If your credit card was used fraudulently and you refuse to have the person prosecuted can the credit card company be held responsible at all?

How can the credit card issuer be held responsible for the criminal actions of someone else? Or for your failure to "have the person prosecuted"? If this is indeed the situation, then the credit card company is the victim of a crime. Victims are never responsible for what happen to them. If you know who committed the crime, you may be enabling the criminal to (not only) commit the crime, but also avoid taking responsibility for it. This is never a good thing.

None of us can avoid the consequences of our actions. Should you continue to shield this person from the consequences of their actions, know that the scales of justice HAVE to balance out sooner or later. People who "get away" with criminal activies usually end up paying a lot more than if they had confessed and taken whatever consequences came after the intital crime. You cannot change the immutable laws of the universal. No one can...

• geez, I sound preachy. I apologize for that. But it's true and hopefully, at least hearing it will help you. Sounds like you have a lot to face in the future.*