Im going to guess they could hit you with fraud and abuse, as well as violation of terms of service, the 10 pages of legalese those cards come with in 4 point font have someone somewhere that disallows this. Itd be a civil suit,not criminal.
First it was arrested, now you've moved to civil suit. Make up your mind!
So you've basically got nothing. What is the fraud or abuse? What TOS is violated? Be specific now...