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CosmoPilot

macrumors 68000
Original poster
Nov 8, 2010
1,537
372
South Carolina
So one of my iPhone 11 orders was a 9/27-10/1 delivery (ordered within 5 minutes of launch).

So I was charged by Citizens One on the 20th of Sept for my old phone (the trade in device), then they charged me on the 21st for my newly ordered phone (it shipped on the 21st).

Anyone know how to get this rectified? Will Citizen One refund that charge once the old phone is received? If not, it's really sad they charge you immediately upon shipping but don't give a 30 day grace period from the date of charges to purchase and return your old phone.

At $60.33/month payment, Apple is making a killing on the millions of devices that shipped 1 day later than last years devices! In essence, forcing a 13th payment even though we ordered the new iPhones on launch date last year and this year.

The first iPhone 11s I order delivered on the 20th. That loan was paused and everything worked as advertised. But for the second phone, I was charged the 13th payment, then the next day it was paused because the new phone shipped.

Thoughts?
 
I know this is an old thread, but felt I should come back and update everyone on how the process works for anyone that wants this information in the future.

So CitizenOne pro-rates any extra payments you might make before you actually get your new iPhone.

In my case, I made a 13th payment ($60.33 payment) one day before my wife's new iPhone 11 Pro Max shipped (the date upon which your old loan is suspended). After I sent her phone back to Apple, my account with CitizenOne was closed, and a refund was issued back to my Credit Card for an amount of $58.32 (I was basically charged for 1 day extra use).

This information isn't available on any Apple literature regarding the IUP, and their own telephone reps didn't know then answer either.
 
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