Capitol One Bank I had Consumer Protection Coverage, became disabled and was refused because claimed I was 30 days past due. Richmond Virginia

I received a letter from the notorious Farrell & Seldon addressing my tardiness in paying my credit card debt which was referred to them from Captitol One (I really don't know given the alleged customer service I received that this is the correct company). I called to see what kind of arrangements I could make given the facts that not only had my stepson committed suicide 4 months ago, but my husband followed only a few weeks later by death of pancreatic suicide.

Unfortunately the representative I had the unfortunate opportunity to talk to was a very antagonistic person named "Roberta," (when I alluded to speaking to an attorney, she wouldn't give me her last name). Not only that, but because I was crying, she said she heard that all the time, and she had her alleged "phone witnesses" to support her so I shouldn't try to "cry my way out of" a problem that I created, not her. I addressed her lack of empathy, and at that point she hung up on me. I later called back, apologized for my venting my grief over the loss of my husband on her, and yet she still said she would no longer take my 50 cents on the dollar offer to her superior. I would think that would be better than nothing, but apparently she was offended, and again, she said she had her "phone witnesses." So if being right rather than settling is more important to this Roberta person, I can only assume that she is acting on the directions of her "superiors," but if not, and she has total control, then she is one poor employee whom I would see as more protective of her power and control than collecting funds, which I would assume was in the best interest of her employer.

Anyway, I have a debt of approximately over $6,400 with Capitol One, and I offered a settlement of 50 cents on the dollar; unfortunately, Roberta said she would not present this offer as I apparently had offended her. All I can say then, is get in line...I have no income, no job, and in the last four months I buried my husband due to cancer, and my stepson due to suicide; therefore, if "Roberta" thinks she means anything to me, she is strongly mistaken. And as for her employer, I called with the intent of offering a 50% settlement, yet she rejected it. I would think that would be better than nothing given the facts of my personal current financial state, and I would be surprised if given your type of company that you would say "no," to what I am able to currently now. At this point, I know that my debt is in no way of financially "breaking" your business (even though it is most definately a breaking of my ability to live in a house with heat--and make no mistake, I have no health insurance, no telephone, no newspaper, and all of my clothes are bought at thrift stores...so go ahead, "Roberta," have a laugh at my misfortune, you *****); however, I would like to think that besides the thought processes of the "Robertas'," and whomever you use to fight your battles, that an offer of 50% of a $6,500-some debt would reflect well on your spreadsheets, and even maybe more than on the salary spreadsheets that this person "Roberta," is allegedly printed on...sigh.

It is a sad commentary that you have a rock-bottom employee such as "Roberta," (I assume for a company as low on the legal scale as yours, that is the best you can find?) making such major decisions.

You can not say that I didn't try to work something out; I would think that half of what you are pursuing is better than nothing; yet this person, "Roberta," seems to think she knows what's best for your company. So I will no longer "beg" you to take what little I can offer, and you as a business person can take comfort in the knowledge that if you decline what I can come up with to pay you, then perhaps you can sleep well at night knowing you displaced a mother and her two children from the only home they have known for close to 20 years.

My heart breaks for the likes of you and your employees such as "Roberta,"
Sincerely,
Dallas