Processing application with Citizens One? Will email me within 8 hours?

tman1425

macrumors member
Original poster
Jun 23, 2010
68
8
I went through Apple for the iphone upgrade program. The last screen said that it is taking longer to process my application with Citizens One and they will email me with 8 hours for an update.

Has anyone had this happen before? What the heck does this mean?

Thanks
 

ZipZap

macrumors 603
Dec 14, 2007
5,430
856
I think approvals are generally automated. My was approved and I did not see that message. I could mean the have to manually review or something in your credit report flagged it.
 

Nobounds

macrumors newbie
Oct 27, 2017
29
11
I got the same thing. If I even try to do the IUP program process now, it does not let me.
 

RobertD33

macrumors member
Jul 6, 2008
36
0
I went through Apple for the iphone upgrade program. The last screen said that it is taking longer to process my application with Citizens One and they will email me with 8 hours for an update.

Has anyone had this happen before? What the heck does this mean?

Thanks
Same thing happened to me on my second order. I wasn’t sure if it meant that the delivery that was being shown at the time would still be valid and reserved for me during those 8 hours. I realized that it said not to place the order again, but I did and chose the option to pay outright on the second purchase as well. I’m hoping that if the delivery isn’t saved during that 8 hour period, I’ll be able to transfer the citizen one payment to that order and then just cancel the other one. If not, I might as well take whichever one ships earlier and return it to the Apple store just to purchase it again and have them apply the payment option in store.

Edit: To add- If you won’t be strapped for cash, I’d recommend going ahead and purchasing the phone outright now. Then when it does arrive just take it into the Apple store to return it unopened and then you can have them sell the exact phone back to you, but you’ll be able to have them set it up on a payment plan (whether it be IUP or the iPhone payments plan). This is just in case they don’t lock in your delivery date that you saw when you tried processing your order through citizen one. This way you’ll be sure to get the phone sooner than if you were to order it 8 hours from now. Now if we do get the same delivery date when the email arrives, you’ll be able to cancel the full price purchase that you made (Also your card wouldn’t even be charged for it until the phone ships).
 
Last edited:

Djlild7hina

macrumors 6502a
Mar 28, 2009
694
24
Yeah I got the same thing too and haven't received an email or anything. I'm hoping it doesn't reset where I am in the order que because that would suck...
 

ozshadow

macrumors regular
Oct 29, 2011
238
11
Same issue. Sprint via Apple. It locked me out of processing a second phone purchase.
 

ozshadow

macrumors regular
Oct 29, 2011
238
11
Ours was declined due to it saying unable to verify identity. I ordered two direct from Sprint this morning. There was no Citizens One involved.
 

tman1425

macrumors member
Original poster
Jun 23, 2010
68
8
Update: I received an email from Apple saying my application was declined because they couldn't verify my information. So stupid. I even received an alert from Experian that my credit was accessed. In any event, I just went through ATT Next on their 24 month plan. That went through seamlessly, but now the phone is delayed until December. Definitely frustrating, but I'll live...
 

RobertD33

macrumors member
Jul 6, 2008
36
0
As everyone else has stated, I also received the “unable to verify identity” e-mail. This is why you ignore their “don’t place another order” message.
 

Dennison

macrumors regular
Apr 19, 2015
153
133
United States
Same here. I got an email like 3 hours later saying they were unable to do my order. I had to do it when I woke up today and now there is a 5 week minimum delay.
Yep. There's nothing Apple can do for us, but I want them to at least know this happened to their new IUP buyers.

The best thing we can do is go wait in line next week.
 

tman1425

macrumors member
Original poster
Jun 23, 2010
68
8
For anyone that this happened to, did you try ordering through Apple's iPhone upgrade program again? I'm wondering if it went through on the second attempt for anyone. Maybe I should have tried again with Apple instead of going through ATT. Oh well.
 

meetsam23

macrumors 6502
Sep 11, 2014
264
63
For anyone that this happened to, did you try ordering through Apple's iPhone upgrade program again? I'm wondering if it went through on the second attempt for anyone. Maybe I should have tried again with Apple instead of going through ATT. Oh well.
this was the worst preorder for me in years.

1. APple store app didnt come up for 15 mins after 3 AM EST. So went through with ATT.com with a pleasent surprise no issues order. Later this morning the order was canceled from ATT side.
2. Apple store app order landed in reservation email and later I completed it successfully (for now) slated for 2-3 weeks delivery.
3. IUP did not go through. Got 8 hours email and then later this morning got another update they couldnt verify my information.

Culprit behind all of this 3 issues was ATT backend system unable to determine upgrade eligibility for my current iP7+ which is unlocked. This issue shouldnt have happened at all.

I spent an hour with ATT customer reps to get no concrete info on what went wrong and what to fix. The supervisor spelled out the info after some hard talk. Went to ATT store to get the new order done only to find the dates for all 256 GB models slip out to December.

Now keeping an eye on Apple order which is on ATT next. 2-3 weeks delivery, in progress stage and got ATT next installment email. Fingers crossed
 

STOCK411

macrumors 6502
Oct 15, 2007
255
109
For anyone that this happened to, did you try ordering through Apple's iPhone upgrade program again? I'm wondering if it went through on the second attempt for anyone. Maybe I should have tried again with Apple instead of going through ATT. Oh well.
Yes... I ordered right when the app went live and got the "we will email you later" email. At about 12:25AM (PT) I called citizens one and they said my application WAS approved and to check back in in a few hours.... Got an email at 3ish and said we were unable to verify your info... Ordered when I woke up at 6:00 my time and it was approved right away... Called citizens one to make sure I would not have 2 loans under my name and they told me the first one had an error in processing (even though it was approved. (but it was not "officially" approved so I only have one loan under my name
[doublepost=1509130318][/doublepost]So for those in the same boat as me I would call Citizens one and make sure you are not under two loans
 

Kwatson30

macrumors newbie
Oct 11, 2011
10
0
I'm in the same boat as everyone else. Flew through the ordering process with 11/03 delivery date, and unfortunately received the "need to review your application" message and to not try another application. I knew it just meant the system was overloaded (or down), so I redid the ordering process. Every time I redid the process, it gave me an error stating something along the lines of, "you're application could not be processed at this time." So I gave up figuring they had my social and would only allow one application.

I, like everyone else, woke up to an e-mail stating that my application couldn't be processed due to not being able to verify my information. I then had to redo the process, and everything worked perfectly - except the 5-6 week wait. Not a problem since I'm happy with IP7+. Did anyone else experience the same as I did with not being able to enter another application? I also noticed the Citzens One screen looked different the time it worked fine.
 

Dennison

macrumors regular
Apr 19, 2015
153
133
United States
Sounds like this is a brand new issue that hasn't happened before, and either AT&T's or Citizen One's backends bottomed out due to insane server loads. All new IUP customers are stuck at 5-6 weeks now, or got really lucky and got through as you normally would.
 

tman1425

macrumors member
Original poster
Jun 23, 2010
68
8
Now I kind of wish I tried the Apple upgrade program again instead of going to ATT Next. Looks like I'll be making payments to ATT for the next 12-24 months. Unless I'm missing something, there really doesn't seem to be much of a difference between the two anyway, right? I've never bought AppleCare when buying directly from Apple, so not getting AppleCare isn't an issue for me.
 

jmann

macrumors 604
Now I kind of wish I tried the Apple upgrade program again instead of going to ATT Next. Looks like I'll be making payments to ATT for the next 12-24 months. Unless I'm missing something, there really doesn't seem to be much of a difference between the two anyway, right? I've never bought AppleCare when buying directly from Apple, so not getting AppleCare isn't an issue for me.
The main problem is you can't really switch to IUP until your AT&T device is paid or else you have two loans at the same time.
 

ZipZap

macrumors 603
Dec 14, 2007
5,430
856
As everyone else has stated, I also received the “unable to verify identity” e-mail. This is why you ignore their “don’t place another order” message.
This is exactly true. I did not get this message and about 5 hours later a confirmation from Citizens of approval. I believe you are approved on the spot. Apple is not a credit reporting agency, so technically they cannot inform you of a decline. Hence the generic all is good but delayed message.
 

STOCK411

macrumors 6502
Oct 15, 2007
255
109
This is exactly true. I did not get this message and about 5 hours later a confirmation from Citizens of approval. I believe you are approved on the spot. Apple is not a credit reporting agency, so technically they cannot inform you of a decline. Hence the generic all is good but delayed message.
No... I got the same message (processing is taking a bit longer.... we will contact you in ___ hours).. then at 4ish I got an email from apple that they were unable to process my application
 

tman1425

macrumors member
Original poster
Jun 23, 2010
68
8
The main problem is you can't really switch to IUP until your AT&T device is paid or else you have two loans at the same time.
I could just pay it for 24 months and then switch to IUP. The issue seems to be if I want to upgrade via IUP after only 12 months. In that case, couldn’t I just pay ATT the remaining balance, switch to IUP and then sell the old ATT phone? Would it be that easy?