John Cummuta
John Cummuta Overview
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John Cummuta has 3.4 star rating based on 4 customer reviews. Consumers are mostly neutral.
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Review authors value the most Privacy and Data Security and Billing Practices. The price level of this organization is medium according to consumer reviews.
Total rip off
John is honest and his teachings are spot on!
I was a member of FINL, a network marketing company that John founded in the 90's. They always preached consistent work, smart spending, and debt elimination.
They told us not to expect a miracle or hope to get rich quick & easy.
The downfall of that company was mainly the result of a distributor who published a book promising the moon. Not John's fault.
If you follow the debt elimination methods John teaches, you will be pleasantly surprised. If you expect a 'magic pill' that ends your financial woes...
that's on you... not John.
John Cummuta Seminar Review from Burleson, Texas
Are you sure you weren't scammed by imposters? David Bach was a part of the package, and I know he is legit!
Beware
In 1996 Financial Independence Network Limited, Inc. Owner and Author John M.
Cummuta knowing marketed his "get out of debt" materials through a company called "American Business Publications, Inc. run by Donald J Mikrut who marketed FINL products in a multi-level marketing mail fraud scheme that cost 30 Million from an unsuspecting public of over 50,000. For details Google search "Donald J. Mikrut".
Don went to jail for 3 years for this little scam and should have done 10 years. Before purchasing any of FINL's book, consider the morality of the source.
John cummuta is a thief
MAJOR SCAM
I am so embarrassed to say what I am about to!!!!! My wife and I were SCAMMED BIG TIME!
I'll start at the beginning. We looked at the program hoping for help. I have been unemployed since 2003 due to a stroke. My entire retirement account was spent up.
We always tried to live within our means and conservative I was unable to work because of my stroke,except for 2 hours a week at my church!! The debt was piling up and we were becoming worried! We saw this program discussed and prayed it would help. They told us it is worth and sells for $10,000 but gave us a deal....ONLY $5,900!!!!!
We had 3 day right to cancel. I called within that time and cancelled, only to be scammed into keeping it . Our phone coach had all of our financial info ...debts, income, expenses DETAILED!!! We were losing about $70/ month, but after they help us with several phone coaching the advise we were given was to "eat out less" and "make little sandwiches to bring to work!!!!
WHAT!!! ARE YOU KIDDIBNG ME!!!!!????We couldn't pay for the program, got no help and were just totally drained!!! Our marriage was at an all time high stress level! Now we are getting collection calls to pay for the program.
We got a phone call a few months later offering a "one time only $1,000 reduction". We took it only to find out it a couple months later by accepting their offer we gave up the right to sue Cummuta in the class action lawsuit that they were facing. ( I think we did come out better than the litigants in the class action suit collected!!!)
We now had to file CH 7! They put the final nail into our coffin.
So we have a $4,000 paperweight of CD's and manuals in our basement!
Well, there is more but I'm sure you had enough.
I wish all those who were screwed over and taken advantage of the very best. God bless!!
Preferred solution: Full refund
John Cummuta
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Verified Reviewer | Stroud, EnglandBIGGEST SCAM EVER
I was so cleverly convinced to accept the offer this unethical man and his organization promised me some years back....I invested over 16,000 on credit cards to buy his program and to be coached by some of the most inept and inexperienced coaches and teachers. Not one of the promises made to me every were fulfilled and this was followed by more promises...I am still attempting to recover from the huge losses and the inability to pay the debts off that I originally had PLUS the huge debt I incurred from this phony company . I feel some restitution is still due and I would be willing to join a class-action lawsuit against this man and his company.
Ms. M.
I ordered the same book for $6 but I never received it. I Can't get intouch with anyone and I can't get my money back.
Reporting to the BBB. This is such krap. Is this how people get rich but ripping other people off. Even thoiught it was only $6 bucks it was my $6 bucks that I worked for.
I trusted this persons name that is why I gave them my money.
People have no integrity these days, no sympathy. People are trying make a better life for themselves and the only thing you can do is think to rip them off.
Fraudulent Charges
I ordered the John Cummata Debt to Wealth program for $6.95 in February...never opened the box because I wanted to return it after reading the awful reviews online. I was told March 22, 2012 that I could not return it and was offered an "additional" debt consultation instead.
I told the gentleman I did not want any consultations and wanted the program cancelled...they had charged my card $79.99! He acknowledged the program would be cancelled and hung up on me. I have since been charged $79.99 every month since and have spokent to 3 "representatives" who say it would be cancelled...only to find out today from a most hateful woman at DTW that they aren't actual employees of DTW only marketing telemarketers!
WHAT A SCAM! I WANT MY MONEY BACK!!!!
John Commuta Debt-free
John Commuta is a scam. He tells you things you already know to do!
They ripped me off with the time my 30 day trial started and ended! I don't know how I let him rob me with that menial info package for $400! I call it HIGHWAY ROBBERY! John needs to be ashamed of robbing poor people!
His operators all have nasty attitudes! The Better Business Bureau should investigate John!
Nothing in his program is beneficial. Pay more money on your credit card, pay smaller card out first, start a home business to get more money!Tell All
John Cummuta debt to wealth
John cummuta scam
SaenHiggins/WealthSystemsLLC Prayed on Disabled Brother's Fears - $9000 in the Hole!
12 phone calls in 6 hours
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I'm happy to hear you had good luck with the company while it still existed. But me personally?
I don't trust any network marketing operation whether it be a scam or totally legitimate and reputable. I can assure you based on personal experience with Herbalife and companies like it that some of your fellow reps didn't have as much success as you did if any success at all.
Read "The Science Of Getting Rich" by Wallace Wattle I also can assure you that the percentage who don't is because they haven't taking the time to learn the certain way of thinking and certain way of acting from those who are successful. Because you can have two individuals who have the same company, same comp.
plan and same products or services. One is successful and the other not. So it's neither of those three. I.
The Four Things A Network Marketer must do is: 1. Collect People 2. Capture Their Information 3. Communicate With Them 4.
Close: Offers It's simple to do. Nothing about it is rocket science. To do all four, a person need to develop the 7 skill-sets of a Network Marketer which Eric Worre covers in his book, "GoPro". II.
The Five Pillars Of Network Marketing They need to understand the Five Pillars of Network Marketing: 1. Never Give Up- You have to include personal and professional development in order to think a certain way if you are to act a certain way. That's why Jim Rohn said to work harder on yourself than your job." 2. Find A Mentor- Reach out to your upline to learn their certain way of thinking and certain way of acting or doing things.
You can also reach out to someone who may not be within your upline, but is a successful Network Marketer. If you're not coachable, than you're going struggle. Don't question it because you just don't have the experience, wisdom, and a documented success where as they do. 3.
Work The System- It's an expansion of number 3, but that they have a proven system that anyone can follow it consistently and exactly how the Mode Of Operation was established Most have such a huge ego that no one can tell them what to do or that they know better than a documented successful Network Marketer. They want to recreate the system rather than work the proven system. 4. Tell Your Story- Most don't actually used their products and so they don't have a story of change to share with others.
As in, being the product of the product. They also don't do the work as in developing the 7 skill-sets of a Network Marketer, they don't harder on themselves as far as personal and professional program, and working the system. So they are not experiencing the residual income. Now they don't have that as part of their story too.
Having a story is huge. People buy into the person and their story. It's okay to start of with their basic story while leveraging other people's stories. But, you must create your story beyond the basic by being the product of the product and doing the work consistently.
5. Keep It Simple-What a Network Marketer does must be duplicable. Meaning that it is so simple that anyone can see themselves doing it and doing it consistently overtime. Which goes back to work the system that is simple.
Most over complicate it when it is simple. 6. Sift And Sort- This has to do with developing the 7 skill-sets of a professional Network Marketer. Read GoPro.
7. Support Your Downline- You have to be a leader by inspiration. Your team members or business partners will do what you're doing. What you're doing will teach them what it is like to build their team and customers.
Teach them by example and by encouraging them to do all 7 pillars of Network Marketing. The one book I highly recommend besides Eric Worre's "GoPro" is "Your First Year In Network Marketing by Mark Yarnell.
He covers the common pitfalls people fall into that keeps them from being a success. I have a system that teaches people what they need to do to be a successful Network Marketer with a daily mode of operation document.