USER.CFG Will NOT load!

I created the user.cfg file and put it in the correct folder: C:\Program Files (x86)\Origin Games\Battlefield 4 in order to load certain settings like limiting framerate to 60 FPS

Unfortunately, it will NOT LOAD!  Anyone else have this problem??  PLEASE HELP.

I tried just one command: perfoverlay.drawfps 1 but the FPS does not show on the screen upon opening the game. If I type the command in manually in the console, it does work, so I know the game recognizes the command. I also downloaded a "premade" .cfg file and it won't load either. I can tell because the FPS isn't displaying on the screen. 

YES... the file extensions are on and it is DEFINITELY named correctly... not .txt file.  I also repaired the game installation with no success.

The USER.CFG file will still not load!  It's absolutely nuts.  WHAT THE HECK?? HELP!  I certainly can not type in 25 commands every time I play a game... I have to get this to work.

SPECS: 

* Intel Core 2 Quad CPU Q6700 @ 2.66GHz overclocked to about 3.0GHz - CPU Parking disabled already... all cores running 
* 8 GB RAM (Komputerbay 4GB 2X 2GB DDR2 800MHz PC2-6300 PC2-6400 DDR2 800 (240 PIN) DIMM Desktop ) 
* Sapphire 7970 3GB Crossfire graphics card... brand new rated 2nd in performance on BF4 based on a review 
* Windows 7 Professional 64 Bit - brand new install for game all stripped down... no other software installed on machine and all non-essentials disabled in startup.cfg 
* Do have SETFSP.EXE and HMONITOR and CPUID CPU=Z installled and BF3 installed 
* Network connection is DSL and it's fair... my pings are 60's usually.... don't play games over 90. I do get occasional ping spikes up to 400 but then it comes back down right away. 
* I am going through a WRT600N Linksys router with all the proper ports forwarded and Qos ON set high priority for my MAC Address