[DragonicRek]

Just be aware that as @toonblue  has stated, you could be charged with a felony. You must be aware of all consequences before you proceed.
Sure you can send in the report and hope that the Police won't actually come. Just be smart with what you're doing.
With that said, good luck.

Is it possible to just actually do a refund if things aren't going well? Such as, if they start asking for police report could you just refund it and try again since you learnt from your mistakes?

You can try that but say something like
"My wife/husband/spouse took it without telling me. I am sorry for causing this inconvenience."