I don't know who needs to read this but I consider myself pretty tech savvy.. anyways they used my bank's phone number to call me after texting me that a fraudulent charge was made. The man that called acted like a representative for the bank and for sure had a very well written script. Things sounded fishy over the phone then they asked for my account info which I didn't provide. If you ever get a call about a bank charge, hang up and call the bank back using the number on your card or on their website (if it isnt hijacked). This kind of thing rarely happens to me so I thought it would be worth a share.
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This has happened to me a few times. My caller id even says it's my bank.... kinda freaky. Fortunately, I've read enough of these scams like you've posted to be on the alert for any of it. Your advice to hang up and call the number on the back of your card is solid.