Good question! It gets a bit complicated from that point as you’d have to rely on misrepresentation probably and there could be a lot of arguments about whether it is actionable misrepresentation or something else, including a lack of information or an unclear advert. Ultimately it may end up in court.
For the above reason it’s always best to pay on a credit card if you can (even if it’s just the deposit element).
It’s also not that clear if someone is an individual or a business, some in SC could be classed as businesses for the purposes of consumer protection law, even if they pass themselves off as private sellers.