text: legal eagles... a friend committed fraud with my credit card, am i in trouble? a friend agreed to pay my credit card bill in exchange for letting them make a purchase. they used a fradulent check account and charged more than $5k.  after speaking with the bank, i disputed the charges. it was turned over to fraud services and  the culprit  later agreed to pay the merchant directly so i didn't give their name to the bank.  i finally told fraud dept that i knew the culprit and that they would pay the merchant directly.turns out the merchant and the culprit are friends and he is fighting the chargeback. he says that he has not been paid but i later found out that the merchant issued a check to the culprit for difference in what was charged to my account and what was purchased (more than $3k). the culprit has a long criminal record and is facing charges in 3 states and is on the run now. the bank is calling the cops and says that i have to file a police report, but am i in troubie?  i have texts and audio where he admitted to doing this but i gave him the info. you are not in trouble as long as you have not benefited from it financially. you absolutely need to file a police report, because you will need it in case if your credit report will get damaged and you will have to dispute it with credit agencies/