Ok, OP here. What a CF this was and most likely my fault unwittingly since I upgraded last year without any issues.
I, for some unknown reason
, started a whole new loan with another iPhone instead of upgrading my present iPhone X like I desired.
Without the superb help of Apple Customer Relations I could not have untangled the mess. This involved call to Sales, First Citizens, etc., several for each. And that I had to return and wipe out the "new" loan within 14 days of receipt. Just made it under the wire.
Also good is that this year I was able to go to an Apple store and complete (started online) the purchase/return and make sure it was all take care of. Good because there were no stocking issues and they had a space grey iPhone XS Max 512 ready for sale.
I returned the "new" iPhone an am now waiting for the loan to be wiped out and my payment, tax, etc. to be refunded.
Next year I will doubly make sure I am upgrading and NOT starting a new loan. It was 12:01AM so I was not at my best.