About John Cummuta
John Cummuta advertises his course, Transforming Debt into Wealth, online and through many radio commercials. He claims that he can teach people how to not only eliminate debt but learn how to make sound investments and set up additional streams of income.
John Cummuta is also an avid speaker and has hosted seminars for big names such as Tony Robbins and the Learning Annex. However, he is still most recognized for the Transforming Debt into Wealth System.
As far as his debt management techniques are concerned he offers standard and sound advice. In reality there is no secret to getting out of debt, it is a matter of organizing, prioritizing, and serious saving.
Once you have set a monthly budget for yourself and have organized all your debts there are various strategies for the order of paying off your debts. For example debt management coach, David Ramsey, advises to pay of the smallest debt first in order to benefit from the satisfaction of eliminating a debt.
Other debt management specialists will urge you to calculate out the interest rates per debt and develop a long term plan that will save you more money. Regardless of which plan you choose the most important part is sticking to it and not breaking your discipline.
98 ‘John Cummuta’ Reviews
The majority of the negative reviews are directed at the company and the customer service reps.
Did anyone actually use the produce?. I don't understand how you can honestly say the product/company is a scam if you haven't even given the product a chance to do what John says it can do.
These people are the rudest people I have ever tried to talk to on the phone. If anyone is thinking about trying this product please read and listen to the reviews. I was told the only thing they will deduct from my account is the shipping fees to try the product. I was never told they would charge my account $130 for the product I didn't even use because I couldn't get the cd's to work. When I called they were EXTREMELY rude. I contacted my bank and was told it was nothing they could do.
My wife and I purchased this system and have really enjoyed it, we have reduced over $80,000 in debt in only 18 months. It works and is not a scam. This has changed out life and we will pay off our house the final bill we have in 42 months.
This is no scam - it's common sense! You folks who are complaining about it and calling it a scam have got to be among the most irresponsible people on the planet. What's with you folks? No one twisted your arm to buy it in the first place and, like others have said, if you returned it on time you would have gotten your refund. Doesn't work in your computer? Send it back for a refund or, and this is a novel idea, get your computer checked out! I have two desk top computers - the software works in one but not the other. No surprise - one computer has had problems for a while now with different software programs. I'll just have to erase everything and reinstall it all. Should fix it. Not John Commuta's fault.
Scam all the way. Cancelled the first time. They kept calling. Agreed to a "consultation", they couldn't even keep the appointment time. Just a "boiler room" operation. Stay away, stay away.
I didn't have at very good experience with this company. I got plenty of calls, pushing me to go further and further into debt with them. I didn't know the cost of the product, and when I asked, they shuffled me from one place to the other. I never did get an answer until they started taking out installments from my bank acct. When I called and told them I wanted to cancel, I was treated like I was the one trying to scam them because I wanted my money returned. I had to report them to the Better Business Bureau to even get back one installment returned.
Meanwhile, they have all their products back and $240.00 dollars, which I have to buy products from them to recoup my money. They refuse to return it any other way. I don't want any more to do with them, but refuse to totally lose all my money with nothing to show for it, so I guess I'll order something and be done with it. VERY SHABBY way to do business!
This is the WORST company that I have ever tried to work with! The man that I talked to when I called the 800 number was so sweet and nice. He said that there would be a $6.95 shipping charge, which I thought was reasonable. He said that since it would take "a little while" to get the package to me, my 30 day trial period would not start until I received the package. I guess I should have asked what "a little while" meant.
They debited my account on April 10th for $6.95. While I was reconciling my bank account for May, I noticed that they had debited my account for $89.98. I had never received the program so I called what I thought was their customer service department. These people could really use some customer service training! I spoke with Ruth who was extremely rude and asked me why I was just now calling to report that I had not received it.
I explained what the man had said to me about it taking "a little while" to receive it. She basically called me a liar. She said that the representative would not have said that because all their representatives were trained to say "a couple weeks." She said that she had UPS confirmation that I had received the program. I again stated that I had never received the program and wanted them to make this right by either refunding my money or sending me the program. She said she would file a claim with UPS and that UPS would be contacting me in the next week and that if I didn't cooperate with them the claim would be denied. This was on June 10th.
As of today I have not heard a word from this company or UPS. I checked my bank statement again and they debited my account for another $89.95 on June 15th so I called them back. I spoke with Julie today who was even more rude than Ruth. She again asked why it had taken me so long to report that I had not received the product. I explained the situation again and said that I had not heard from them or UPS since June 10th. She said, "Well, these things don't happen overnight." Then she asked me if they have the correct contact information for me. I asked her what information they had. She read off a phone number that started with an area code of 917. I told her that I don't even know where the 917 area code is and that I lived in VA and my area code was 804.
I gave her the correct phone number and she said that she would send the correct information "up to shipping." I told her that I no longer wanted the program and I wanted a full refund. She said that she couldn't do that until the claim was resolved. I said Ok then just stop debiting my account until the claim was resolved. She said that she couldn't do that either. So I asked to speak to a supervisor. She said, "Maim, we do not escalate calls." I said then I would just have to call the BBB and she said, Maim, you are free to do that." I said that I was going to call VISA and get the debits stopped. She hung up on me.
I have called VISA and they are stopping all payments to this company and are filing a dispute with the company over the other 3 charges. I never received the product and I will not stop harassing them until I get a full refund of my fees. If VISA can't get it back for my, I will call the BBB, the Attorney General, and anyone else that I can think of.
I will also get into further debt and hire an attorney to get my money back as well as attorney fees and punitive damages. These people are just bullies and think that we will give up and just let them keep the money. If you have been scammed by this company, please stand up for your rights. If you have not been scammed by this company, don't allow them to pull the wool over your eyes to.
I would suggest that before he takes any money send it back and go to your bank or call your credit card and request a stop payment on your account it may cost 30 to 35 dollars with your bank or credit card,but I will assure you it is a lot cheaper than spending thousands of dollars for a worthless products.He needs to be reported to the Better Business Bureau.
If you get an invitation to get his CD and Book, you need to call a number. The invite totally free, but when you call you have to pay for shipping and handling. Now they have your credit card info and will charge you after a month if you do not return the items. Don't bother with this scam.
PEOPLE.... You have to follow basic instructions. The company gives FULL REFUND but you have to return it within 30 days. VERY SIMPLE. If you call customer service after 2 months of sitting around and watching TV thinking "I'll get around to returning it later" then GUESS WHAT.... NO REFUND. This isn't rocket science. You need to READ INSTRUCTIONS. Ever wonder why you're in debt in the first place? Could it be that you've been living you whole life ignoring instructions and blaming someone else (I got sick, I forgot, waa waa waa, My pinky hurts, waa waa waa, I forgot to send the disks back, waa waa waa). Take responsibility for your own life people! Look at the guy complaining on here that the disks wouldn't work on his computer (yeah, right, what did he do, put the disk in upside down)? And then HE NEVER SENT THE THING BACK? Come on, that's just STUPID. If you don't have the guts to go through the program, return it. No questions asked. 30 days. Every single comment on here is related to two things: (1) STUPIDITY (2) NOT FOLLOWING INSTRUCTIONS.
I would like to mention one more thing. It may just be your own arrogance and stupidity that got you in debt in the first place. Have the humility to eat it up and ask yourself, "ok I FOULED UP, now where do I go from here?" instead of saying "Magic beans will help me; I'll just order the disks, make a copy for myself, and send them back and go back to watching TV and make the company give me a refund". OK. Let me know how that works out for you in 10 years, when your TV is finally being repo'd. No TV. Just imagine what you will do without your best friend the TV. Oh wait, maybe then you'll finally start to go through the program to get out of debt. But - wait a minute - you can't! Because your computer got repo'd. Poor dumb you. Dummy dummy dum dum blaing everyone else for your own mistakes.
Get real - grow up and take some responsibility for your own STUPIDITY!