I had a similar problem when I bought mine a year ago. It's the first time I bought a nice phone with all of today's features. I'm not familiar with all the terminology and lingo, bells, and whistles. And my funds are somewhat limited, so the latest model isn't happening. The Galaxy S21 looks uglier anyway. So I decide to get a Galaxy S20. It has a pretty light blue color. Isn't too bulky. And a sleek glass back. And expandable storage. The seller said it was unlocked. And tells me it will work with Verizon. When I receive it, I was disappointed it had a T Mobile startup screen and some other T Mobile app that I couldn't get rid of. I move my SIM card over to the new phone. And it works like it should for 2 months. Then Samsung forces some update. And all of a sudden, my phone becomes almost useless. I can't make calls anymore or most other functions that require service. I take it to the Verizon store 25 miles away. I'm on a family plan. And I'm not in control of the account. So, the help there is somewhat limited since I don't know the PIN number. The associate puts in a new SIM card. Resets everything. Changes other settings. Nothing does any good. The associate says the T Mobile programming locked on it is likely the problem. And that is why the SIM card isn't read.
Soon thereafter, I call Verizon technical support twice. After a long time on the phone with them giving information and changing some settings, I get disconnected. The phone still won't work right. I ran out of patience and bought a new phone. And made damn sure it didn't have any network programming locked on it.
This time, it's a different headache I have to deal with right out of the package. Now it won't charge right. Every cable keeps slipping out. So I take it to a repair store 25 miles away. Whatever they did, it still won't charge right. At this point I'm thinking I'm going to have to return it to the seller. But I take it to another repair shop since they got good reviews. And I really don't to wait 2 weeks for another phone. Thankfully, the awesome employee here finds some tiny wrapper stuck in the port. I would have happily paid a fee, but it didn't cost anything. And the cables no longer slip out. Since then, it runs like it should, mostly without any problems other than the network dropping every now and then. So after 2 major headaches, I learned the hard way carrier unlocked is not the same thing as factory unlocked.
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