Has anyone having the Verizon Note 4 tried it with AT&T or T-mobile SIM?

[weix36]

I know it is said that all Verizon LTE phones come factory unlocked, but when I chose 'Without a service plan', it shows that 'Phone is locked to the Verizon Wireless network and not factory unlocked.'

I wonder if anyone having received the Verizon Note 4 can confirm that it is unlocked.