Fees or interest: Credit card

Subject : Response to Companys Reply Request for Further CFPB Review I am requesting that the CFPB continue reviewing my complaint because Citibanks response did not address the primary issue I raised. Instead of investigating my concerns, Citibank sent a generic template explaining how interest charges and deferred-interest promotions work. This response does not address whether the promotional financing terms were properly disclosed to me when the account was opened or why my request for relief was denied. My concern is not that I do not understand how deferred interest works. My concern is that I was not clearly informed that if the promotional balance was not paid in full by the expiration date, all previously accrued interest would be charged retroactively. Had this been clearly explained, I would have made different payment decisions. I specifically requested that Citibank review my account for a courtesy adjustment or otherwise explain why the deferred-interest charge could not be removed. Instead, they instructed me to submit a routine interest adjustment request and provided general information about fees and interest. They did not investigate my complaint or respond to the issues I raised. I respectfully request that the CFPB require Citibank to provide a substantive response to the following questions : * What evidence does Citibank have that I was clearly informed of the deferred-interest terms at the time the promotional financing was opened? * Why was my request for a review of the promotional interest charge not evaluated on its merits? * Is Citibank willing to provide a courtesy adjustment or other resolution based on the circumstances surrounding this account? I am asking that this complaint remain open until Citibank provides a meaningful response that addresses these issues rather than a generic explanation of how promotional interest works. Thank you for your continued assistance.