Moved out of rented house, left in good cond, lease says ref sec dep in 5 days if left in sat. con. LL refuses

Check state law - it's usually 30 days (ex. Cali.). State law requires a detailed accounting of the use of the deposit. I would wait until the full 30 days are up and then inform her in writing that you expect a full refund or you will sue her. Then do it.