I had a very similar pattern happen a year or so ago on one of my bank debit cards. The difference in my case was that they made one fraudulent charge on the card beforehand to lend authenticity to the "we're the fraud team" claim. They knew the card number, and the details about the charge (presumably because they were the ones who made the charge). Then they tried to reset the password for my online banking login and asked me to read the security code I received via SMS to confirm my identity. Luckily the code sent to me was clearly labeled as a password reset code (though not with the "we won't ask for this code over the phone" line), so I froze the card and went down to my bank to talk about it. Apparently it had happened to a lot of my bank's members, and I was one of the few to not fall for it.
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