Capital One Consumer Loan Complaint

Capital One Consumer loan department,

Installment loan Problems when you are unable to pay Florida

My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In -, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of $710.00 for a - Pathfinder, and on a fixed income, this is just not doable. Why was I eligible for a loan modification in -, but not in -?