I have the white as well and I don't see it either.
girls love tech too
I believe you are correct. My black Note 4 has no issues and I don't use a case. In looking at the black finish on the metal frame, to me it looks more like anodizing or powder coating than "paint".
I believe you are mistaken. As can be seen in these two images there is in fact a metal chassis in the Note 4 and it is the edges of this chassis that is the metal around the sides of the phone of which the center portion of the metal side is color coated in some manner. What I believe you are describing in the S pen opening is a plastic insert mounted to the metal chassis.Actually, the black or white area of the frame is a mat finished plastic. That's why nobody will ever reported any color chipping off, even though it could scratch. The only metal in the frame are the two thin pieces of aluminum that are laminated onto the colored plastic frame edges. Being polished and softer than plastic, any scratches appearing on these thin aluminum strips will be easy to see.
If you doubt what I am saying about the frame, just remove the S pen from its socket. You can then easily see the construction of the so called metal frame. Most of it is plastic, which isn't really a bad thing. It is less easily damaged and won't interfere with any adjacent antennas, like a solid metal frame might.
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I believe you are mistaken. As can be seen in these two images there is in fact a metal chassis in the Note 4 and it is the edges of this chassis that is the metal around the sides of the phone of which the center portion of the metal side is color coated in some manner. What I believe you are describing in the S pen opening is a plastic insert mounted to the metal chassis.
https://tse1.mm.bing.net/th?&id=HN.608016023394190662&w=300&h=300&c=0&pid=1.9&rs=0&p=0
https://tse3.mm.bing.net/th?id=HN.608047552756320700&w=168&h=168&c=7&rs=1&pid=1.7