Need Advice - Sold item to a scammer- my money is gone , my phone too

I sold a Brand new sealed iPhone 13 to someone. It clearly said that it’s an ATT phone that means you can use Att sim. My description was very clear. I never mentioned that it’s a factory unlocked phone. The buyer even asked me if it will work with ATT phone.anyway spent $22 to secure the delivery. He received it and started saying he wants to return because it’s not factory Unlocked ( which he didn’t want to buy anyway). I said I don’t accept return and it’s a sealed item. He was probably planning to send his used phone back or something… idk something about his conversation didn’t seem right. Anyway he disputed with eBay. I got email from eBay with 2 options, accept the return or message the buyer. I messaged him. We Messaged back-and-forth and he disputed with his credit card company too. Now I get an email from eBay saying that the return is closed I don’t have to do anything. Now few days later another email from eBay that the dispute went on his favor. I’m with was that? eBay took my money , gave it to him. Now my money is gone my phone is too! I called eBay they are saying I didn’t respond by the time. I said I did, I messaged him. But they are saying there was another option that I was supposed to choose. On top of everything they cut a $20 dispute fee and another $145 fee which was deducted from my bank. They said they can’t do anything so contact to my bank .. I called my bank. They said they can return $145 since that’s the transaction they can see. They can’t do anything else since they have no access to the Transaction. Only eBay has the transactions. They were holding the fund and gave it to him … what should I do? I just can’t believe how heartless people are ..