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

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?