In my Note 20 (Verizon) Network settings I see LTE/3G/2G (auto connect). I don't see 5G listed. Do I have 5G? I've seen others suggestions asking if the phone is locked or unlocked. I don't know which one this phone is.
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That was it. I called Verizon and they said my account was not set up for 5G. They have now transfered me to a 5G service. Thank you very much for letting me know that period