I manage a "Contact Center" for a mid size credit union based in the US. I have not read this entire thread, so sorry if this has already been addressed.
I see a lot of people in here talking about CCs for large national or multinational companies. If you want a US based phone rep, do business with smaller companies. They typically need to differentiate themselves from larger companies that can sometimes offer better rates etc. through the service they provide. Additionally, their customer base is more "keep it local" friendly.
That crazy high cash back rate on your Credit Card or interest rate on your account are all funded by (among other things) the cost savings of contracting out "non-revenue driving" departments like the Contact Center to another country where the cost of labor is cheap.
My general advice is to keep a CU account for all your standard day to day stuff (and loans/services/etc) and keep a national bank account for things like travel when you might need access to a branch while you're out of state/etc.