Fingerhut Web Bank Payment Program Options that affects Customer's Credit report Ridgewood, Minnesota Nationwide

In June 2017, I received a diagnoses of Breast Cancer where the medical costs created a financial hardship. I was making my payment but they were after my due date. I would call to provide reason for the late payment without any issues. In August 2017, Hurricane Harvey came into Houston which caused a lot of damage to my property. Since my insurance did not cover everything, I was left with a large amount so I could live in my home. I called again and the rep presented 2 options for me which is $114.00 for 3 months and $71.00 for 9 months and I selected the 71.00 per month with the first payment on October 2 2017. On October 10, 2017, I received a credit alert stating Finger Hut reported the account closed on 10/02/17 with 60 days past due. I was transferred 4 times with the last agent name Reign (Billing) and was told even though I make a 71.00 payment per month the account will still be reported as delinquent. So it does not make sense to get the program if they're going to report the account past due then state the account is current at the end of the 9 months program. I asked for a supervisor then placed on hold for 10 minutes where someone pick up the phone and held it for another 15 mins without saying anything. I've called all the other creditors where they immediately allowed me to make the next payment November 2017. Finger Hut provided options, set them up then reported to the credit bureau it was delinquent. I told Reign it makes sense to set up the program if Finger Hut was going to damage the customer credit with arrangement. The arrangement wasn't explained in a manner that would allow me to make an informed decision. If my past due amount would still affect my credit report , I would have done better to leave it as it was and make the same payment myself.