Described as 14K but not Hallmarked 14K

I purchased a baguette diamond ring on eBay which was described as 14K gold. I do not find a hall mark inside the band. It is a very pretty ring, full of sparkle, but I am bothered by the missing hall mark. I have been in contact with the seller and she says she purchased it from Montgomery Ward's years ago as an upgrade (turn in an old ring, they allow the purchase price on a better ring).

She has yet to explain to me why there is no hall mark. Should I return the ring?

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