Capital One, under fire from consumer groups and competitors for its $9bn bid to acquire ING Direct USA, is hoping to sweeten the deal and stem the controversy with a big promise: job creation.  As Wall Street moves to shed jobs by the thousands, Capital One trumpeted its plans to hire more than 3,600 new employees in 2011.  By 2013, the bank promised 500 new jobs in Delaware, where ING Direct USA is based. Capital One might transfer some ING jobs to other offices across the country, according to a person with knowledge of with the matter, though the employees would have the option to relocate. The bank drew up the new narrative after it was besieged at a Fed hearing last week, where a parade of critics warned that its takeover of the online bank would create another "too big to fail" financial giant. On Tuesday, the same opponents disputed Capital One’s hiring pledge, dismissing it as a ploy to placate regulators.  They also noted that Delaware would subsidize Capital One’s hiring there. In June, Capital One announced plans to acquire the ING Group’s online banking unit in the United States for $6.2 billion in cash.  Under the terms of the deal, Capital One would also issue $2.8 billion worth of new shares to ING, giving the bank a 9.9% stake. The deal would make Capital One the 5th-biggest bank in the United States, up from its current No. 8 ranking.  The institutions together would have more than $200 billion in deposits, raising questions about the potential ensuing risks to the economy. Capital One has argued that it doesn't pose a risk because it is structurally different than Wall Street competitors.  Unlike Goldman Sachs or JPMorgan Chase, Capital One is focused on lending and deposits rather than complex financial engineering.  [Dealbook, 9/27/11]