What would you do if you received a card with a 1/3 inch scratch?

[mellofello]

Hi all. I am seeking advice about an ungraded card that I purchased. I understand that perceptions are different between the seller and buyer and that there is always a risk of buying ungraded cards. I normally would accept the flaw if the condition discrepancy was minimal, however this case warrants that I seek some advice. I am sure I will run into this situation more often as I continue to purchase ungraded cards, so I might as well learn how to correctly deal with this now.

Let me start with all the good details of this transaction:
1. Seller quickly accepted my best offer.
2. Card was packed well with sleeve, top loaded, sandwiched between two card boards, blue painters tape, and a bubble envelope.
3. Fast shipping - I received the card in 3 days.
4. Front of the card, edges, corners match the description of the listing.

*What was not mentioned was a 1/3 inch scratch on the back of the card starting from the word "himself" on the 2nd to last line, crossing the past the word "elite" on the last line, and down towards the top right corner of NFL logo. The scratch does not reach the NFL logo though.

Description and original picture of the back of the card:
"Card went from pack to sleeve. Sharp Corners. Card is Mint or better. "



Here are two pictures of the back of the card that I received. You can really see the detail of the scratch if you click and expand my pictures.




So what would you do?
1. Accept the flaw and resell the card. I probably will not recoup my original investment since I will list the scratch.
2. Reach out to the seller and ask for a refund. The listing states that seller does not accept refund. Additionally, what if the seller claims that there was no scratch when it was shipped?
3. File an eBay claim after contacting seller first.
4. Are there any other options?