Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Thursday, XX/XX/XXXX, I sent a dispute transaction to Chase Customer Claims XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for the amount of Amount XXXX. I indicated at that time I was a potential victim of credit card fraud and possibly identity theft. I explained that I had used an online grocery and delivery service on XX/XX/XXXX. I lost connection trying to place a second order and when I got back to it my account had been put on hold. This was after one successful order completion at XXXX. I emailed XXXX, this was the only contact to them at that time. I was told I would need to go through a third party verification site. When I emailed them ( security ) I was told that I would need to send a picture of my ID along with a picture of my credit card. I thought this was unusual and during this time it was being reported to be very careful about this very thing on the internet. I sent them a picture of my DL and told them I was not comfortable sending a picture of credit card and was certain that any and all credit information could be accessed with my name and address and/or from their employer. I was told in subsequent email that unless I did so the hold would remain. I emailed XX/XX/XXXX back and told them what had transpired, I was told that the " company '' I had been in touch with was the last say in their security and if I didn't capitulate my account would remain closed. I had no idea who this third party was. A quick search revealed nothing that I could find about a security company with this name. Being locked out of my account at XXXX effectively locked me away from verifying my payment, the groceries delivered, and was what I was being billed for. I attempted to call Chase immediately and was met with an endless menu of " due to Corona .... ''. None of which allowed me to leave a message or phone number. I attempted to call for the next two weeks and finally gave up and waited for a statement. I would answer that with the problem. In the mean time I found a dispute form on the net, filled it out in detail and waited. When I received statement, I promptly shoved in their dispute form along with my letter, mailed it and waited. What I got back was another statement. Nothing addressing my fears, no indication that the dispute form had been received. In the meantime I am sitting on a big pile of groceries waiting for a receipt I had asked Chase to acquire for me as the delivery person left nothing of the sort and I had no way to validate the money I had spent or if I had given my personal information to a scammer. 
To date I have had no correspondence from Chase regarding my issue other than a short note telling me that since they " ..had not heard from me they would now consider the case closed. ". This was in answer to the dispute form being sent and a second letter restating my problem and a copy of the dispute form. 
I sent two more letters during the period between then and now for a total of four. My last was to tell them that since they had done absolutely nothing to help me, not even a note to say sorry can't help and why, just nothing. That I did not feel that they had held up our agreement when I reported a dispute. 
Never was the dispute even mentioned. They continued to bill me and tacked on late fees. I replied they could take those off until such time as they saw fit to address my worries and dispute. 
The Fourth and last letter I sent I copied to the headquarters JPMorgan Chase Bank XXXX XXXX XXXX XXXX, Ohio XXXX, registered receipt signature, once again explaining that the account was still in dispute along with a copy of the first letter, fourth letter and dispute copy. I still have seen no evidence that my dispute form had ever been addressed and that as far as I was concerned our relationship was at an end. That they had not done what I considered their job, I was certainly not going to pay them for being rude, dismissive and bullying when I was having a problem. The most recent contact I have had with them is a charge-off threat and threat to further impact my negative credit. 
I have not seen fit to address that one. I wrote it and it sits here. 
I am way over trying to get them to do what I considered part of their responsibility to me. All I ever asked for was an inquiry into the security agency that took my DL and a receipt for the groceries, which will do me little good at this late date, as much of that has been assimilated. I do not feel it is right or even legal for them to impact my credit seeing what nothing they have done. 
Is there anything to work with here?

Company response to consumer: Closed with explanation