Beware if you owe money to Capitol One, and they call you to set up a payment. While there's nothing wrong or illegal about this, be careful.
While your caller ID may read that the call is coming from the United States or Canada, when you answer the phone it will transfer you to their NEW collections department in India or the Phillipines. Always ask which country the person is calling from regardless of what your caller ID reads. When you say "helllo" two or three times, their phone systems is set up to transfer you to their collectiosn office in India. Not to mention a rude person, with a thick accent.
Usually the caller ID will read something like, "215" or "919", which both are in the United States, but wil transfer you to a person in India. While I'm all for paying off my bill and not doing business with them again, I don't think it's right that someone ten thousand miles away should be calling me about my Capitol One account in Maryland.
If you do business in America, then DO IT FROM AMERICA, not from a country ten thousand miles away.
If your really fed up with Capitol One, like I am, Then write directly to their Board of Directors, and tell them your not paying your bill until you speak with an OFFICE IN THE UNITED STATES, with a PERSON YOU CAN UNDERSTAND, who doesn't have a thick accent and speaks quickly.
Product or Service Mentioned: Capital One Account.