Is it possible to unlock an iPhone locked to owner?

There is no way to bypass the Activation Lock. The phone is in control of the person who locked it and they can also view where it is at. How you proceed will depend on how you acquired the phone, which could range from returning it if just purchased to being scammed by a seller who can no longer be contacted and stuck with a device that will not be usable.

Return it for a refund because it’s not legally yours and the seller should be made aware.

Good luck! 👋🏼😉