@samrggzy You have to keep in mind that when you joined this hobby you were committed to the challenge and pleasure of keeping a piece of the ocean at your home. At times it is difficult, but in the grand scheme of things this opportunity to experiment and be triumphant stands tall.
Let's get down this straight. Your tank is 3 months old, it is showing normal signs of what is a new tank. We have all gone through this difficult phase and its as a result of a nutrient imbalance. The primary resolution to this is going to be to be patient, and certainly avoid making drastic changes to your tank for they must be gradual. Dinoflagellates will go away upon running their course.
In the meantime here are some options you can take advantage of to combat dinoflagellates:
1. Stop water changes until the bloom has run its course.
2. Boost alkalinity by using buffers.
*Follow directions aggressively on packaging*
3. Mix Kalkwasser in your top off water. This will help raise the PH to an intolerant level for the dinoflagellates.
*Please read this article prior to doing so. Kalkwasser has a very high PH of 12.3 that can kill your inhabitants if not used properly*:
http://www.mrsaltwatertank.com/how-to-use-kalk-safely-and-effectively-in-your-tank/
4. Use activated carbon to remove organic compounds that promote dinoflagellates .
5. Use an algae turf scrubber.
6. Leaving the lights off for 3 days which may cause the dinoflagellate bloom to crash.
And lastly, definitely utilize this forum to search and read other posts about other people who struggled with your issue and future issues you may have. There is great advice on here that has helped me tremendously.
Good luck and happy reefing!
- Town Clown