Bob,
From what she said as reported above she seems to have written you a check refunding your money and mailed it "slow post" to you. If it shows up and if I were you I'd deposit it and forget the whole thing. Look for one of the other 5 B-grade 20's which are supposed to exist. You won't likely get satisfaction through the law. You may not even have a cause of action given the totality of the circumstances. JMHO...Geo