BMO Harris Credit Card Complaint

BMO Harris Credit card department,

Delinquent account Virginia

I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for - $100.00. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee - I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly - accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual fee.