Other Apple upgrade charged 2 extra payments?

Discussion in 'iPhone' started by michael31986, Sep 29, 2018.

  1. michael31986, Sep 29, 2018
    Last edited: Sep 29, 2018

    michael31986 macrumors 68040

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    Jul 11, 2008
    #1
    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.
     
  2. Mad4clay macrumors 6502

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    Minnesota
    #2
    I got the same email a bit ago. I'm hoping it's wrong.
     
  3. michael31986 thread starter macrumors 68040

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    #3
    I'm calling now to confirm. Thats crazy and stupid.
    --- Post Merged, Sep 29, 2018 ---
    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.
     
  4. Mad4clay macrumors 6502

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    #4

    Good to know! Thanks for calling on it.
     
  5. sevimli macrumors 6502a

    sevimli

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    ChiTown
    #5

    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.
     
  6. michael31986 thread starter macrumors 68040

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    #6
    Why would you need to keep it if you got the new phone. I'm just wondering.
     
  7. Armendegga, Sep 30, 2018
    Last edited: Sep 30, 2018

    Armendegga macrumors 6502

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    #7
    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.
     
  8. michael31986 thread starter macrumors 68040

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    #8
    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
     
  9. Armendegga macrumors 6502

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    Valdosta, GA
    #9
    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.
     
  10. Mad4clay macrumors 6502

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    #10

    Oh that's GREAT! NOT!
     
  11. Wags macrumors 65816

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    Nebraska, USA
    #11
    I had got a refund refund from a payment before. Seem to take in account when the switch over to new unit took place.
     
  12. Armendegga macrumors 6502

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    #12
    That makes me feel better.
     
  13. Armendegga macrumors 6502

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    Valdosta, GA
    #13
    I did get charged the extra payment today for both old loans.
     
  14. ac360 macrumors newbie

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    Oct 2, 2018
    #14
    Me too... I returned my iPhone X which will be delivered today. This morning, I got charged by Citizens One.
     
  15. r21b73 macrumors newbie

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    Sep 23, 2018
    #15
    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.
     
  16. Armendegga macrumors 6502

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    #16
    That's the weird thing. They definitely put them on hold last year... I don't know why they didn't this year.
     
  17. lsh macrumors 6502a

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    Feb 6, 2012
    Location:
    Cincinnati, OH
    #17
    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.
    --- Post Merged, Oct 2, 2018 ---
    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.
     
  18. Mad4clay macrumors 6502

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    #18
    I actually got a refund of the phone I exchanged last night. So strange how this is so different for people.
     
  19. Armendegga macrumors 6502

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    Mar 18, 2009
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    Valdosta, GA
    #19
    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).
     
  20. hansenc macrumors 6502

    hansenc

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    Jun 16, 2004
    #20
    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.
     
  21. Koshkaboo macrumors member

    Koshkaboo

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    Sep 14, 2018
    #21
    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....
     
  22. Armendegga macrumors 6502

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    Mar 18, 2009
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    Valdosta, GA
    #22
    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.
     
  23. eneisch macrumors 6502a

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    Jul 11, 2008
    #23
    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.
     
  24. MuGeN PoWeR macrumors 68030

    MuGeN PoWeR

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    Jun 29, 2011
    #24
    you will get a refund on your card but it will take 2 months lol
     
  25. hansenc macrumors 6502

    hansenc

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    Jun 16, 2004
    #25
    No credit yet for the one loan that got charged an extra payment on 9/27.
     

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44 September 29, 2018