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Stolen iPhone 7 on Citizen One payment plan

N

nygiants242

macrumors member
Original poster
Oct 11, 2007
98
2
Hey guys - my sisters iPhone 7 was stolen yesterday evening unfortunately :(

It was bought via Citizen One. Do we just end up paying the reminder for the next 21 months? Apple Care obviously doesn't cover theft. We keep trying to call Apple who points us to Citizen and then vice versa.

Thanks!
 
What about your carrier? Do you have insurance through them?

On another note, this is the reason why I got rid of AppleCare and stuck with Asurion through at&t. At least I know if the phone is lost or stolen, I pay $299 ($149 now since I have a declining deductible) instead of $969 plus tax. Asurion even has screen replacement now at $99 and it won't count as a claim.
 
nygiants242 said:
It was bought via Citizen One. Do we just end up paying the reminder for the next 21 months?
Click to expand...

For the most part.

Feel for you...
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HPLouis said:
What about your carrier? Do you have insurance through them?

On another note, this is the reason why I got rid of AppleCare and stuck with Asurion through at&t. At least I know if the phone is lost or stolen, I pay $299 ($149 now since I have a declining deductible) instead of $969 plus tax. Asurion even has screen replacement now at $99 and it won't count as a claim.
Click to expand...

It's all about level of risk. And if you need a phone right away if it breaks, etc.

I ended my insurance after 6 months of ownership. Didn't feel $12-13 bucks a month was worth it.

Ymmv of course.
 
I think you need to pay it off regardless.. you can't jump off.. if you didn't have any kind of protection agreement "insurance" or even 3rd party "protectyourbubble" your entitled to pay even if you no longer have the device. I worked for asurion and those who would call in and legit say they lost the phone a day after they bought it and DIDNT make a verifying call. Well, denied claim.. and they SOL of the remaining installment plan.


OP it's worth trying to call maybe them to see if maybe they could do something..
 
nygiants242 said:
Hey guys - my sisters iPhone 7 was stolen yesterday evening unfortunately :(

It was bought via Citizen One. Do we just end up paying the reminder for the next 21 months? Apple Care obviously doesn't cover theft. We keep trying to call Apple who points us to Citizen and then vice versa.

Thanks!
Click to expand...

Sorry to hear that she got her phone stolen :oops:

And yes... she has to fully pay back a loan that she took out from a bank to purchase something, regardless if it was stolen.
 
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nygiants242 said:
Hey guys - my sisters iPhone 7 was stolen yesterday evening unfortunately :(

It was bought via Citizen One. Do we just end up paying the reminder for the next 21 months? Apple Care obviously doesn't cover theft. We keep trying to call Apple who points us to Citizen and then vice versa.

Thanks!
Click to expand...

Does she still live air home w/ parents? Do they have homeowners insurance? Or shoe she have renters insurance if she lives on her own? It might be covered depending on the scenario. You have to file a police report and then go through the steps. She should also check w/ her credit card company's purchase protection. In a certain time frame, it might be covered even if stolen but not sure how that works if she was on a payment plan but worth it to call them.

But ultimately, she is responsible for paying it off. The above is how it may alleviate some of the cost burden.
 
Like others said, you still need to pay off the balance. I took insurance through Verizon to cover theft and breakage. Believe it comes out being cheaper than Applecare over the long run
 
E3BK said:
Does she still live air home w/ parents? Do they have homeowners insurance? Or shoe she have renters insurance if she lives on her own? It might be covered depending on the scenario. You have to file a police report and then go through the steps. She should also check w/ her credit card company's purchase protection. In a certain time frame, it might be covered even if stolen but not sure how that works if she was on a payment plan but worth it to call them.

But ultimately, she is responsible for paying it off. The above is how it may alleviate some of the cost burden.
Click to expand...

I dont know if homeowners plans cover stolen cellphone but even if they did I wouldn't put in a claim for a cellphone on my home and then have the insurance go up. Either way most homeowners plans have $500-1000 deductibles so wouldnt help much.
Also the finance plan through citizens doesnt have any theft protection. If she used another credit card for the payments to come out from and that card had theft protection they would only reimburse her for the payments she made so far. Not for the remainder of the loan she has outstanding.
 
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High Desert said:
Don't recall seeing this posted earlier, but has she tried the "find my phone" utility?
Click to expand...

Findmyphone won't be something the law enforcement will act on to help you recover the phone (usually).

Now if you or a friend were to use the app to trace its whereabouts, you can.

Just ask yourself one question before you do...are you prepared to confront whoever has the phone now: that could be the thief or it might be whomever the phone was passed/sold to?
 
bufffilm said:
As long as all parties are in agreement.

I would hate to find out if it wasn't the case. Just saying...
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If it was me, I would allow Law Enforcement handle any confrontations. Not to many criminals are forth coming and willing to return your stolen property. But thats just me.
 
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nygiants242 said:
Hey guys - my sisters iPhone 7 was stolen yesterday evening unfortunately :(

It was bought via Citizen One. Do we just end up paying the reminder for the next 21 months?
Click to expand...
Yes. She took out a loan to buy the phone. She doesn't get out of paying off the loan b/c her device was stolen.

If I were her, I would pay off the loan with a credit card, then start a new loan through Apple's iPhone Upgrade Program to get a new iP7.

The only other thing is if you pay your cell phone bill with a Wells Fargo credit card, they provide theft protection for the first 4 phones on your bill for a $25 deductible. You have to file a police report. I would file one anyhow b/c even if they don't do anything proactively to find the phone, sometimes they bust someone and find your stuff in their home and you can recover it.

https://www.wellsfargo.com/credit-cards/features/cell-phone-protection/

Of course report it stolen to the carrier and wipe it remotely if you have the ability to do so.
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High Desert said:
Like others said, you still need to pay off the balance. I took insurance through Verizon to cover theft and breakage. Believe it comes out being cheaper than Applecare over the long run
Click to expand...
Total Mobile Protection is $12.20/mo where I live with all of the taxes/fees they pile on your bill. That comes to about $293 for 2 years.

AppleCare+ is part of the monthly payment for the AiUP or it is about $137 with the sales tax where I live if you buy it separately but of course there is no loss/theft protection. You also can buy just the Asurion insurance for loss/theft protection, which is about $7.94/mo where I live. For 2 years that comes to about $190 but I only pay for it for 12 months then drop it so about $95 for a year.
 
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Thor_1 said:
That answer is simple: YES
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So how does that play out in real life?

There's a confrontation, you get beaten to $h!t. You wind up with $8K of hospital bills for a $800 phone. Or you are attacked and defend yourself, the attacker sues you and you spend $25K in lawyers' fees fending the guy off over an $800 phone. Or let's say the crazy guy with the stolen phone attacks you with a knife. You're not fast enough and you're RIP over an $800 phone. Or you're faster, but now you're looking at $80K to deal with state charges and civil wrongful death claims over an $800 phone.

I know what I'd do and it has nothing to do with testosterone or some crazy sense of justice. Follow the money here... It's.Just.A.Phone.
 
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newellj said:
So how does that play out in real life?
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I live in the suburbs and in our town you call the non-emergency police number and they will meet you and if you can show with Find My iPhone that the last known location of the phone was at a particular place, they will escort you to knock on the door and ask about your phone.
 
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JulesJam said:
I live in the suburbs and in our town you call the non-emergency police number and they will meet you and if you can show with Find My iPhone that the last known location of the phone was at a particular place, they will escort you to knock on the door and ask about your phone.
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Then your local law enforcement uses poor practices.

I agree the Police will meet with the complainant in a safe area to show the circumstances where the iPhone was last located. But, ONLY should the Police be making contact with the suspect at a residence without being accompanied with the complainant. That's a complete liability for the Department and a safety risk for the complainant to meet at the suspects door.

The suspect could have a warrant, hostile or uncooperative in the least, among other details. And most times, When a criminal see's a Police Officer outside their door, they don't answer it. It could take multiple attempts for contact to be made with the suspect.

Once contact is made and the suspect has been identified, then and only then, the suspect Can be brought to the Department to be interviewed, with the iPhone to be processed For evidence and then released to the owner.
 
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JulesJam said:
I live in the suburbs and in our town you call the non-emergency police number and they will meet you and if you can show with Find My iPhone that the last known location of the phone was at a particular place, they will escort you to knock on the door and ask about your phone.
Click to expand...

Yeah I doubt that would happen.
 
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Report it to the police, make sure to get a case file number.

Then contact your homeowners or renters insurance company and see if they'll cover it. Depending on your policy, they might.
 
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