
grading by photo is can be a crap shoot. just a slight angle or lighting can alter what you are seeing. this makes its particularly challenging when purchasing a raw online where some sellers are aware of this and once purchased they count on the buyer to not returning because its such a pain. we don't know what you saw or if the seller was attempting to hide what you saw. we can only assess by the photos you post here and these are insufficient to determine a grade or determine of there is any wear on the coin.
the sharpness of your photos are good. don't use any flash or overhead light as they create glare on the surfaces. give us new photos as suggested of the full coin, both sides
on the photos presented there are no signs of circulation. due to the position of the rub on the portrait I would say that would affect eye appeal a little as well as a little value as its in a key area of the coin.
if you can't post new photos and the rest of the coin looks good i'd say MS63 would be in the ballpark
to answer your question, any wear regardless of location would lower a coin from the MS boxes to AU. to me it also looks like rub