I purchased an S8 on eBay and verified the IMEI after receiving the phone, Verizon says the phone is being financed. I'm returning the phone back to the seller.

I plan to buy a Factory Unlocked S8 tomorrow and checked the IMEI number against all 4 major US carriers and do not get much info, since the phone is XAA version it must have been purchased directly from Samsung. Is there a way to check if the phone is being financed through Samsung? I want to be sure it will not stop working 30 to 60 days after I buy it as that has happened to be before.