CitiMortgage Unfair Fee O'Fallon, Missouri

I have been making payment on my adjustable rate CitiMortgage
 loan number XXXXXX for the last 22
years. I never missed a payment. The loan payment was agreed to be drafted from
my checking account on 10^th every month. This arrangement of making
monthly payment by drafting my checking account on 10^th was entered
into with the previous loan servicer, 1^st Nationwide Mortgage
(FNMC), & continued after FNMC merged with CitiMortgage in 2003.

A recent audit of my payments discovered that for the last 2
years CitiMortgage has been charging me undisclosed $10 drafting fee every
month. I did not agree to any fee for this EZ payment by drafting my account on
10^th. In response to my inquiry, I learnt from CitiMortgage customer service
that a mass mailing was sent out to all CitiMortgage clients that effective
August 2007 such service fee will be applied to all accounts that the payment
was drafted after 9^th.  I did
not get any such notification & I was not aware of any such change
otherwise I would have agreed to debit my account a day earlier on 9^th
instead of 10^th.  Any notification to the change in terms of monthly
payment should have required my acknowledgment.

The CitiMortgage customer service refused to refund the
unfairly charged fee. A letter written to the CitiMortgage has not been
acknowledged. A certified letter to the CitiMortgage President has been
returned to the sender.