A charge from LRCOURSES.COM on your credit card is a purchase from an online store that sells downloadable Adobe Lightroom photography courses. Individual courses run between about $5.99 and $9.99, so a charge in that range almost certainly matches a single course bought from the site.1LRCourses. Shop If you didn’t make the purchase, you can dispute it with your card issuer; if you did, the site’s refund policy carves out digital downloads.
What LRCourses.com Sells
LRCourses.com sells digital courses focused on Adobe Lightroom, the photo-editing software, with titles aimed at both beginners and more experienced users.2LRCourses. About Us Purchases appear to be one-time transactions rather than subscriptions, with each course bought individually.1LRCourses. Shop
Before assuming fraud, check whether someone else with access to your card, such as a family member or authorized user, might have bought a course. The amount is small and easy to forget. At least one consumer has reported LRCOURSES.COM charges appearing alongside other unfamiliar transactions on the same card, a pattern that often points to a stolen card number rather than the merchant itself.3JustAnswer. Charged Visa Card You can also email the merchant at info@lrcourses.com to ask about a specific transaction.4LRCourses. Refund and Returns Policy
Disputing an Unauthorized Charge
Call your card issuer using the number on the back of the card as soon as you spot a charge you didn’t authorize. Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50, and many issuers apply zero-liability policies on top of that. To lock in your full legal protections, follow up in writing to the address your issuer lists for billing inquiries, within 60 days of the statement date, including your name, account number, and a description of the charge.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Once the issuer receives your written dispute, it has 30 days to acknowledge it and 90 days to resolve it. You don’t have to pay the disputed amount while it’s being investigated, and the issuer can’t report that amount as delinquent.5Federal Trade Commission. Using Credit Cards and Disputing Charges
Debit cards are a different story, and timing matters much more. Report an unauthorized debit charge within two business days and your liability is capped at $50. Between two and 60 days, it can rise to $500. Past 60 days from the statement, you could be liable for the full amount of any further unauthorized charges.6FDIC. Consumer News Your bank generally has 10 business days to investigate, and if it needs longer, it must issue a temporary credit while the review continues.7Consumer Financial Protection Bureau. How Do I Get My Money Back After I Discover an Unauthorized Transaction
If You Bought the Course and Want a Refund
LRCourses lists a 30-day refund window from the date of purchase, but downloadable software products are explicitly non-returnable under the same policy, and that carve-out likely covers the digital courses. Sale-priced items are also excluded; only regular-priced purchases qualify. Approved refunds go back to the original payment method.4LRCourses. Refund and Returns Policy
If the merchant refuses a refund on that basis, you can still ask your card issuer to dispute the charge, but the case is stronger when the product wasn’t delivered or was misrepresented than when you simply changed your mind.
Reporting Fraud
If the LRCOURSES.COM charge looks like part of broader fraud on your account, report it to the FTC at ReportFraud.ftc.gov in addition to notifying your issuer.8Federal Trade Commission. What to Do if Youre Billed for Things You Never Got or You Get Unordered Products You can file a complaint with the Consumer Financial Protection Bureau if your issuer doesn’t follow the required dispute procedures.5Federal Trade Commission. Using Credit Cards and Disputing Charges Pulling your credit reports through AnnualCreditReport.com is a reasonable next step if your card number may be circulating, since unauthorized activity on one account can signal broader exposure.6FDIC. Consumer News