I am not even sure I will return to IUP, but I might. Working with Apple to resolve my issue went well, albeit slowly. Citizens made a variety of screw-ups. I called them to change my credit card. They made the change and then payments began to be rejected. They had the correct info from me, but their system corrupted the information.
Then I wanted to pre-pay the loan.so I could upgrade to an X from an 8 plus after 6 months. That proved to be a monumental undertaking. Apple’s systems were fine with it, but Citizen’s systems could not handle the pre-payment. That finally got worked out, but then they dragged their feet about an AppleCare plus refund. The refund had to come through Citizen and not Apple!
I was finally so disgusted that I just paid off the 8 plus and left the IUP. I traded in the 8 plus to Verizon and got the X at the Apple Store.
Apple should look at the program in its entirety. It’s not only about the issue facing those who exchanged their phone, it is the multiplicity of varied issues that surround the program that don’t work well.