T-mobile says only Apple can unlock my iphone 14
I purchased an iphone 14 on eBay. It is like new, but the ad said "For T-mobile use only." I am now using it with T-mobile. When I asked T-mobile if the phone is locked, they said: 1) it is locked, 2) it is locked due to an unpaid account (not a T-mobile account), and 3) that only Apple can unlock it. Suggestions on unlocking this device?
iPhone 14