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iUP Citizens charged for existing iPhone even though pre-ordered and pre-approved for new iPhone

K

kjotwani

macrumors regular
Original poster
As title says. Citizens charged 13th payment for existing iPhone iUP payments even though the new iPhones were pre ordered and pre approved.
Will a credit be issued by Apple? Anyone any ideas?
 
Last edited:
kjotwani said:
As title says. Citizens charged 13th payment for existing iPhone iUP payments even though the new iPhones were pre ordered and pre approved.
Will a credit be issued by Apple? Anyone any ideas?
Click to expand...
Don't think there is anyway Citizens knows you placed an order or nothing official until you activate the new phone. You could cancel and they would not have collected payment. I think will all be worked out once you get new one activated and turn in.
 
Wags said:
Don't think there is anyway Citizens knows you placed an order or nothing official until you activate the new phone. You could cancel and they would not have collected payment. I think will all be worked out once you get new one activated and turn in.
Click to expand...
Well since we go through the pre-approval process for iUP. Citizens should have info about our current loan and it should be linked to the iPhone (7plus). And once a new approval is done, a new loan is created and could be linked to the existing loan. They could put on hold for 30days on the older loan if the 7plus isn’t returned within that time frame then continue charging it.

They should have info about both our loans I would expect.
 
Why would you be getting a full refund? You own the phone for the week. Maybe they'd give you a prorated refund but you shouldn't expect the entire amount back I wouldn't think.
 
dwd3885 said:
Why would you be getting a full refund? You own the phone for the week. Maybe they'd give you a prorated refund but you shouldn't expect the entire amount back I wouldn't think.
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Yup pro rated is fine. Just need some info from Apple or citizens somewhere mentioning this.
Coz Apple earlier told that the existing loan would be put on hold for 30 days after the pre-approval and pre-order.
 
kjotwani said:
Yup pro rated is fine. Just need some info from Apple or citizens somewhere mentioning this.
Coz Apple earlier told that the existing loan would be put on hold for 30 days after the pre-approval and pre-order.
Click to expand...
You need to find that supposed statement in writing, and provide it to Citizens.
 
kjotwani said:
Well since we go through the pre-approval process for iUP. Citizens should have info about our current loan and it should be linked to the iPhone (7plus). And once a new approval is done, a new loan is created and could be linked to the existing loan. They could put on hold for 30days on the older loan if the 7plus isn’t returned within that time frame then continue charging it.

They should have info about both our loans I would expect.
Click to expand...
Just not the way normal banking works.
-what if you cancel
-what if this is an X and delivery is 6 weeks
- what if you don't return your current iPhone

Why would Citizens put themself at risk. They loaned the funds not Apple.
 
would they know once you return the phone? that's technically when your contract with them ends on the old phone.
 
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