You are right, Citizen One does not close out your old loan until your phone has been returned. However, this has caused me another issue. When I got my Max Apple charge me or the last (12th) payment on my IUP loan. Today Citizen One also charged me for a monthly payment (13th payment). My old X is currently en route to be returned to Apple (arriving today). Hopefully this will sort itself out and citizen one will credit me for the extra month.
I'm going through a similar issue! Doesn't help that I did a exchange (same return process), so right now I have THREE charges, monthly payment for X, Xs Max (returned\exchanged), and new Xs Max!
For the 7+ to X upgrade I had already made 12 payments and satisfied my contract by the time the X came out (since the X came out late). I don't think Apple charged me for an "early upgrade payment" as part of my X purchase.Crazy! Everyone I spoke with claimed that the old loan (X) was on HOLD until they received the phone. Maybe I misunderstood, but when they said on "hold", I took it to mean, no charges would happen for the old phone as long as it was shipped by 10/8.
I don't recall what happened with the 7+ to X upgrade, but I'm anticipating getting a refund!!
I have this too. My guess is that the old loan will close out and there’ll be an overpayment and there’ll be a credit. Still you’d think that they’d think of this. They can move milljions of phones around and have total logistics superiority but a simple upgrade program falls thru the cracks a bit (many customers have same exact situation since launch dates etc are common for day one customers...That sounds exactly like all of my phone calls. Just take it to an Apple Store. That will be the only solution that will work.
Alright I just called Citizens One, because it was bothering me too much to wait. The person on the phone said that I should wait two weeks. She said that it’s up to Apple to decide whether or not a refund is given, but that it will come through to my bank from Citizens one. Very odd. She said to call Apple in two weeks if I haven’t gotten a refund. The phone number she gave was just Apple’s generic support number. Lastly, she said if Apple says to call citizens one then to request a 3 way phone call to figure it out. Not too helpful, but I’m saving all the paper, email, and bank statements associated with this.
They will refund your CC. since it's a completely different loan.FYI...My IUP Citizens One Loan for the returned phone shows a credit balance now in the amount to the 13th payment. Not sure if they will refund my CC or apply credit to my next XS Max payment, but least they've acknowledged the extra payment.
FYI...My IUP Citizens One Loan for the returned phone shows a credit balance now in the amount to the 13th payment. Not sure if they will refund my CC or apply credit to my next XS Max payment, but least they've acknowledged the extra payment.
Same thing happened to me. Apple had no record of me being on the IUP. Even with me having a loan through CO and being able to upgrade on 9/14. Fought with Apple for a week and they kept telling me to talk with CO. They were never going to send me the box to return it, so I just paid the GD thing off. I hate Apple right now.