Turns out, if you buy a cell phone in the US and get it at BestBuy, AT&T doesn’t have to unlock it for you after it’s paid in full. I have a pile of phones (iPhones, Android, Windows Phone 8) that I purchased from BestBuy and paid off contracts in full. They(AT&T) refuse to unlock them because their systems don’t show them originating from AT&T, but instead Brightstar Inc.
I always bought devices from BestBuy because it was more convenient. Not anymore.