Good Faith Deposit

Here's the story: I locked in a refi mortgage rate over the phone and a good faith deposit of $350 was taken from my account (same bank). When I received the mortgage documents, the closing cost was $10K higher than disclosed over the phone. I can understand an estimate but 90% off is not an estimate. In the closing cost was $6330 for transfer tax. I told the loan processor that a transfer tax is not applicable on a refi transaction in PA but she insist that it's a requirement. Since I didn't want to release $6330 to the mortgage company knowing I will have a hard time getting it back, I withdrew my application. I never signed anything and an appraisal was not done. The whole process never took off but the bank refuse to refund my $350. I felt misled. Who should I report them to?