citizens one and Apple Care

I am pretty mad at Apple right now regarding their Apple Care - specifically the iPhone upgrade program and what I view as unethical loan practices and deceptive marketing. In April of 2018 I went to the Apple store and signed up for the Apple Care Plus plan and purchased an iPhone through them at the store. At the time of the purchase they sent my financial information to their partner - Citizens One Bank who billed me 24 installments of $43.66 for the iPhone. Under the terms of this purchase I understood that I would pay $43.66 every month and could upgrade through Apple to a new phone when I was eligible. One year later (last month) on April 16, 2019, Apple sent me an email indicating I was eligible to upgrade my iPhone. I clicked on the link in the email and after selecting a new phone (I dropped the extra theft/drop protection that I had initially purchased as I didn't use it the last year but remained in the Apple Care plan) I was brought to the monthly payment screen where it showed the new monthly payment of $39.54 (which seemed alright to me). A few days later the new phone came, and a few days later an empty box came in which I had to put my old phone to return it. I thought that was the end of it until I noticed Citizens One bank was continuing to bill me monthly for the old iPhone which I had returned. I was now being billed separately on my new Apple Card for the new phone as well. Instead of paying off my old phone - they simply opened up another loan in my name which was not at all what I understood the terms of the upgrade program to be. Has anyone else had this problem?