Bank Statement Descriptor
DDL LUMIDAYFraudulent Bank Statement Charge — Unauthorized billing, hidden subscription, auto-ship
$74.98 (most frequently mentioned monthly charge)
1
Unauthorized billing, hidden subscription, auto-ship
Today
What is this charge?
Charges users for unwanted subscriptions or auto-shipments, often after a trial offer, with significant difficulty in cancellation and refunds.
How much does DDL LUMIDAY charge?
The typical charge amount for "DDL LUMIDAY" is $74.98 (most frequently mentioned monthly charge). Victims have reported similar amounts. Check your full statement history for multiple or recurring charges.
Is DDL LUMIDAY a scam?
Yes, "DDL LUMIDAY" is almost certainly fraudulent. With a threat level of 90/100, this charge has been confirmed as a scam by multiple consumer reports.
What to do if you see DDL LUMIDAY on your statement
- Freeze your card immediately — Contact your bank to block further unauthorized charges.
- Contact your bank — Call the number on the back of your card to initiate a dispute within 60 days.
- File an FTC report — Report at reportfraud.ftc.gov to create an official record.
Do NOT pay this charge
If you see DDL LUMIDAY on your statement and did not authorize it, contact your bank immediately to dispute it. Do not attempt to contact the merchant directly.
How to Dispute This Charge
- 1
Gather evidence
Take a screenshot of the charge on your statement showing "DDL LUMIDAY", the date, and amount. Save it as a PDF if possible.
- 2
Contact your bank immediately
Call the number on the back of your card or use your bank's app to initiate a dispute. Do this within 60 days of the charge date.
- 3
Use dispute reason: "Unauthorized recurring charge"
Tell your bank you never authorized a subscription. This is covered under Regulation E (debit cards) or the Fair Credit Billing Act (credit cards).
- 4
Cancel at the source
Search your email inbox for any confirmation from this merchant and cancel any linked account. Screenshot the cancellation confirmation.
- 5
Follow up in writing
Send a certified letter to your bank within 10 days of the phone call to create a legal paper trail. Keep the tracking number.
Frequently Asked Questions
- What is "DDL LUMIDAY" on my bank statement?
- Charges users for unwanted subscriptions or auto-shipments, often after a trial offer, with significant difficulty in cancellation and refunds.
- Is "DDL LUMIDAY" a scam?
- Yes. "DDL LUMIDAY" is classified as a Unauthorized billing, hidden subscription, auto-ship with a threat level of 90/100 in the TitanAlert database. It has been reported by 1 consumer and is considered critical severity.
- How much does "DDL LUMIDAY" typically charge?
- The typical charge amount for "DDL LUMIDAY" is $74.98 (most frequently mentioned monthly charge). However, amounts may vary. Always check your full statement history for multiple charges.
- How do I stop "DDL LUMIDAY" from charging me again?
- To stop future charges: (1) Contact your bank and request a new card number immediately, (2) Dispute all charges as unauthorized, (3) Search your email for any confirmation from this merchant and cancel any accounts, (4) File a complaint with the FTC at reportfraud.ftc.gov.
How many people have reported DDL LUMIDAY?
1 consumer has reported this charge in the TitanAlert database. This community data helps others identify fraudulent charges quickly.
Were you charged by DDL LUMIDAY?
Your report helps protect other consumers. Share your experience — amount, date, and resolution.
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