Untruthful and wrong business practice by RCS

Expected good customer service, did an online loan application, which was quick and easy to apply for. I've just received my first statement and RCS wants to debit me more than double the loan amount because of the intiation fee. I contacted their loan department and they advised me that when you do an online application it does not give you option on how you want to pay the initiation fee meaning it will automatically state yes after your loan has been approved and she advised me that,unless if I had done the application with their consultants they would have explained toe me my options. RCS is not truthful to their customers, I feel this is bad business conduct and Im very disappointed. Have sent an email to their complaints dept about this,I hope they will correct this!