Default Unlocked Note 3??

I traded my galaxy mega for a note 3 from at&t. the guy said it was clean i check the imei and everything seemed good to go. I get home and the note 3 is unlocked so i just call up metropcs and this woman who was confused on what i wanted to do but finally figured it out and she asked me for the imei. She said that i cant activate it because the phone is still active on the account that i needed the guys phone number and 8 digit pin to deactive it. Does this mean it is financed? I think it isnt because if it was she wouldnt be offering me to deactivate it herself. The question is what can i do now ? for the moment im using a back up phone but i intend to use this full time lol . Thanks