mrs.mose If you wouldn't have been such a jackass when you called in about the charges the representative talking to you would have been able to help you understand that FEDERAL PRIVACY LAWS prevent them from giving out that information because they don't want people taking justice into their own hands. I work for Vesta and we GLADLY do everything we can legally do to help out people who have had their debit/credit card or in some cases IDENTITY stolen from them. If you file a police report, law enforcement can EASILY subpoena Vesta's records and get all the information and nail the person who stole money from you.
Vesta processes millions of orders every month, and with all the security they use to protect people's security a very small percentage of orders do end up being fraudulent. Unfortunately a small percentage of MILLIONS of orders ends up being a pretty BIG number. What's ironic is that the people posting here on this website who have had unauthorized transactions on their credit cards are just as angry as the customers who get held up for EXTRA security verification with Vesta where sometimes they call the bank to verify a customer's identity or have to send in a fax for identity verification.
Unfortunately when you google Vesta's address you get the first results as rip-off because so many people who see unauthorized charges on their statement automatically assume that the business is ripping off people. If you only knew how much money Vesta spent every DAY on having to deal with card security and disputed transactions you would understand that it HURTS Vesta more than anyone else. Not only does Vesta loose money because someone stole it from them. Vesta has to pay the bank back and spend money on facilities and employees to deal with these issues. THE LAST thing Vesta wants is a transaction to go through that isn't authorized by the card holder.
If someone gets a hold of your card # and billing address and security code on the back of the card (every order over $25 always requests the last 3 digits on the back of the card, as well as some orders for $15) and all the info matches, Vesta sends it to the bank for approval, if the bank approves it and all the info matches in many cases but not always Vesta will approve it. SOMEONE else is responsible for stealing YOUR card information and USING it with Vesta WITHOUT YOUR PERMISSION.
Vesta will do their best to assist with resolving disputed transactions.
My advice is the following, if you see any unauthorized transactions from VESTA or from any company for that matter, CALL your bank, cancel your card and DISPUTE the transaction. Most banks won't put up a fight if you ask to dispute a transaction, and you usually get refunded pretty fast. Then the bank sends a chargeback to Vesta or the company in question and the company ends up taking the hit and the card holder gets their money back. It's very hard in most cases for Vesta to get the money back from a fraudulent customer.
My last piece of advice is if you try to call VESTA, be PROFESSIONAL, don't start the call off screaming at the representative who's being paid to help you. Think of how you'd want to help out someone if they came running into your work or calling you on the phone at your work and immediately started acting like a jackass and being rude. Let them know in a professional way what happened and that you want to find out more information about the charge. THEY WILL give you EVERYTHING they are legally able to give out (first name), part of the billing address, and the AREA CODE and last 4 of the cell phone #. They do this to HELP you recognize the charges or to recognize who might have used your information. If that still doesn't ring any bells for you, chances are it was someone who you DON'T know who stole your card # from the internet or at a store somewhere. If you're only concern is to get your money back file a DISPUTE either with the bank or with Vesta directly and you'll get your money BACK. If you want to go after whoever stole your information, go to the police and file a report so they can SUBPOENA Vesta's records and find the persons cell phone #. 9 times out of 10 the fraudulent customer provides Vesta with the name on the card and correct address so that doesn't end up helping much anyway in most cases.
Lastly, keep your card information safe and away from other people who might get their hands on it and copy down the. More so than not, unauthorized charges happen from someone you know who has seen your card at one time or another and copied the card information down. Since all orders must have a billing address provided that MUST match the bank's files before it's processed, in MOST cases if a person knows all your card info and the billing address for that card, it's someone you know.
I hope this info helps if you stumble across this page because you're investigating a charge you see on your bank statement.