I'm going to break down your post here as it seems to be a few questions in one.
Let's start with the RAM. From what I understand you have 4x4GB of RAM. The kit you listed, F3-14900CL9D-8GBSR, is listed in the QVL for the motherboard which is a good sign. The motherboard appears to support up to 32GB of RAM using the 4 slots it has (4x8GB) so this shouldn't be a problem. What we're left with is improper installation, a possible dead stick or two, and an unstated OS.
We'll start with the OS here. If the OS you installed to the SSD is 64-bit then you should get all 16GB of RAM. If you installed a 32-bit OS then you would be limited to 3-4GB depending on certain options enabled in the OS (Typically 3.5GB). This can also be effected by other things such as onboard graphics being provisioned a portion of the memory for it's own use.
Next up is improper installation. This one's simple. Just make sure they're installed correctly. When in doubt just take them out and re-seat them. Make sure the notch in the RAM slot lines up with the notch in the RAM sticks. If they fit well the tabs on the RAM slot should snap in to place. The motherboard's manual has a basic outline of how to do this. The online version of the manual shows this as page "2-6" or Chapter 2, Page 6 which is page 64 on the PDF.
Last up is having dead hardware. I left this one for last as it is quite a bit more labor intensive and time consuming. If you followed the above and are running a 64-bit OS, the RAM's been properly seated, and are still showing less than 16GB total RAM (12, 8, or even 4GB) then we need to do some digging. First, I'd suggest using Windows' built-in memory diagnostic. It takes a while to check your memory but it's very simple to run and will report if there's an issue. If that passes then it's down to testing individual sticks. From what I understand looking at the motherboard's manual (1-7 or page 23) the system will only work using a single stick if it's installed in slot DIMM_A2 (2nd slot away from CPU). You'll be booting from each stick and checking in BIOS to see if it's detected properly. If you have a dead stick you will know right away with this method as the system will refuse to boot with a bad stick. If you get through all 4 individual sticks then you're on to testing them in pairs. If you go through all variations of the pairs then the final test is all 4 sticks at once. If you put all 4 sticks in and finally have a problem then try shifting the sticks around. This is where it gets time consuming, though. See, you're actually hoping that this test will show you which stick is bad but sometimes you'll have one that doesn't play nicely with the others. Although, this USUALLY shows up with the memory diagnostic. If you make it this far and still have trouble then you're looking at more comprehensive tools to test the RAM. Memtest86+ is my go-to for this. If ANY errors show with Memtest86+ then you indeed have a problem. Typically it will tell you which stick it is as well. Either that or it says what size where the error shows (example: 5,324mbyte or 5.2GB which should be DIMM_B2).
Now for the rest of the post. Can an SSD cause the RAM capacity to shrink? No. Although, when you formatted it did you install a 32-bit OS to the SSD? If that is the case then certainly the 32-bit OS is the reason for your 'missing' RAM.
High disk usage and long response time on an SSD. This can be a multitude of things and I've already written a book just to test the RAM.
Did you do a secure erase if possible?
Was the format NTFS (assuming Windows) or was the format performed by Windows OS installer?
Is the BIOS set to AHCI mode for the SATA bus?
Does the OS see that it's an SSD? This sort of coincides with AHCI mode.
Does the OS have TRIM enabled?
Lastly, the high disk usage could be a result of a lot of swap file usage compounded by the RAM issue. Unfortunately, if the RAM capacity is low then the OS will use your storage drives as virtual memory and this will result in high disk usage and writes.