Buying a financed iphone

Discussion in 'iPhone' started by citivolus, Oct 3, 2016.

  1. citivolus macrumors 6502a

    Sep 19, 2008
    I have AT&T and am buying an iPhone from someone on Craigslist. He said the phone is being financed with at&t but he switched to Verizon and that Verizon is supposed to pay off the phone to at&t. Should I be concerned that after I get the phone at&t will blacklist the phone because it wasn't paid off?
  2. blaine07 macrumors 68000

    Nov 14, 2014
  3. Applejuiced macrumors Westmere


    Apr 16, 2008
    At the iPhone hacks section.
    Verizon doesn't pay AT&T for the phone.
    Stay away.
    Verizon pays the customers etf but the customer chooses what to do with that money.
  4. citivolus thread starter macrumors 6502a

    Sep 19, 2008
    So if the customer doesn't pay the etf, then will at&t blacklist the phone? If this is really a scam then why would the seller disclose it is being financed?
  5. noobinator macrumors 603


    Jun 19, 2009
    Pasadena, CA
    I'd avoid it because there's plenty. It being financed that are for sale.

    From what I've heard though att won't blacklist and will go after the person that owes the money only. T-Mobile is the one famous for blacklisting.
  6. EDH667 macrumors 6502a


    Nov 25, 2009
    Northern California
    Meet him at an AT&T corporate store so you can verify that he pays it off before you purchase the phone. If he disagrees, don't purchase the phone from him.
  7. Applejuiced macrumors Westmere


    Apr 16, 2008
    At the iPhone hacks section.
    I don't know why.
    It's your money though, go for it and hope for the best...
  8. Mlrollin91 macrumors G5


    Nov 20, 2008
    Ventura County
    This and as stated by EDH667, make sure its a corporate store and not a retailer location.
  9. citivolus thread starter macrumors 6502a

    Sep 19, 2008
    Thanks for the tips. Is there website where one can check if a phone is still being financed with the serial number?
  10. Relentless Power macrumors Penryn

    Relentless Power

    Jul 12, 2016
    You don't need a website to do that. You can call the carrier directly and they can advise if their is pending money owed.
  11. lordofthereef macrumors G5


    Nov 29, 2011
    Boston, MA
    ATT doesn't blacklist phones for non payment. Or at least they didn't used to as of a year or so ago. That said I would make sure henohone is paid off. It will also allow you to unlock it.
  12. citivolus thread starter macrumors 6502a

    Sep 19, 2008
    I chatted with AT&T and provided them with the IMEI and they said the installment payments have not been completed yet. However they also said that in the event the owner stops making the installment payments, I can continue to use the phone on AT&T, but I just won't be able to unlock it. anyone have personal experience with this?
  13. Subwaymac macrumors regular


    Apr 1, 2009
  14. Brandonjr36 macrumors 68000


    Sep 12, 2016
    I got burned on an iPhone 6 one time. I will not buy another used iPhone again. its just not worth it. Your probably not saving much if any at all. I'd rather just buy a brand new one with a warranty and not have to worry about anything.

    Oh and if Verizon were to pay it off they would want the phone there not just gonna pay it off and let him keep the phone.
  15. Daniel L macrumors 6502

    Sep 15, 2009
    I didn't know it at the time but I ended up purchasing a 6s+ from a person who financed and never paid it off. AT&T never blacklisted it but they also never agreed to unlock it. I called customer service to confirm and they said it'll continue to work indefinitely.

    Oops: didn't read your follow up post but yes, CS said the same thing to me
  16. JulesJam Suspended


    Sep 20, 2014
    TOTAL SCAM! Verizon requires that you turn in the financed phone to them before they will reimburse you for it. There is NO WAY to get Verizon to reimburse you for a financed phone without turning in the financed phone.
  17. uwdude macrumors 6502a

    Jul 16, 2014
    What AT&T is saying is true, they won't blacklist it, however, you're trusting that person not to turn around and do an insurance claim on it- that is what would blacklist it. Most people are honest and don't do that, but there are some unscrupulous people who bounce from insurance claim to insurance claim and carrier to carrier getting new phones and selling the old ones, so we can't have nice things.
  18. BigMcGuire Contributor


    Jan 10, 2012
    I've been burned buying used phones. Even though the seller was found in the wrong, they closed his account and I only got back 20% of what I paid. I will not be doing that again unless I know the person in real life. It's not worth saving the few $$$ imo.
  19. Newtons Apple macrumors Core

    Newtons Apple

    Mar 12, 2014
    Jacksonville, Florida

    Could be the current owner thinks you will check and see.

    Just walk away from this one no matter how good of a price you are being offered.

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