Capital One Credit Card Complaint

Capital One Credit card department,

Payoff process Kansas

I need to set my account up on a long term hardship plan and they are telling me that the offer is not available. I am trying to responsibly take care of my debt and have worked with several other credit card companies who allowed us to close the accounts and put them on a 4-5 year re-payment with a reduced payment and an apr of either 0 % or the prime rate. Capitol one was unwilling to help since I am not behind. Why is there a need for me to further damage my credit to get some assistance? I need some assistance to see if they are lying to me and avoiding offering the hardship program because this is the only company that has been unwilling to work with me. I spoke to a man named - operator number -. I felt like he was not providing all of the information that I needed and I asked if he could transfer us to another supervisor so we could confirm that this is all that could be done and he said he could n't transfer the phone that we had to call back. When we called back we spoke to a supervisor named - operator number is - she said she understood our concerns, but she kept referencing the notes that - put in the computer on the account. My wife and I are trying to avoid bankruptcy and are underemployed we need to close our accounts and pay off our debt. Is there any way we can have assistance obtaining a long term hardship repayment plan.