Paying two bills for the same IPhone 7 !!!!!!

Apple only sells phones directly for the entire cost at time of purchase. If you got it directly from Apple's web site, or an Apple Store, they will never charge you more than the list price. It seems you were charged monthly plus a rather high interest rate. Apple has nothing to do with another company's billing practices.

Apple also has no control over what Sprint does. They can't tell another company what to do. From what you state, it seems they were charging you monthly fees over and above on a phone you were already paying monthly fees for. Since you were already paying Citizen's Bank's steep fees for a short loan on the phone, Sprint should not have been charging you any lease fees.

But, this depends on the loop of acquisition. If you bought the phone from Sprint, and they in turn sold the loan to Citizen's Bank, then they are in a roundabout way billing you twice. They would consider the phone a lease since you didn't pay for it yourself, but allowed them to pass off the payments to a third party bank (without even asking you). The bank charged you an exorbitant interest rate on the loan Sprint created.

And I do mean a highly exorbitant interest rate. The bank has so far collected (per your note) $1,460 dollars, and yet somehow, $888 of the principle still needs to be paid. At this rate, the phone is going to end up costing you five grand before the bank is paid off. This is textbook loan sharking.

There is some speculation here as it's a bit difficult to read through an unbroken story (no paragraphs to separate unrelated pieces). I'd contact the Better Business Bureau and the Attorney General.

The bank likely classified the loan as a cash advance. Always the worst possible way to be charged for any loan. Such loans have the highest interest rates possible.

I see I figured this incorrectly the first time. You've paid $600 so far in principle/interest with $888 principle remaining. You don't mention what the iPhone 7 cost, but I put together quick numbers that come up to your loan.

If the iPhone was $750 on a 24 month loan, then in order to achieve a monthly payment of $59.44, the interest rate is an astounding 72% !

Do whatever you can to contact the bank. Find out what the current payoff of the loan is and pay it in full immediately.

And very seriously, I would report these excessive fees to the Federal Reserve System. It's probably in the contract from Sprint somewhere that they may sell the loan, but that doesn't excuse 72% API rates.