Sooooooooooo, I go into the Apple store and try to exchange my silver for a gold iPhone.. same specs (256GB, Xs Max). I didn't realize, or rather it wasn't explained to me that I would have to close my current IUP loan, and open a new one!
When they attempted to push through the new loan is was declined, due to my Equifax report being locked (completely forgot about that). Equifax unlocked my report, but it's still coming up declined!!! Now they are explaining that because I have an iPhone X loan (haven't returned that phone yet), and a "return" status Xs Max, it may be causing an issue with the approval ??? HUH?!?!?!??!
So, I asked the genius if this means I don't have a phone, technically? How the heck did the approval process work last week (considering my equifax report has been locked for over a year!!)?
I understand dealing with 3rd parties can sometimes bring on issues, but shouldn't a simple exchange be more seamless???!?
Has anyone else dealt with this before?How did you handle it??
Needless to say, they let me leave the store with my "returned" phone, but I have no clue what the next steps are?
I spoke with someone from Apple over the phone, and she claims that if I do nothing (e.g. keep the Xs Max, and send back the X), everything should normalize and the citizens loan that was "closed" will remain open..
Sorry if this sounds way off, but I am completely confused by this process and I get different answers depending on who I ask (apple store, apple phone support, citizens one...)...
When they attempted to push through the new loan is was declined, due to my Equifax report being locked (completely forgot about that). Equifax unlocked my report, but it's still coming up declined!!! Now they are explaining that because I have an iPhone X loan (haven't returned that phone yet), and a "return" status Xs Max, it may be causing an issue with the approval ??? HUH?!?!?!??!
So, I asked the genius if this means I don't have a phone, technically? How the heck did the approval process work last week (considering my equifax report has been locked for over a year!!)?
I understand dealing with 3rd parties can sometimes bring on issues, but shouldn't a simple exchange be more seamless???!?
Has anyone else dealt with this before?How did you handle it??
Needless to say, they let me leave the store with my "returned" phone, but I have no clue what the next steps are?
- Do I need to eventually return this phone?
- Am i still on the hook paying for the X, which I plan to send back this weekend
- Will I be on the hook for the total price after 14 days, since the Xs Max citizen loan was closed?
I spoke with someone from Apple over the phone, and she claims that if I do nothing (e.g. keep the Xs Max, and send back the X), everything should normalize and the citizens loan that was "closed" will remain open..
Sorry if this sounds way off, but I am completely confused by this process and I get different answers depending on who I ask (apple store, apple phone support, citizens one...)...