“Could not” and “Will not” are two different things, there’s nothing stopping them from giving an honest quote over the phone or email besides a lack of desire to do so.
The acquisition fee is at the bottom of their newpaper ad, covering all cars. $950 on top of tax and tags.
Doc fee is capped at 75 right? So they have to move that money around somewhere I suppose. Marking up the bank fee seems to be the easiest way to do that.