So the FIAT didn't go into escrow. It went straight to the seller who then releases the BCH from escrow. If the seller does not release it then you can initiate a dispute.
In the case of a dispute, does the arbitrator simply release the BCH to the buyer if the seller does not?
The seller presses a button to release the BCH from escrow. Not all sellers ask for cell phone verification. Mine didn't and I will never choose one that does.