I have created a simple form (with just one text field and process fields) and a workflow (with one User service)..
Added a variable of type xfaform. (Render Service=Default Render Service , Submit Service = Disabled)
Created a Workspace end point.
Form (Process card) available in Workspace.
Now, if i fill the form and click complete button (at bottom right corner), it is being moved to draft folder. I ve tried the same for sample apps (e.g Mortage Loan - Prebuilt) still the form is moved to draft.