A “3dlessons” or “3DLESSONS.US” line on your credit card statement is a charge from 3dlessons.us, an online store that sells self-paced video courses on 3D animation, character modeling, and digital painting. The site is run by DIGITALKEY LLC out of Blytheville, Arkansas, and individual courses sell for roughly $5.99 to $20.00,13dlessons.us. 3D Animation Courses so a charge in that range almost always reflects a course purchase made through the site. If nobody with access to your card bought a course, treat it as an unauthorized transaction and take the steps below.
Is It a Subscription or a One-Time Charge?
Purchases on 3dlessons.us go through a standard shopping-cart checkout, not a recurring subscription.23dlessons.us. All Courses A legitimate “3DLESSONS” entry should show up once per course bought. Repeated charges you didn’t authorize are a stronger warning sign and worth flagging to your card issuer right away.
Contact the Merchant First
Reaching out to DIGITALKEY LLC is usually the quickest way to sort out an unfamiliar charge. Ask them to confirm whether a purchase was made on your account and to refund it if it wasn’t yours.33dlessons.us. Refund and Returns
- Email: contact@3dlessons.us
- Phone: 1-888-427-8760
- Mail: 103 W. Main St, Ste 427, Blytheville, AR 72315
If the company confirms no purchase, doesn’t reply, or refuses to refund, move on to a formal dispute through your bank.
Disputing the Charge on a Credit Card
Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and most issuers apply zero-liability policies that go further.4Federal Trade Commission. Using Credit Cards and Disputing Charges To keep those protections, send a written dispute to your card issuer’s billing-inquiry address within 60 days of the statement date on which the charge first appeared.5Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill Include your name, account number, the dollar amount and date of the charge, and why you believe it’s unauthorized. Certified mail with a return receipt gives you proof of delivery.6California Office of the Attorney General. Credit Cards: Dispute a Charge
The issuer must acknowledge your dispute within 30 days and resolve it within two billing cycles, up to a maximum of 90 days.4Federal Trade Commission. Using Credit Cards and Disputing Charges While the investigation is open, it cannot try to collect the disputed amount, charge interest on it, or report it as delinquent. You still owe the undisputed part of your bill. If the charge is found unauthorized, the issuer must remove it and refund any related fees or interest.
Disputing the Charge on a Debit Card
Debit cards fall under federal Regulation E, and timing drives how much money you can be on the hook for. If your card or PIN was lost or stolen, telling your bank within two business days caps your liability at $50. Wait longer, and your exposure can rise to $500.7Consumer Financial Protection Bureau. How Do I Get My Money Back After I Discover an Unauthorized Transaction For an unauthorized charge that shows up on your statement without any loss of the physical card, you have 60 days from the statement date to report it. Miss that window and you can be responsible for further unauthorized transactions after it closes.8FDIC. What Should I Do if I Have Unauthorized Charges on My Debit Card
Once you report it, your bank generally has 10 business days to investigate. If it needs longer, it must issue a temporary credit for the disputed amount while it keeps looking, and it has up to 45 days total to finish (90 days for foreign transactions, new accounts, or point-of-sale purchases).7Consumer Financial Protection Bureau. How Do I Get My Money Back After I Discover an Unauthorized Transaction The bank may ask you to confirm a phone dispute in writing within 10 business days, so follow up if it does.
Why a Small Charge Still Matters
Fraudsters often run small transactions against stolen card numbers to see whether an account is active before attempting anything larger. The Office of the Comptroller of the Currency has flagged these small-dollar test authorizations as a common tactic. A $5.99 or $8.99 charge from a site you’ve never used could be exactly that. Report it to your issuer, ask whether the card should be blocked and reissued, and consider placing a fraud alert with Equifax, Experian, or TransUnion, which makes it harder for someone to open new accounts in your name.9Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud
Where to Escalate
If the merchant won’t help and your bank hasn’t resolved things, federal and state agencies take consumer complaints.
- Consumer Financial Protection Bureau: file at consumerfinance.gov/complaint or call (855) 411-2372. The CFPB forwards complaints to the company and generally expects a response within 15 days.10Consumer Financial Protection Bureau. Submit a Complaint
- Federal Trade Commission: report fraud at ReportFraud.ftc.gov. The FTC doesn’t resolve individual cases but shares reports with more than 2,000 law enforcement partners.11Federal Trade Commission. Report Fraud
- Your state attorney general: find yours through the National Association of Attorneys General at naag.org.10Consumer Financial Protection Bureau. Submit a Complaint