APPLE WATCH WONT PAIR WITH IPHONE 6, SAYS NEED UPDATED SOFTWARE BUT I HAVE THE LATEST VERISON

If the Watch is new, and running Watch OS 6, it will not work with an iPhone 5S or 6. To use the watch you will need an iPhone 6S running iOS 13.

Apple Holiday Return Policy (Purchase between: 15-Nov-2019 thru 25-Dec-2019, Return by 8-Jan-2020)

All purchases made before November 15, 2019 and after December 25, 2019, are subject to the Standard 14-day Return Policy. 

https://www.apple.com/shop/help/returns_refund

A new apple watch 3 or 5 will NOT pair with an iphone 6 or lower,a new apple watch 3 and 5 have software version watchos6 on them,this requires an iphone with ios13 or higher on them.Iphones with ios13 are an iphone 6s, or higher.Iphone 6 can only update to ios12 maximum.

You have 14 days to return the watch for a full refund.