I am having a permanent hard ship due to now only working part time and have not been able to afford the payments due to paying for food, utilities and mortgage, also I have a XXXX year old daughter and have to pay XXXX a month in day care. Due to numerous calls every day to the point of harassment causing me extreme stress, my daughters uncle offered to help me by loaning me the money to try to settle the debt. On XXXX XXXX 2015 I called and gave permission for them to discuss the matter with him they were not willing to consider the settlement we offered they only wanted full payment even with my permanent hardship. On XXXX XXXX 2015 we tried calling to work it out again and were told they settle accounts similar to mine but I do not qualify, when asked for the reason that others qualify and I do not even with a permanent hardship they refused to answer that question and would only say I do not. When asked to speak to someone that can explain the difference the capital one employee refused to transfer me and then said no one in capital one can approve a settlement not even the ceo.