3D FlipBook - No account with Gumroad - how did I get charged?

We do not have an account with Gumroad. I received an email that we were charged $99 for 5 licenses. We were not planning to renew, and the credit card information in our account is expired.

1. How did Gumroad get our payment information (which we did not authorize)
2. How did a payment get pushed thru with an invalid expiration date and zip code
3. How do we get credited back our $99?

Thanks, Mary Windsor Virtual Images Paris, MO

mary@virtualimages.us