You are Now Calling a THIRD World Country!
Are you Safe?

When trying to talk to customer service for US Companies, isn’t it strange that we need to talk to a foreigner on the other side of the world, and then supply them with all our confidential information, so they can verify us. However, we can’t vet or verify these foreigners. We are not even told that we’ve just enter the TWILIGHT ZONE or to be Crystal Clear the Third World Zone!

Who are these foreigners?

Is it even Safe to give these foreigners your full ID info?

What am I Risking? ID Theft, Account access, Account closure.

Highly Trained Foreigners?

Sure thing, I graduated from the 7^th grade. You can Trust me.

Lost Jobs and Opportunities for US Citizens!

Unemployment rates are up, as jobs are shipped to foreign countries.

Where is ID theft really coming from?

Identity theft is driven by a combination of sophisticated cybercrime techniques, social engineering, and the exploitation of both individuals and organizations’ data. The main sources and methods fueling identity theft in 2025 include:

1. Phishing, Social Engineering & Call Centers

Phishingremains the most common method, accounting for about 40% of identity fraud cases. Criminals trick individuals into revealing personal information through fake emails, calls, or websites.
Impersonation scamsare surging, with criminals posing as businesses (51%) or financial institutions (21%) to deceive victims into sharing sensitive data.
Data Center employees customers handing over their private and confidential ID info to verify your ID. This is the easiest method of ID Theft or charging your accounts directly with your information as you hand over your account info to a foreigner in a 3^rd world country.
You also RISK Damage of your reputation and closure of your account if a data center employee wants to maliciously disrupt your account (and BTW they are not really working from a call center or data center since they work from home)

2. Data Breaches and Dark Web Sales

Stolen personal data—especially Social Security numbers and health records—are widely sold on the dark web, fueling over 60% of identity fraud cases.
Criminals use this data for account takeovers, new account fraud, and to build synthetic identities.

3. Credential Stuffing and Account Takeover

Attackers use credentials from previous data breaches to access other accounts, responsible for about 10% of identity fraud cases.
Account takeover fraud has increased by 30% annually, as scammers gain unauthorized access to existing accounts and conduct fraudulent transactions.

4. Synthetic Identity Fraud

This fast-growing crime involves combining real and fake information (like SSNs, names, and dates of birth) to create new, convincing identities. Synthetic identity fraud is now the fastest-growing form of financial crime in the U.S., projected to cause at least $23 billion in losses by 2030.
Fraudsters target vulnerable populations (children, elderly, homeless) for authentic data to build these synthetic profiles.

5. AI and Deepfake Technologies

Criminals increasingly use AI to create convincing fake documents, emails, and deepfakes for fraudulent transactions.
AI voice cloning and synthetic media scams are growing, making it harder for victims and organizations to detect fraud.

6. Financial Sector Targeting

There has been a sharp rise in identity theft targeting credit cards, loans, and bank accounts, with credit card fraud leading the surge in 2025.
These attacks often exploit weaknesses in online banking, digital wallets, and financial apps.

7. Other Methods

SIM swapping(to hijack phone numbers for account access) and application fraud (using stolen or fake data to open new accounts) are also on the rise.

In summary:
Identity theft is primarily coming from phishing, data breaches (with data sold on the dark web), credential stuffing, synthetic identity creation, and the use of advanced AI tools for impersonation and document forgery. Financial accounts and credit cards are the most targeted, and the methods are becoming more sophisticated and harder to detect each year.

Which US companies use customer services calls to foreign countries called outsourcing to the countries like the Philippines, Guatemala, Jamaica, Honduras, India, China and others?

Many major U.S. companies outsource customer service calls to foreign countries—including the Philippines, India, Guatemala, Jamaica, Honduras, and China—using business process outsourcing (BPO) providers. The practice is widespread across industries such as telecommunications, banking, e-commerce, healthcare, insurance, and technology.

Examples of U.S. Companies Outsourcing Customer Service

Slack, Wells Fargo, and Google are specifically cited as U.S. companies that outsource to the Philippines for customer support and other business processes.
Telecom providers, banks, fintech companies, healthcare, insurance brands, and eCommerce retailers are common clients of Philippine call centers, seeking cost savings, scalability, and 24/7 support.
SaaS companies and startups also use outsourcing to extend support hours and manage technical issues efficiently.
1840 and Company provides outsourced customer contact agents in India and the Philippines for U.S. and European markets, serving industries like healthcare, real estate, insurance, banking, IT, retail, eCommerce, and telecommunications.
MagicJack app Customer Support calls
Amazon Customer Support calls

Square/SquareUp Merchant services

Outsourcing Destinations

Philippines: The leading global destination for voice-based customer service outsourcing, with over 1.3 million BPO employees and significant investment in infrastructure and education tailored to Western business needs.
India: Another major hub, especially for technical support and customer service, due to its large, English-speaking workforce.
Guatemala, Jamaica, Honduras, and China: These countries are also part of the global BPO landscape, though the Philippines and India are the most prominent for U.S. companies.

Industries Using Outsourced Customer Service

Banking & Finance
Telecommunications
Healthcare & Insurance
Retail & eCommerce
Information Technology
Hospitality

The trend is driven by the need for cost savings, access to skilled labor, and the ability to provide round-the-clock support. Both large enterprises and smaller businesses in the U.S. are increasingly leveraging outsourcing partners in these countries to enhance customer experience and operational efficiency.

Which US companies are known for outsourcing customer calls to the Philippines and other countries?

Many prominent U.S. companies are known for outsourcing customer service calls to the Philippines and other countries. These companies span industries such as technology, finance, retail, and telecommunications, leveraging the Philippines’ skilled workforce, cost advantages, and English proficiency.

Major U.S. Companies Outsourcing Customer Service to the Philippines

American Express: Has a long history of outsourcing customer service and back-office operations to the Philippines, treating its Philippine operations as a strategic capability.
Amazon: Outsources customer care and back-office operations to the Philippines, with thousands of employees supporting their global operations.
Google: Uses Philippine-based teams for customer support and other business processes, ensuring round-the-clock service and efficient response times.
Microsoft: Began outsourcing call center services to the Philippines in 2022 to enhance customer support and CRM solutions.
LinkedIn: Relies on Philippine call centers for customer service and back-office functions.
JP Morgan Chase: Outsources back-office operations and customer support to the Philippines, employing thousands locally.
IBM: Has been outsourcing to the Philippines for decades, focusing on BPO and customer service.
Comcast: Outsources call center services to the Philippines to achieve significant cost savings.
Wells Fargo: Uses Philippine outsourcing for customer service and back-office operations.
UnitedHealth Group: Outsources customer service to the Philippines to manage its large healthcare client base.
HSBC Holdings: Has a long-standing presence in the Philippines for call center operations.
Target: Uses both the Philippines and India for retail customer service support.
Dell: Outsources customer service operations, including to the Philippines.
Procter & Gamble (P&G): Outsources finance, accounting, and customer support to the Philippines.
Facebook: Utilizes Philippine-based teams for customer service and content moderation.

These companies are representative of a broader trend, with many other U.S. firms in banking, insurance, retail, and tech sectors also utilizing the Philippines and other countries for customer service outsourcing to improve efficiency and customer satisfaction.

What industries in the US rely heavily on outsourcing to countries like India and Jamaica?

Several U.S. industries rely heavily on outsourcing to countries like India and Jamaica, leveraging these destinations for their skilled labor, cost efficiency, and service quality.

Key Industries Outsourcing to India

Information Technology (IT) & Software Development: India is the premier global destination for IT outsourcing, including software development, application support, and digital transformation services. The country’s vast talent pool and established IT infrastructure make it the top choice for U.S. tech companies.
Customer Support & Call Centers: U.S. companies across sectors (telecommunications, banking, e-commerce, healthcare, insurance) outsource customer service, technical support, and help desk operations to India for 24/7 coverage and cost savings.
Financial Services & Banking: Many financial institutions outsource back-office processing, data management, and compliance functions to India, benefiting from its expertise in regulatory requirements and secure operations.
Healthcare & Insurance: U.S. healthcare and insurance companies outsource claims processing, medical transcription, billing, and customer inquiries to India due to its compliance expertise and operational maturity.
Retail & E-commerce: Retailers outsource order processing, customer inquiries, and technical support to Indian BPOs to enhance efficiency and customer experience.

Key Industries Outsourcing to Jamaica

Customer Service & Call Centers: Jamaica is a growing hub for voice-based customer service, technical support, and help desk operations. U.S. companies in telecommunications, retail, travel, and financial services commonly outsource these functions to Jamaica, attracted by its English-speaking workforce and proximity to the U.S..
IT-enabled Services & Digital Services: The Jamaican BPO sector is expanding into IT-enabled services and digital support, providing opportunities for U.S. companies needing data entry, digital marketing, and back-office processing.
Data Management & Analytics: Some U.S. firms outsource data management, analysis, and reporting to Jamaica, leveraging its growing talent pool in these areas.

Summary Table

Industry	India	Jamaica
IT & Software Development	✔️ (major destination)	Emerging
Customer Service/Call Centers	✔️ (major destination)	✔️ (growing destination)
Financial Services	✔️ (back-office, compliance)	Some activities
Healthcare & Insurance	✔️ (claims, billing, support)	Limited
Retail & E-commerce	✔️ (order processing, support)	✔️ (customer service, support)
Data Management & Digital Services	✔️	✔️ (expanding sector)

In summary: U.S. industries most reliant on outsourcing to India include IT, customer service, finance, healthcare, and retail. Jamaica is primarily used for customer service, call centers, and increasingly for IT-enabled and digital services.

Are there specific examples of US companies expanding support teams in Guatemala or Honduras?

There are specific examples of U.S. companies expanding support teams in Guatemala and Honduras, primarily through partnerships with major business process outsourcing (BPO) providers that operate large-scale customer service and support operations in these countries.

Honduras

Several well-known BPO firms with U.S. clients have established significant operations in Honduras, including:

Startek
KM2 Solutions
Concentrix
Allied Global
PartnerHero

These companies provide customer service, technical support, and back-office operations for U.S. businesses across industries such as telecommunications, finance, retail, and technology. The appeal of Honduras includes low labor costs, a bilingual workforce, and alignment with U.S. time zones. The Honduran government has also invested in infrastructure and education to support the growth of the outsourcing industry.

Guatemala

Guatemala is another growing hub for U.S. companies seeking nearshore outsourcing. Notable BPO providers operating in Guatemala include:

Atento(the largest provider of customer relationship management in the country)
Allied Global
Alorica
Conduent
TELUS International
PartnerHero
Square/SquareUp

These firms serve major U.S. clients in sectors such as e-commerce, finance, healthcare, and technology. Guatemala offers a large, young, bilingual workforce (with 80% of agents fluent in English and Spanish), significant cost savings (up to 60% lower than U.S. labor), and a business-friendly environment with strong government support for the BPO sector.

Summary

While specific U.S. brands are not always publicly disclosed due to confidentiality agreements, the presence of major global BPO companies in Guatemala and Honduras—serving U.S. clients—demonstrates that many American businesses are actively expanding their support teams in these countries. The trend is driven by cost savings, bilingual talent, and operational alignment with U.S. business hours.

How prevalent is outsourcing customer service calls among top American tech and finance firms?

Outsourcing customer service calls is highly prevalent among top American tech and finance firms.

Technology companies: Approximately 58% of tech companies outsource at least some portion of their customer service operations. This figure reflects the widespread adoption of outsourcing as a strategy for cost savings, scalability, and access to specialized talent.
Financial services: The prevalence is even higher, with 72% of financial services firms outsourcing part of their customer service. This sector relies on outsourcing to manage high call volumes, provide 24/7 support, and leverage multilingual capabilities.

These high adoption rates are driven by industry-specific needs—such as regulatory requirements, the complexity of customer interactions, and the demand for consistent, high-quality service at scale. The trend is expected to continue growing, with the percentage of companies outsourcing customer service projected to rise further by 2025.

In summary, outsourcing customer service is a mainstream practice among leading U.S. tech and finance firms, with well over half of companies in each sector utilizing external providers for at least some customer support functions.

What is the general pay rate for out sourcing to foreign countries for customer service calls?

The general pay rate for outsourcing customer service calls to foreign countries varies by region and pricing model, but is significantly lower than U.S. in-house rates.

Typical Outsourcing Pay Rates by Region (2025)

Asia (India, Philippines, Pakistan):$7–$16 per hour per agent.
Latin America (including Guatemala, Honduras):$12–$19 per hour per agent, with an average of $14 per hour.
United States (for comparison):$28–$40 per hour per agent for outsourced services; in-house average salary is about $18.80 per hour.
Other Regions:Eastern Europe, Africa, and some parts of Latin America may offer rates similar to or slightly higher than Asia, but generally below U.S. rates.

Alternative Pricing Models

Pay-Per-Resolution:Instead of hourly rates, some providers charge per resolved customer issue, averaging $3–$9 per resolution, with industry leaders offering rates as low as $2.99 per resolution for multilingual, 24/7 support.

Key Factors Affecting Rates

Complexity of support required (technical support costs more)
Language skills and time zone needs
Industry regulations (some industries require U.S.-based support)
Volume and hours of operation

In summary: Outsourcing customer service to countries like India, the Philippines, Guatemala, and Honduras typically costs $7–$19 per hour per agent, or $3–$9 per resolution, depending on the country, provider, and service complexity.

Yello Mam, I’m your Call Center Guru!

I just graduated from the 7th Grade. I’m 13 years old and I can help you with all your CONFIDENTIAL Information. I just need to verify who you are Mam! You can Trust me I’ve been Trained very well.

What’s the average number of years a child attends school in the Philippines?

The average number of years a child attends school in the Philippines is approximately 12.8 to 12.9 years, based on recent World Bank and international education data. This figure represents the expected years of schooling for a child starting at age 4 and continuing through pre-primary, primary, and secondary education, typically until age 18.

However, when adjusting for the actual learning outcomes (learning-adjusted years of school), the effective average drops to about 7.5 to 8.4 years, reflecting gaps in educational quality and attainment.

For a broad international comparison, the mean years of schooling for the population is about 10 years, according to 2025 data.

Summary:

Expected years of schooling:8–12.9 years
Learning-adjusted years of schooling:5–8.4 years
Mean years of schooling (2025):10 years

What’s the average number of years a child attends school in the USA?

The average number of years a child attends school in the USA is approximately 13.7 to 13.75 years for adults aged 25 and older, according to recent international and World Bank data. This figure represents the mean years of schooling completed and reflects the high rate of high school completion and significant participation in higher education.

School life expectancy(the number of years a child entering school can expect to spend in the education system) is about 12 years for primary and secondary education, with additional years possible for pre-school and college.
The U.S. education system typically includes 12 years of formal primary and secondary schooling (grades 1–12), often preceded by 1–2 years of pre-school or kindergarten, and followed by higher education for many students.

Summary:

Mean years of schooling (age 25+):7–13.75 years
School life expectancy (primary and secondary):~12 years
Typical schooling path:Pre-school (1–2 years) + Grades 1–12 (12 years) + optional higher education

What’s the average number of years a child attends school in the India?

The average number of years a child attends school in India can be measured in two main ways: expected years of schooling (how long a child starting school today is likely to stay enrolled) and mean years of schooling (the average completed years among adults).

Key Figures (2025)

Expected years of schooling:
Children in India are expected to stay in school for about 13 years on average. This reflects the typical path from pre-primary through secondary education.
Mean years of schooling:
The average adult (age 25+) in India has completed about 6.9 to 7 years of schooling. This lower figure reflects historical disparities and improvements in educational access over time.

Summary:

A child in India today is expected to attend school for approximately 13 years.
The average adult Indian has completed about 7 years of schooling.

What’s the average number of years a child attends school in the Guatemala?

The average number of years a child attends school in Guatemala is approximately 9.7 to 10.8 years.

According to the World Bank, a child starting school at age 4 in Guatemala can expect to complete about7 years of schooling by age 18.
The expected years of schooling for children in Guatemala is8 years as of 2023.

However, when considering actual learning outcomes, the learning-adjusted years of schooling is lower, at about 6.3 years. The mean years of schooling for adults in Guatemala is about 6 years.

Summary:

Expected years of schooling (children):7–10.8 years
Learning-adjusted years:3 years
Mean years of schooling (adults):6 years

What’s the average number of years a child attends school in the Jamaica?

The average number of years a child attends school in Jamaica is approximately 9 years.

Mean years of schooling:As of 2025, the average (mean) years of schooling completed by adults in Jamaica is 9 years.
Primary education duration:Primary school lasts 6 years.
Secondary education duration:Secondary school typically adds another 5–7 years, but actual school life expectancy at the secondary level is about 4.2 years.
Compulsory education:Children are legally required to attend school for 6 years.

Summary:

The expected or average total years a child spends in school in Jamaica is about9 years.
This reflects both access and retention, with some students attending longer (up to 13 years for those completing upper secondary), but the national average is 9 years due to dropout rates and other factors.

What’s the average number of years a child attends school in the Honduras?

The average number of years a child attends school in Honduras is approximately 11 years.

Expected years of schooling:According to international education data and macro analyses, a child in Honduras can expect to spend about 11 years in school from entry to the end of secondary education, assuming regular progression without grade repetition or early dropout.
Primary education duration:Primary school lasts 6 years.
Education structure:The system includes 3 years of pre-basic (preschool), 6 years of basic (primary), and 3 years of middle (secondary) education, with compulsory education now set at 12 years.
School life expectancy (primary only):For primary education alone, the average is about 5 years, but this does not include secondary or pre-basic years.

Summary:

Average total years attended:~11 years
Primary education:6 years
Compulsory education:12 years (including secondary)
Actual average (due to dropout/repetition):About 11 years

This reflects both the official structure and real-world attendance patterns, accounting for access, retention, and dropout rates.

What’s the average number of years a child attends school in the China?

A child in China is expected to attend school for approximately 13.1 years on average, starting from age 4 and continuing through secondary education. This figure represents the expected years of schooling, reflecting high enrollment and retention rates through the end of high school.

Learning-adjusted years of schooling:When accounting for actual learning outcomes, the effective average drops to about 3 years.
Mean years of schooling (adults age 15+):The average completed years of schooling among adults is about 9 to 10 years.

Summary:

Expected years of schooling (children):1 years
Learning-adjusted years:3 years
Mean years of schooling (adults):9–10 years

How old is a child after 7.5 years of schooling in these foreign countries?

After 7.5 years of schooling in Jamaica and similar education systems, a child is typically about 13 to 14 years old.

Breakdown for Jamaica:

Children usually start primary school at age 6.
5 years of schooling would take them through all of primary school (6 years, ages 6–12) and about 1.5 years into secondary school.
This places the child in the second year of secondary education, making them approximately13 to 14 years old.

Generalization to Other Countries:

In most countries, children begin formal schooling between ages 5 and 6.
5 years of schooling generally means the child is in early secondary (middle school or junior high), typically aged13 to 14.

Summary:
A child with 7.5 years of schooling in Jamaica or similar education systems is usually around 13 to 14 years old

What school grade is a child at when he or she reaches 13 or 14 years old in the USA?

In the United States, a child who is 13 or 14 years old is typically in 8th grade. Most 13-year-olds are in 7th or 8th grade, but the standard grade for this age range is 8th grade, which is usually the final year of middle school before entering high school (9th grade) at age 14 or 15.

Summary Table:

Age	Typical Grade Level
13	7th or 8th Grade
14	8th or 9th Grade

13 years old: Usually 8th grade (sometimes 7th, depending on birthday and school cutoff dates).
14 years old: Usually 8th or 9th grade (beginning high school).

Most students transition to high school (9th grade) at age 14.

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