My wife said someone in one of her Facebook groups claimed to be a Verizon store rep, and was saying those that exchanged their Note 7 at any time during the first recall could exchange those phones at no additional charge to the Note 8. This means bypassing the payoff requirement. Basically their justification from corporate was that these were supposed to only be a temporary phone until the replacement Note 7's came out, but then that never happened.
This reminded me of a chat I had via Facebook with a Verizon contact, and it's definitely a legit claim even if that story was made up. Here's the relevant part of my convo, where I asked specifically about the issue of not being able to get a Note 7 replacement as promised and going outside the 14 return window on the S7E.
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It's too late for me tonight, but I'll try messaging them tomorrow about it.