We offer our merchants the ability to verify CVV by running a $0.00 authorization transaction through our own MID called CMS-CVV-Verification.
This is not fraudulent. Our phone number shows up on their bank account because we validate the card through our MID before running the transaction. Customers can get confused because they say they haven't done business with us before. They must have done business with one of our merchants. That is how we got their credit card information to run the authorization.