Can T-mobile unlock an iPhone 5 for free?

I bought an iPhone 5 off craigslist that is factory locked to AT&T. I was wondering if T-Mobile could factory unlock for free.

At&t would have to unlock it

T-Mobile won't be able to unlock it for you, and unless you have an account with AT&T they will charge you a bomb to unlock it.

You can use an unlock service like http://www.unlockroom.org though.

First of all, no one can factory unlock the phone. Factory unlocked means that it was never locked to a provider in the first place.

Second of all, since ti is locked to AT&T, AT&T must unlock it. If the phone was reported lost or stolen they will not do so. If the phone was not paid for in full or by fulfilling the contract it was tied to they will not do so.