Your first stop is to call her broker and file your complaint with her broker. If she is a Realtor and feel that she has broken one of the commandments of the Code of Ethics, you can file a complaint with whatever Board she is a member of, i.e., Long Island Board of Realtors.
If she is not a member of any board, you can file a complaint with the Department of State.
My personal feeling is that the consumer has more protection when working with a Realtor (the trademark name of the National Assn of Realtors).
Licensed Associate Broker
Accredited Buyer Representative
GREEN Designated Agent
William Raveis Legends Realty Group
In brief, start the ball rolling by contacting the broker of the agent's company; then proceed to contact the local board for the paperwork necessary to file a complaint with the state board.
This may have been able to be done in an alternate way that would have had a different outcome. The agent could have taken her owner clients aside and told them about the financial situation and waited until you had funds to do the paperwork .
You could have already had the money you needed from another source in hand so that you were ready to enter into an agreement and did not have to wait for funds to be delivered to you.
As a property owner I used to have a soft heart and would work with people on the security deposit. I took it up the b*** to many times to do that anymore. If someone does not have the money to move in I will hold a unit with a nonrefundable application fee to be credited to the security deposit. You would be surprised how many of the people that say they will have money in 2 weeks refusing to put their money down to hold the unit. When I call them in 2 weeks to see if they received their money something has always come up.