I made a small purchase XX/XX/XXXX under Best Buy 's " 18 months free interest '' terms on my CitiCard administered account, with the intention of paying the account down to {$0.00} prior to the end of the grace period, as I had done on XXXX previous occasions. 

In keeping with the spirit CitiBank has demonstrated with its customers, which has led to the multiple complaints against them with your agency, they did not honor the terms of the Best Buy free interest offer. When I was delayed in making a payment due to unemployment, they imposed criminally usurious penalties on my account. Please see the handwritten notes on the attached statements of my attempts to resolve the matter in a fair, and legal, way. XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; undated ; XXXX. XXXX, XXXX. ) These were all rejected. 

I refuse to pay the ridiculous penalties imposed by CitiCard, which now add up to over 500 % of the actual principle balance due. For this they, and/or the collections agencies to whom they have sold my loan, have placed monthly negative notes with the Credit agencies, severely damaging my credit rating. 
