BMO Harris Credit Card Complaint

BMO Harris Credit card department,

Virginia

I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In - -, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days. This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in - that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years. I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies.