They tried to tell you that, you just didn't want to hear the message for some reason "We're asking because we want to do you a favor/we understand things are

They tried to tell you that, you just didn't want to hear the message for some reason "We're asking because we want to do you a favor/we understand things are hard sometimes" There's more than "a program," creditors have different options/programs, etc. Special options exist for people who were effected by certain natural disasters. They probably would have offered to waive the late fee if you missed a payment because you were in the hospital or something. They were starting a dialog with you about your account status in order to work with you; no need to get all offended about it.