“Who will bring a charge against God’s elect?”
Here is where we have to back up just a step and remember who Paul is talking about and who he is talking to. When he says that God will, with Christ, freely give us all things, the 'us' consists of all those who are referred to in verse 28 and in verse 29 and in verse 30 and in verse 31. They are God’s elect and no one else--all and only.
Those still both in and of this passing world cannot lay claim to any of the promises or provision of God. That is why He gives all things 'with Him.' Apart from Jesus Christ there is no access whatsoever to God the Father, to Heaven, to His Spirit, to eternal life, to any thing James referred to when he said 'every good thing bestowed and every perfect gift.'