I found a car on USAA's website from a USAA certified dealer that I was interested in buying. I called the dealer and we agreeded upon a purchase price provided the car had no problems or issues once I got down to the dealer to check it out myself. The dealer was a 4 hour drive from me & I couldnt get down there till two days later so I put a $500 deposit for them to hold it till I could arrive two days later. I put the deposit on my USAA credi card over the phone. Two days later, when I get down there, I discover the navigation system doesnt work. They were trying to tell me it was just a bad navigation disc but I countered that it could be or it could be the unit itself-there was no way for me to be sure. Thus, to me, everything on the car didnt work as was promised so I delined to purchase the car. I was told the $500 would be refunded to my card. There was a huge snowstorm coming & wanting to beat it before it arrived I left without some sort of refund receipt. Three weeks later I still have no refund. I have contacted the person I was dealing with both via email and phone several times & was assured that the refund will be processed but still no luck. Any advice? Am I screwed?