Add at least these Actions After Submit
Copy this script into the Custom PHP Script action
if ($ajax_handler->is_success) { // optional, only if no errors in previous verification/actions
$user = get_user_by('billing_phone', $fields['billing_phone']); // change field Custom ID with your own
if ($user && $user->ID != get_current_user_id()) {
wp_send_json_error([
'message' => 'This phone is already associated to another user!', // customize error text
'data' => $ajax_handler->data,
]);
}
}