With the outsourced Phillipine workers Chase Bank can claim that at least a human picked up the telephone. After that it routinely descends downhill with the call. Communicating with someone who isn't a native speaker or hasn't been aptly trained in the American dialect often presents a challenge to resolving an issue. Usually too much of a client's time is wasted attempting to transmit the message. Chase's operating expenses perhaps are lower, all to the detriment of its clientele.