. It’s meaningless marketing waffle that means absolutely nothing outside of Legacy Builders itself.
Oneil claims that, to date, “over $29 million” in gifting payments have been made through Legacy Builders. According to Oneil “one of the most popular countries” Legacy Builders spread to was South Africa.
Other than blaming victims for not finding new suckers to fleece, Legacy Builders 2.0 appears to be a straight reboot of the original gifting scheme.
Gifting payments within Legacy Builders are tiered across $100 to $900. Participants must buy-in at each tier to qualify to receive payments across those tiers.
Typically in an MLM gifting scheme payments made to unqualified participants are passed up to the first qualified participant. In Legacy Builders Oneil keeps these passed up gifting payments for herself.
Based on Oneil’s provided numbers, her personal haul equates to to 20% or so of all Legacy Builder participant funds.
As noted in BehindMLM’s Legacy Builders review, Oneil keeping passed up gifting payments “makes Legacy Builders a substantially worse scam than your typical MLM gifting scheme.”
The last major MLM gifting bust in the US was Blessings In No Time (BINT). Launched during the height of the COVID-19 pandemic, an FTC lawsuit filed in 2021 alleged BINT scammed consumers out of tens of millions of dollars.
BINT owners LaShonda and Marlon Moore (right), settled the FTC’s fraud allegations for $9.7 million in 2023.
Later that same the year the Moores were further indicted on BINT related criminal charges.
The husband-and-wife gifting fraudsters pled guilty in February 2025 with sentencing pending.
Mirroring BINT, by Oneil’s own admission Legacy Builders has defrauded tens of thousands of consumers out of tens of millions of dollars.
I can confirm that. I have received several emails from Michele Oneil every week since July 2024, the last one on January 8, 2025.
postimg.cc/1fs4Z4S1 and postimg.cc/9zcLRtt4
The number of visitors to dailypaybusiness.com decreased dramatically from 24.8K in June 2024 to 393 in February 2025.
postimg.cc/62WC3zJt and postimg.cc/fVQty5mp
How is she not in jail? This whole system violates laws and violates people.
She skims off the top of all the sales, all of the traffic, and most likely has “automated” sales that come to her from newbies who don’t know how to change links when copying and pasting her messages.
She (Michele Oneil) is definitely skimming off of her own members. She is making all the members upgrade to Legacy 2.0 by having to pay another 39 to be part of this. So do the math who is benefiting her.
The new website has 3x more testimonials with no disclosure. As someone said in their lives she is to make close to 2million off current members if they upgrade. She never added anymore training in the original Legacy even though she made over 1 million.
A normal creator would use the profit to add more education. But as we all know this program does nothing but teach you how to resell so she can benifit from the website fee.
As far as the certificate that is a joke. She just added that to lure others to believe you will get more you are not.
Also she encourages you to join here 97 program to learn more or join her and boyfriend Mike Gowans to do the mastermind at 599.00 a month.
She is definitely profiting and gifting everything to her. If you feel you have fallen for this and did everything they said to but have not seen any results file to the FTC.
She is only going to get worse if she doesn’t get stopped. I am sure the waterworks will start once she sees this. She always thinks she is the victim.
I have to respectfully disagree with most of this article.
I particularly disagree with this paragraph.
First of all, you are purchasing re-seller rights so you can resell the program and earn 100% profit. Let me state that there are no TIERS in this system.
If you decide to PURCHASE the Launch Pad Program for $100, you can only SELL the Launch Pad program. You are NOT eligible to sell any other programs (ie the $300, $600 or $900 programs).
There is no extra money “rolling up” to Michele.
The system does not work that way.
We’ve been through all these fraud defense arguments in the original Legacy Builders review.
You cannot make this argument when payments associated with Legacy Builders qualify people to participate in an illegal gifting scheme.
Right, but if someone buys the higher tiers that money rolls up to Michelle Oniel.
Legacy Builders didn’t inevitably collapse because people were purchasing a launch pad program. It collapsed because it’s an illegal gifting scheme that ran out of suckers.
Whether you disagree with this fact is neither here nor there. Nobody ever beat gifting civil and criminal fraud charges with a “but we attached products to our illegal gifting payments!” defense.
Oz, I’m sorry but it is YOU that does not completely understand.
You are investing in education. Not an illegal gifting scheme.
There is no matrix here. You can only sell what level and below you purchase your reseller rights for. There is no extra money here to roll up anywhere.
A person can only purchase say a $300 program from someone else who is at the $300 level or above.
Someone who is at the $600 level cannot sell a $900 program, they do NOT have access to the funnels or sales pages in their system for a $900 program so there is no money rolling up to Michele.
There is no Upline, Downline, or Sideline. You are the sole person making the money.
Have you or someone you know ever bought an online educational course from someone online? ie Weight Loss? Personal Development? Exercise Courses?
You paid someone for the digital educational information – this is the same thing.
Not sure where your research is coming from but I read the lawsuit link you attached from Blessings in No Time and I don’t see a parallel between BINT and Legacy.
Ignoring the attached illegal gifting scheme payments through Legacy Builders are attached to achieves… nothing.
Ignoring fraud isn’t a legal defense.
Nobody said there was.
There is an upline and downline, it’s just that all passed up payments go to Oneil. You think Oneil made $4 million in Legacy Builders through personal recruitment?
Stupid question to ask someone defending an illegal gifting scheme but the point stands: If someone who hasn’t been scammed out of $900 recruits me into Legacy Builders and I want to buy in at the $900 tier to maximize my scamming, I go around them and Oneil collects $900.
It would be if it weren’t for the illegal gifting scheme attached.
This is the same Costco/Sam’s Club” argument proponents of MLM pyramid schemes use. It has no legal basis because it’s a dishonest comparison.
Decades of prosecution of illegal gifting schemes.
Cool. Legacy Builders is an illegal gifting scheme whether you acknowledge it or not.
You know, Oz, I have followed you for 10+ years and even used your site a as reference point to direct people to who want to join a legimate online business so they know which businesses to stay away from.
(Ozedit: derails removed)
Everybody loves BehindMLM… until we review your scam.
There’s a reason you’ve relied on my MLM analysis for over ten years. See you on the other side of whatever’s going on in your life.
Perhaps you should heed the advice you have for a decade.
Let’s get real. If Lorrie really had been following Oz for 10+ years there is no way in Hades she would have joined this Ponzi. She is blowing smoke trying to make people believe she is smarter than she is, so they will join under her.
Just another wannabe Ponzi pimp.
Lorrie stop and think about it. Michele Oneil is profiting from everyone. She makes money off of each person for her website fee.
When you upgrade you have to pay again so one person could end up paying twice website fee.
Also now she wants everyone to pay again to get legacy 2 which has no value at all no more training than legacy 1 she just knew she could make an additional 2 million by having everyone upgrade. So this is an upsell.
And becoming certified is a joke. Just another click bait to make others think you will be able to resell this worthless program faster. How do I know I am in it.
Her marketing tactics that she trains others is so unethical it makes me sick. The new website is a total mess. Way to long and violates so many FTC rules it is actually funny.
She preys on the broke and vulnerable with promises they can get their return back in a week.
There are so many in this community frustrated and broke and she does not care. Report her to the FTC so she does not hurt more innocent people.
Looks like Cash Gifting is alive and well with EU1Life and the gifting boards.
Well yeah, EU1Life is a cash gifting launched after a pyramid collapsed and is being run by a convicted fraudster awaiting sentencing. Dunno about “alive and well”.
For the last couple of days, people have been livestreaming Michelle Oniel’s DGC/Legacy Builders/ seminars on TikTok.
From the few ladies speaking into the microphone, all I hear is “Someday I’ll be as successful as Michelle” and that they are still struggling to make sales. lol
Genesis yes I see that to. Her mastermind with her boyfriend Mike Gowen are totally scamming others to belive this bullshit that comes out of their mouth.
Michele Oneil only cane out with legacy 2.0 so she can make more with the 39.00 website fee. If this is not an mlm nothing is.
When the top creator makes the most and you have to pay extra 39 if you upgrade is a big mlm.You are definitely gifting to the top.
Original legacy was losing traction so she had to come out with something new to only benefit her. Oh and you get a certificate to become a RESELLER what a joke. Time to end this bullshit.
The new champion of being the worst Legacy Builders 2.0 reseller is @mikeodonell64 on tiktok.
The new and improved @mikeodonell64 is now more pathetic even after Michelle Oniel told him to step up his game. lol
Not only is this a total scam. They now are saying that they are totally FTC compliant because of the training they have in there. Lol there is no way they got training.
Constant income and testimonials without any disclosures. Michele Oneil doesn’t even comply by what she so called did training on this. Everyone file to the FTC .
Can confirm “You can run illegal gifting schemes so long as you bundle training with your illegal business model” isn’t in the FTC Act.