Sounds like you were probably talking to a bot that just threw answers out there based on key words that you used in your questions. lol
I just chatted with an Apple rep on the Apple Store site about this issue, and here is how the conversation went:
You are chatting with Carla G, an Apple Expert...
Hi, my name is Carla G. Welcome to Apple!
Good evening.
Me: Hello, I have a question regarding the purchase of an iPhone from an Apple Retail Store
Apple: How may I assist you today?
Me: I went to AT&T's website, I am listed under my phone as a "Primary User" and I am also a Retail Authorized User, but I do not pay the bill, I am not the primary account holder for my phone. My father is the primary account holder, the account is under his name. I am 28 years old, and I plan on paying for the phone with my own credit card.
Me: my question is, will my father need to be present at the store in order for me to buy an iPhone from a retail store?
Apple: Usually the primary would need to be present.
Me: well I am listed as the "Primary User" for my phone and I am also a "Retail Authorized User" The account is under my father's name, he pays the phone bills for the family.
Apple: As long as you bring in the proper ID then you will be able to purchase the iPhone.
Me: Wait, I am not understanding this correctly. I am buying with my own credit card and I have my driver's license under my name and I have my father's social security number.
Apple: Is the account under his social security number?
Me: Yes.
Apple: I would recommend contacting the Apple retail store to verify the information that is needed when picking up the iPhone.
Me: I was hoping you could answer my question for me, I have been on several user forums trying to get help and so far I haven't gotten one definitive answer. I am listed as "Primary User" for my phone number. The Account Owner is my father.
Apple: The Apple retail store will have the information needed to pick up your iPhone.
Me: Well I don't want to go there at 5am in the morning on Thursday and wait in line and not be able to get an iPhone because of this. That's why I am trying to get some clarification.
Apple: To be sure, the Apple retail store will need to be contacted directly.
Me: OK, thank you for your time
Apple: The Apple retail store can be contacted by phone.
Apple: You're welcome