Go make a stink about it at the customer service desk and they will probably say exactly that.

and if you did you could use curve pay instead. Basically the same thing with more features, the only catch is that they charge FX fees after surpassing a limit (but that can be mitigated by paying with the same currency of your linked card, thus never executing a change in the first place)

I feel like eBay put a lot of work into creating a competitive marketplace where honesty was rewarded, and it basically works well but they got an unsavory reputation anyways. Then Amazon tried to hide that complexity from the end user and buyers just get burned. Maybe Swappa is trying to go the Amazon route? I do not think there are real shortcuts here. Either the marketplace needs to vet sellers manually, or offer a competitive, transparent reputation system like eBay.

I generally trust private sellers a lot more than professional ones, if you vet them well enough (check their page, check their reviews, check their other listings), the chance that you'll get a good deal on a device in the condition described. The incentive to gain a profit is a whole lot lower, a commercial seller has to make sure they're the winner in some way during a transaction, they have bills, staff and assets. A private person is often happy to just get rid of the phone, as it would usually rot in the old phone drawer, until it eventually ends up in an e-waste bin a decade later when they clean out. Getting a little money back is already a win. Surprisingly, I've never had a bad experience. I presume there's also buyer protection, but I'm hoping I never have to use it.