Well, I just bought the phone today. If they try to charge me, I will say ok, then I guess I will return the phone and get a new one so I can get a new username mapped to a new PIN =P
I'll post here if Verizon tries to charge and if pressed, whether or not they do. I know it's my fault, but it's fairly obvious from the username I selected that it was a mistake. They don't even need to change it, just delete it and I'll re-create it with a more appropriate name.