If you do not meet the qualifications to receive a Coronavirus-Related Distribution, the distribution is an ordinary early distribution and does not qualify for the options to include the distribution in equal parts over 3 years or to repay it over 3 years, despite the Fidelity rep's inaccurate statement to the contrary. To be able to repay it over 3 years you would have to report it on 2020 Form 8915-E as a CRD, which would be fraudulent if you know you did not qualify to receive a CRD.
Assuming that this does not qualify as a CRD, if this distribution was from a 401(k) provided by an employer with which you are still employed, the distribution is apparently actually a hardship distribution that is not eligible for rollover, so you are stuck with the tax consequences, including the early-distribution penalty. If the distribution was instead from a traditional IRA, you have 60 days from the date of the distribution to roll the distribution back into an IRA provided you have not done a similar rollover of any distributions from a traditional IRA within the 365 days preceding the date of the recent distribution. If you did do a previous rollover that would disqualify you from rolling a traditional IRA distribution back to a traditional IRA, you could instead roll it over within 60 days from the date of the distribution to a Roth IRA as a Roth conversion. Rolled over to a Roth IRA it would still be subject to income tax but not to the early-distribution penalty and in the Roth IRA it would grow tax free once the requirements for tax-free Roth IRA distributions is met.
