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I tried factory resetting the Galaxy S20+ to get rid of the second hole punch, but that did not work. I also rebooted into safemode on the S20 Plus, and that did not work either. The black dot is there to stay on the screen of the S20+.
Now here is the worst part. I called Samsung's support line, and after a half hour on the call, all they offered is for me to send it back. That means that I don't get the pre-order discounts for returning my old phone, nor do I get the accessory credits. I will also need to check my credit card to make sure they refund everything properly. Samsung support sucks for the Galaxy S20+
Don't buy the Samsung S20+ Galaxy phone directly from samsung.com
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S20+ Second camera hole on side.