Apple confirmed my iPhone had a speaker fault and offered an Express Replacement. I was clearly told I wouldn’t be charged unless I failed to return the old device. But as soon as I accepted the replacement, Apple tried to charge me $2,299 upfront — even though I’ve already paid for the phone and have AppleCare.Here’s what makes this worse:I just buried both of my parents, spent over $25,000 on funeral costs, and I’m financially drained. I don’t have $2,299 sitting in my account for Apple to “hold.” Because of that, I’m now blocked from getting a phone I’m entitled to under warranty.And what’s Apple’s answer?Go into a store so they can try to fix it instead of replacing it — that’s the trick. If you can’t afford their hold, they push you into a store, backpedal on the replacement, and make you wait even longer. It’s a scam disguised as “policy.”When I spoke to Apple’s resolution team, they were rude, dismissive, and completely unempathetic. They didn’t listen, didn’t help, and made things worse.This is not customer support. This is financial coercion, and it targets people when they’re most vulnerable. I will be reporting this to Consumer Affairs, the media, and posting this on every platform possible.Shame on Apple for treating loyal customers this way.