An “LR Presets” charge on your credit card is a billing descriptor from LR Presets (lrpresets.us), a Cary, North Carolina online shop that sells one-click editing presets for Adobe Lightroom. The amount is almost always between $7 and $9. If you bought a preset pack, that’s where it came from. If you didn’t, treat it as a disputed transaction and take it to your bank or card issuer rather than to the merchant.
What LR Presets Is
LR Presets is operated by an entity called Calipso LLC. It markets presets and brushes for Adobe Lightroom versions 4, 5, 6, and Classic CC, aimed at social media users, bloggers, and photographers. Individual packs run $7 to $9 and carry names like “Insta Trendy,” “Dog Blogger,” and “Influencers.”1LR Presets. LR Presets Homepage
If none of that sounds familiar, and no one with access to your card bought a preset pack, the charge is worth disputing.
Why the Charge May Be Unfamiliar
The Better Business Bureau has received four billing complaints against LR Presets over the past three years, all classified under “Billing Issues.” The company holds a B- rating and is not BBB-accredited; its BBB file was opened in September 2024.2Better Business Bureau. LR Presets Business Profile
The complaints follow a consistent pattern. Consumers report seeing charges of $8 or $9 for transactions they say they never made. One complainant reported being billed $8 every month for three consecutive months. Another learned of the charge only after their credit card company flagged it. In each case, the consumer said they had no prior relationship with LR Presets and had never saved payment information on the site. Of the four complaints, three are marked “Answered” and one is classified as “Unresolved.”3Better Business Bureau. LR Presets Complaints
In its replies, LR Presets asks the consumer to supply their full name, the date and amount of the transaction, and the last four digits of the card charged, saying its ordering system can only locate transactions that way. The company states it communicates “only by email.” Complainants have largely declined to send more card data to a business they say charged them without permission, and several reported that the company’s phone line was busy or disconnected their calls.3Better Business Bureau. LR Presets Complaints
One detail matters if you are seeing the charge monthly: the company’s published terms and conditions page contains no mention of subscriptions, recurring billing, automatic renewals, or cancellation procedures.4LR Presets. Terms and Conditions
How to Dispute an LR Presets Charge on a Credit Card
Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50. To preserve your rights, send a written dispute to your card issuer’s billing-inquiries address within 60 days of the date the first statement containing the charge was mailed to you. Include your name, account number, the charge amount, and why the charge is wrong, along with any supporting documents.
The issuer must acknowledge your dispute within 30 days and resolve it within 90 days. While the dispute is open, you don’t have to pay the contested amount, and the issuer can’t report you as delinquent or send it to collections.5Federal Trade Commission. Using Credit Cards and Disputing Charges
How to Dispute It on a Debit Card
Debit card transactions fall under Regulation E of the Electronic Fund Transfer Act. If you report an unauthorized charge within 60 days of receiving the statement that shows it, you generally face no liability for the disputed transfer. Your bank must investigate promptly and cannot require you to contact the merchant or file a police report before opening its own investigation. Once the bank determines the charge was unauthorized, it must correct the error within one business day of that determination.6Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs
Missing the 60-day window can expose you to liability for any further unauthorized charges, so act quickly.7FDIC. What Should I Do if I Have Unauthorized Charges on My Debit Card It’s also worth asking your bank to issue a new card number so the charge can’t recur.
Where to Escalate If Your Bank Won’t Help
If your bank mishandles the dispute, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by calling (855) 411-2372.8Federal Trade Commission. Disputing Credit Card Charges
You can also report the business to your state attorney general’s consumer protection division. Because LR Presets is based in North Carolina, the North Carolina Department of Justice is a natural destination; its consumer hotline is 1-877-566-7226, and complaints can be filed online at ncdoj.gov.9North Carolina Department of Justice. Protecting Consumers The National Association of Attorneys General maintains a directory of every state’s consumer complaint portal at naag.org.10National Association of Attorneys General. Consumer File a Complaint
Your Legal Footing on a Recurring Charge You Never Agreed To
If the charge is appearing month after month, the Restore Online Shoppers’ Confidence Act is the relevant federal law. ROSCA requires any online seller using a negative-option feature, where silence is treated as acceptance of a charge, to clearly disclose all material billing terms before collecting payment information, obtain the consumer’s express informed consent, and provide a simple way to cancel.11Cornell Law Institute. 15 U.S. Code Section 8403 The absence of any subscription or recurring-billing language in LR Presets’ published terms is relevant to whether consumers who report monthly charges ever consented to recurring billing in the first place.
At the state level, North Carolina’s Unfair and Deceptive Trade Practices Act prohibits unfair or deceptive acts in commerce. A consumer who prevails in a private lawsuit under the statute can recover treble damages (three times the amount proven) plus attorney fees if the business willfully engaged in the conduct.12North Carolina General Assembly. Chapter 75 General Statutes For a single $8 charge, the dispute route through your bank is faster and cheaper. The statute matters more if the amount has grown or you’re joining others with the same complaint.