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Other Apple upgrade charged 2 extra payments?

michael31986

macrumors 68040
Original poster
Jul 11, 2008
3,955
541
so when I preordered the iPhone max it gave me the total with an extra payment for my iPhone x. I understood that cause the x came out later last year.

But now I got an email from citizens one saying my payment for October for my iPhone x will come out next week.

Has anyone had this happen? I have the receipt that says upgrade payment which is the same amount as my payments for my old iPhone.
 
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michael31986

macrumors 68040
Original poster
Jul 11, 2008
3,955
541
I got the same email a bit ago. I'm hoping it's wrong.
I'm calling now to confirm. Thats crazy and stupid.
[doublepost=1538264110][/doublepost]
I got the same email a bit ago. I'm hoping it's wrong.
Okay I called and they said my loan was on hold and that I shouldn't be charged for October and to ignore the email.

I am of course going to keep the email and wait to see what happens. She just said make sure to return my iPhone, which I will def. do so.
 
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Mad4clay

macrumors 6502
Aug 10, 2013
332
136
Minnesota
I'm calling now to confirm. Thats crazy and stupid.
[doublepost=1538264110][/doublepost]
Okay I called and they said my loan was on hold and that I shouldn't be charged for October and to ignore the email.

I am of course going to keep the email and wait to see what happens. She just said make sure to return my iPhone, which I will def. do so.


Good to know! Thanks for calling on it.
 
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michael31986

macrumors 68040
Original poster
Jul 11, 2008
3,955
541
Do you guys know why we cant keep our iphone X another month? We are getting charged for the extra month, but apple want it in 14 days.

Dont think this is fair.
Why would you need to keep it if you got the new phone. I'm just wondering.
 
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Armendegga

macrumors 6502
Mar 18, 2009
315
212
Valdosta, GA
I just spoke with Citizens and was told a different answer...

They just told me that until they receive the phone back any additional payments will be applied, and because my payment due date is 10/2, that unless they have the phone before then, it will be charged. FedEx currently is on track to deliver it on 10/2, so I will likely be charged.
 
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michael31986

macrumors 68040
Original poster
Jul 11, 2008
3,955
541
I just spoke with Citizens and was told a different answer...

They just told me that until they receive the phone back any additional payments will be applied, and because my payment due date is 10/2, that unless they have the phone before then, it will be charged. FedEx currently is on track to deliver it on 10/2, so I will likely be charged.
That wouldn't make sense. I already made my September payment and paid apple for the full October payment with the buying of the X's. If you get charged show your receipts
 
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Armendegga

macrumors 6502
Mar 18, 2009
315
212
Valdosta, GA
I absolutely agree that it doesn't make sense. There is no reason we should get charged again since we were forced to make the extra payment in the first place. I know last year when I upgraded, the citizens one loan updated on their site to show that it was on hold, but I didn't get that same notification this year.

I am hoping that the rep the other person quoted in here is correct, and that we don't actually get charged... I'll post back on 10/2 and let you know if I do or not.
 
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Mad4clay

macrumors 6502
Aug 10, 2013
332
136
Minnesota
I just spoke with Citizens and was told a different answer...

They just told me that until they receive the phone back any additional payments will be applied, and because my payment due date is 10/2, that unless they have the phone before then, it will be charged. FedEx currently is on track to deliver it on 10/2, so I will likely be charged.


Oh that's GREAT! NOT!
 
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Wags

macrumors 65816
Mar 5, 2006
1,404
961
Nebraska, USA
I absolutely agree that it doesn't make sense. There is no reason we should get charged again since we were forced to make the extra payment in the first place. I know last year when I upgraded, the citizens one loan updated on their site to show that it was on hold, but I didn't get that same notification this year.

I am hoping that the rep the other person quoted in here is correct, and that we don't actually get charged... I'll post back on 10/2 and let you know if I do or not.
I had got a refund refund from a payment before. Seem to take in account when the switch over to new unit took place.
 
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r21b73

macrumors newbie
Sep 23, 2018
3
0
Yeah I just got charged today as well for mine and my wife’s. Not super happy about this because I didn’t even get my return boxes until mid last week. Especially with making a payment in advance to upgrade. Loan should have been put on hold until the due date for the phones IMO.
 
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Armendegga

macrumors 6502
Mar 18, 2009
315
212
Valdosta, GA
Yeah I just got charged today as well for mine and my wife’s. Not super happy about this because I didn’t even get my return boxes until mid last week. Especially with making a payment in advance to upgrade. Loan should have been put on hold until the due date for the phones IMO.
That's the weird thing. They definitely put them on hold last year... I don't know why they didn't this year.
 
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lsh

macrumors 6502a
Feb 6, 2012
675
163
Cincinnati, OH
I assumed the extra payment was because the X was out later last year, thus not a full year. We are obligated to pay a year. That was a bad deal both ways last year as we had to pay >1 year for the 7. If you didn’t keep your phone, you paid more than half for a phone you gave back.

When your phone ships, Apple puts a hold on the loan. Citizens can’t charge you until Apple removes the hold. I bought my old phone so I had to call Apple to cancel hold so I could call citizens to pay off.

I sent a phone back last week and I just checked, my total payments were half. But always a good idea to check the account to make sure it’s legit.
[doublepost=1538487792][/doublepost]
That's the weird thing. They definitely put them on hold last year... I don't know why they didn't this year.
Check your new phone invoice because you should have already paid an extra month (assuming you bought last season X).

Also check you citizens online payment status. The link is on any citizens payment notification. You need to enter your accounts. Both old and new accounts are on your Apple invoice.
 
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Armendegga

macrumors 6502
Mar 18, 2009
315
212
Valdosta, GA
I assumed the extra payment was because the X was out later last year, thus not a full year. We are obligated to pay a year. That was a bad deal both ways last year as we had to pay >1 year for the 7. If you didn’t keep your phone, you paid more than half for a phone you gave back.

When your phone ships, Apple puts a hold on the loan. Citizens can’t charge you until Apple removes the hold. I bought my old phone so I had to call Apple to cancel hold so I could call citizens to pay off.

I sent a phone back last week and I just checked, my total payments were half. But always a good idea to check the account to make sure it’s legit.
[doublepost=1538487792][/doublepost]
Check your new phone invoice because you should have already paid an extra month (assuming you bought last season X).

Also check you citizens online payment status. The link is on any citizens payment notification. You need to enter your accounts. Both old and new accounts are on your Apple invoice.

Yes, I did pay the extra payment when I preordered last month... I do see both accounts (old loan and new loan). But the old loan was not put on hold. I was charged another payment this morning for the old phones (which will make the 13th payment made).
 
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hansenc

macrumors 6502
Jun 16, 2004
477
107
One of my loans was put on hold correctly and didn't charge (also didn't get email) the other however wasn't and I was charged and did receive the email warning. Called Citizens One and was told the 13th payment would be refunded.
 
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Koshkaboo

macrumors member
Sep 14, 2018
71
26
Yes, it is annoying. DH and I just both got charged the payment for the X even though we have the XS Max now. We only got our boxes for the return at the end of last week and sent them off on Monday. I will wait a couple of weeks and see if a refund is forthcoming....
 
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Armendegga

macrumors 6502
Mar 18, 2009
315
212
Valdosta, GA
Well, looks like this morning the loan updated. Now both old loans have a credit of $49.91 each on the citizens one site. Assume that means they will be crediting that amount back.
 
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eneisch

macrumors 6502a
Jul 11, 2008
690
184
Well, looks like this morning the loan updated. Now both old loans have a credit of $49.91 each on the citizens one site. Assume that means they will be crediting that amount back.
Mine updated too. Account balance for that load now shows -$56.16. Assume this means they will either credit my card, or apply the credit to next month's payment on the XS Max. I'm OK with either.
 
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MuGeN PoWeR

macrumors 68030
Jun 29, 2011
2,809
859
Mine updated too. Account balance for that load now shows -$56.16. Assume this means they will either credit my card, or apply the credit to next month's payment on the XS Max. I'm OK with either.

you will get a refund on your card but it will take 2 months lol
 
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hansenc

macrumors 6502
Jun 16, 2004
477
107
No credit yet for the one loan that got charged an extra payment on 9/27.
 
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