Update March 2023: Verizon really does not want to help you if you do not buy the phone from them. They don't care if it is missing features, even if you are a 25-year customer, because you did not buy it from them. That is what I am dealing with now. In my initial review I indicated you have to visit a store to finish setup because that's what I was told through a Verizon chat. They did swap out the SIM card , but could not do anything else. I was told they do not do any software flashing, they are not even sure what that means, and there was nothing they could do at the retail store to help me. I had to call the call center again which I literally did from their parking lot because I told them it was the second time I had visited a store and they're representative had told me to go to the store! I spent 2 hours working with, or on hold with, the call center, and still did not get the correct functionality! They really don't care and don't want to help you unless you pay the astronomical amount of money to get a phone directly from them. My phone still drops calls, does not always call out, does not have voicemail, and does not have the spam filtering. So now I am stuck with either living with that, or paying to upgrade to another phone. The whole reason I bought this one off Amazon is because it still has the micro SD slot and that is what I want. I'm going to try to make it work, I'm very upset with Samsung that they are doing away with the SD slots and hope someday they will bring it back.The bottom line for me is the phone works okay. I have to dial in to get my voicemail now and had to have all of that reset, there is no voicemail icon. There is no way for me to know I have a voicemail I just have to call to see if I have any messages. So if you are okay with a phone that doesn't quite have perfect functionality, then this is a great one. It is decent for the money. If you want a phone that works just like one you would get from the store, bite the bullet and spend the money and go to Verizon. I have gone to two stores, I have done one chat, and been on the phone with them, multiple agents, for over 2 hours. Apparently this is as good as it's going to get for this phone.Feb 23 initial review: I read a few of the reviews, somehow I miss the part where if you get a phone off of a site like amazon, you do still have to take it into your provider for setup? My provider is Verizon. I happened to go in there yesterday and said I had a different phone (had both with me) they told me just to move the SIM card and the SD card over and they did not have to do anything. Today only half of the phone functions, and through a chat they told me I have to come in to have their software flashed onto the phone. I was already there and took the time to drive there and wait etc, only to find out that was not necessary. Now it is necessary because the phone doesn't function correctly. Hopefully once that is done it will be fine.Facial recognition does not work as well as I had thought it would. I will probably erase and try again but it consistently does not recognize my face. I did try to put a screen protector on and I adjusted the touch sensitivity but the phone still did not recognize a touch so I had to take that off. I'm a little nervous about having a screen without a protectorI am a Samsung Galaxy lover, I have the s4, the s5, and the s9. I stuck with the s20 because it has the SD card slot. So far so good, there are some things I don't like about the phone, but it's a good value for the money so far