Apple applied for a loan in my name?

Apple is not here.

These forums are supported by users like yourself who have nothing at all to do credit.

I suggest you use the Contact Us icon on the lower right hand corner of the page and talk to Apple from there.

This sounds like you need to talk with the Apple Store Manager - In Person. You have written here in a very businesslike manner. Continuing in that manner - while being assertive may get results, especially if you are standing in the crowded Store

Take a look at http://www.apple.com/shop/iphone/iphone-upgrade-program, in particular the small print at the bottom of the page.

The iPhone Upgrade Program is available to qualified customers only with a valid U.S. personal credit card. Requires a 24-month installment loan with a 0% Annual Percentage Rate from Citizens Bank, N.A. (subject to any interest, fees, or other costs payable to the issuer of the credit card), purchase of AppleCare+, and iPhone activation with a national carrier — AT&T, Sprint, T-Mobile, or Verizon. Full terms apply

It would seem clear that a loan is required to underwrite the upgrade program.

tt2

The iPhone upgrade plan involves a third party (Citizens Bank) and a loan from them. Apple only processed the paperwork for you. There is no way around the fact that you are indeed applying for a loan with Citizens Bank and must be eligible according to their rules. There is also no question that you need to provide your SSN (among other things).

Here are two screenshots from the site linked to earlier:

If you do not like or agree with those published terms, you won't be able to participate in that program as Apple has made the requirements clear. The store employee should have mentioned that - most likely - Apple is not doing a credit check, but the bank extending the loan most likely would.

As for the loan, I would guess that you will need to address that with Citizens Bank.

Consumers do still need to do their own research (caveat emptor always applies) - I tend to check everything before I make a decision. In this case, I had already decided that I am not interested in a "forced upon me" loan; I do not do loans, so this program is not something I'd ever be interested in.

No I think that Apple needs to know that their employees are misleading customers.

I heard about 2 lies while trying to buy an iPhone today. It wasted 2.5 hrs of my time. 😟

I'd like to add that my Apple sales man was pushy and rushing me. He barely gave me time to read anything!

I usually find that walking towards the door when salesmen get too pushy to suit me gets their attention. Nothing they are selling is important enough to put up with a rude salesman.

I did that after getting a refund. Apple Corporate still needs to know what is going on at their stores. Hence I'm posting.

Apple corporate will never see either one of your complaints so you wasted your post.

The only Apple employees that are here - beyond the community specialists that post links to articles to unanswered threads - are the hosts. And their only interaction with general forum members is to police and enforce the rules of the forum.

They will not respond to you here. Like the others have said, work on contracting corporate and talk to them.

While folks here can certainly sympathize with what happened, there's nothing anyone here can do beyond commiserate.

We all know as adults that when your going to sign up for a plan (anything) they're going to pull your credit. If they were going to give you this plan without pulling your credit they might just as well do a mass mailing for this no credit check plan. I buy my iPhones... they pull my credit even for the AT&T plan. If they didn't give you the answer you wanted... you should have taken your CC and left.