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.