Short but simple:
Again from the fraud department of $LargeUSBank, a lady calls in because her card is not working, customer service doesn’t like to read so they transfer it to me.
Her card is open so I tell her that, I notice the most recent transactions on her card were getting declined because the CVV (or that code on the back of your card) was not entered correctly.
Her: $Store tells me I don’t need to give them that and they won’t take it, they only want my zip code.
Me: Ma’am they need that for the transaction to be processed.
I was just at a loss for words that they told her they wouldn’t take it and then told her the bank was declining it due to fraud (which there is quite literally no way for them to know that).