Help!! Bought phone can't use because of bill issues

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AC Question

I bought phone from individual it's T-Mobile Samsung galaxy note 4 paid $400 I even made sure it wasn't blacklisted, but then when I went to set up with my straight talk I came to find out I can't because they didn't pay their bill. ?!? I had no ideA! What do I do!!!
 
I can't believe Tmo won't let you activate the phone because of the previous owner. What the heck does his unpaid bills have to do with you? Tmo is crazy... they'll lose income based on their stu*id policies! The phone isn't even blacklisted! Unbelievable!
 

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