I called Capital One and clearly reached India. The guy had no clue what he was doing and read the prompts on his computer *to* me. Also, when he was reading back my address, he said, "Las Vegas, West Virginia." I'm not fond of outsourcing because, well, it's outsourcing. But, if they're going to outsource, then I wish they would train the people better. Capital One used to have great customer service people years ago.