I even browsed all of the website forums concerning customers complaining about the customer service. And they say that they want a customer service representative to be an American. I don't want to say this but, if the company puts the CSR in America.. then the charge through the phone would be doubled or tripled because it is way cheaper to hire employees outside US. Don't blame us.. blame your government.

let me clear up some issues here:

1. Filipinos DO NOT GIVE A **** ABOUT YOUR CREDIT CARD FUNDS. trust me. yes, we deeply involve ourselves in customer service, and yes we understand that giving your credit card info may not be the safest thing to do. but your cards are useless to us because of the fact that the primary means of trade here is cash. we are a third world country. only a handful of Filipinos know what a credit card is, and only a few households has a computer that will allow any individual to make an online card purchase.

2. we do not know what made your rate change, other that what they train us to tell you.

3. we don't want to sell something. but we have to.

4. the supervisor REALLY CAN'T HELP YOU. because oftentimes, us front liners know more than what they know. they just sound so authoritative and smart, it would lead you to think that they know a lot. and oftentimes they no longer have access to the database because they forgot their login passwords.

5. we do not mean to misinform you. it is just that the individuals who run the company tells us too many things, we do not know what really is the truth.

6. we really do not mean to be rude. for real. and Filipinos (especially those who were lucky enough to get proper education, like me) can speak English fluently. we are trained to think in English, then speak (a non-call center employee would think in the vernacular, then translate in English). but the thing is, THERE ARE THINGS THAT THEY DON'T TELL US. OR THEY MAY INFORM US ABOUT THINGS BUT VERY VAGUELY. so when we try to communicate, we end up sounding so horribly dumb, or foreign. why? because we couldn't really come up with a very good explanation. we just do what we are told. In addition to that, you need to also realize that working conditions here are different. we are confined in our cubicles for hours, our breaks are limited, we cant go to the bathroom, it takes forever to ask for a leave, and we come to work even when we are horribly sick. worst is, the air conditioning makes us even more sick, we cant bring food on our desk, we wait and take calls for four hours before our next coffee break, and oftentimes we miss out on family gatherings and holidays because we have to talk to you people. i know you are frustrated. i really do. but please, be fair to us monkey people from the orient (self-defecating huh?). we become emotionally stressed not just with the hurtful words we get. but the environment we work in, the hazards involved (see: http://www.gmanews.tv/story/34712/Solon-urges-p…) and the measly pay.

being Filipinos, when we say we understand, WE REALLY DO. and we don't mean to take the jobs away. we thank you for calling everyday, and we appreciate it that you have helped us put food on the table. but if you want to speak with your fellow countrymen, tell us. we will not be offended, and we will connect you right away.

As we say: thank you for calling, have a great day.

Indians often speak very good english and communicate well. English is the official language of India.

I was sure this call did not go to India since I had to hang up on whoever took my call and call back in the hopes of finding someone else to talk to since they speak very slow and broken English. Turns out it went to Philippines. I just wish, tht if Capital One has to outsource cust service, they pick India and not any other country where English is not even their primary language!!

Also my account had been suspended after several other failed fraudulent attempts had been made. I called customer service and talked to a lady who was really hard to understand. She had my card cancelled and said I should recieve another card with a new number in 7-10 days

I live in Dublin. In this summer, I have to attend a research conference in Turin, Italy. The Italian embassy outsourced their visa appointment process to Abtran. As an non-Eu person, I need to have a visa. So I called the Arbtran several times to make an appointment. What I experienced is that they always keep you waiting (1,75 Euro/minute), and they are never helpful. I am not sure if it is because of the embassy or just the Arbtran company itself. I called and emailed the embassy and you never get replied.