Not sure how you got instant payout as a new seller

All new sellers are suppose to have a 30 hold on funds, which sellers agree to when listing

And yes, you are indeed suppose to send items within your stated handling time and not wait for the holds to be up

And you are right, eBay is all about the buyer

If a buyer says so, that is what happened

Regardless of if the buyer is telling the truth or not

There is no 'way around' the holds on funds you agreed to when listing

The only way not to be seen as a 'new' seller, is to tell enough/often enough

Plus also 

And not fall below standard 

with 77.8% 

AND, you cannot 'state' no returns when the item is not as described

No returns is for change of mind only

Also, are you using your own photos?

And are you drop shipping?

Your listings have all the hallmarks of those things