*HELP!* Locked out of phone after factory reset

So I wanted to do a factory resrt on my phone. I am going through set up and I get to the point where it asks for login. So I sign in with my gmail account. I get an error that says “please sign in using the owners account for this device” I google for advice and apparently if I recently changed my password (which I did yesterday) I am going to have to wait a 72 hour period before I can access my phone? I guess it’s in place for security measures against a thief? But how would I have known this? Now I have to wait up to 3 days before I can use my phone? I don’t have a backup phone. WTF!?!?!