There are several benefits for a global company to outsource customer service, especially to India. First of all, it's true one benefit is to save a buck, but 50 cents of that gets passed down to the client possibly causing lower interest rates and lower fees. Second, the wages required to pay a representative to work an over-night shift is exponentially higher compared to an Indian representative working that same shift during the same time, which is actually their daytime hours, allowing cost effective 24-hour customer service. Finally, there is ****ALWAYS**** an American representative waiting to speak with you, all you have to do is ask, do not hesitate, ever. *****HEY MortgageGuy, I really hope you don't seriously believe that Citibank is owned by Saudi Arabia. The idea alone of a successful American business that does business primarily in America can be owned by a foreign *country* is... ludicrous.