S & F Parcel Fencing

I was quoted by S&F to install a privacy fence for $7,500 on a 18 month same as cash promotion and providing my $2,500 down payment. S&F submitted my information to *** which is the finance company they use I did not have any direct contact with ***. With my $2,500 down payment only $5,000 was to be financed but I was told by S&F that *** only approved me for $4,000 and asked if I had a co-signer. I gave them my wife's information then they came back and said that provided to change to the loan can I put up $720(cash) and the rest would be on credit. I asked for documentation regarding my loan and they stated I would receive their documents after the job is done and that the loan officer should have already sent stuff out I informed him that I have not received anything. The job was completed on July 18,2019 and I received my first statement letter on August 5,2019 but it did not reflect the additional $720 cash that I put down. I contacted S&F immediately to inform them I was financed for $5,000 and not $4,280 and that I should be reimbursed the $720 if it did not go toward the loan. On August 8,2019 3 days later after the first initial contact I finally get a hold of S&F regarding the $720 and they stated "Man you know that was the finance fee for the high credit risk. Down payments do not go the the finance company". I asked him why the $720 would go to him and not *** and he stated "Because they bill us monthly". I contacted *** in regards to this and they stated they do not charge additional fees due to high credit. I submitted a formal complaint through *** and they opened an investigation. *** finally reported back to me and said they contacted S&F and S&F told them they do not charge additional fees. *** also informed me there was nothing they could do since the $720 was not given to them. I finally was able to review my loan agreement and found that I was not given the 18 month same as cash promotion that was discussed. Instead I was put into a 96 payment option with a 26.99% interest rate which is making my loan total come out to be $12,393.08. I contacted *** to get more clarification regarding my loan and they stated that I was approved for $5,000 but denied on the 18 month same as cash promotion. *** stated I should have been notified and regards to the new loan off that was sent out which I was not instead S&F accepted this offer on my behalf. S&F stated that there is no early termination fees for any loan and that I could still pay it off in 18 months and that they do not know who told me I was subjected to 90 months.. I informed them again that I have a 26.99% interest rate due to the new loan agreement that they accepted form me and my loan is going to be over $12,000 and they stated "That has nothing to do with us". I stated it has everything to do with them because they did not notify me that *** denied the 18 month same as cash promotion and instead accepted the new offer on my behalf.
I am not the only person this has happened to to either I know of one more individual who is going through the same thing right now. S&F gave them the same story about needing a co-signer and instead the person put up an additional $800 and once they received their loan documentation they find out that they were denied the 18 month same as cash and put into the 96 monthly payment option.