I used my credit cards for a service that was supposed to be offered in a correct manner, however it wasnt. I used $1600 through paypal and cash advance. I reported it fraud on my credit cards and they have reimbursed it. It was a service not a product or good, and it also came up in their system for fraud detection. What are the laws and penalites for San Jose California? and will the credit card companies report it to local San Jose Police?