Don't think I've ever seen this. I've seen the image backup getting stuck because of filesystem/drive issues which would also freeze Windows though and may not be fixed by anything but a full (long) format (or new drive). And, I've seen it not wanting to backup an image where a format of the target drive would fix it.
There's free image backup software available but it can be slower and its far more annoying to restore the image unless you can find one that offers to do it in a faster way.
With, File History, however, they messed that up a bit from what I understand with Windows 11 (although if you have xml programming understanding then you can simply directly do it from the FH backup xml file where the UI stopped being able to). I stopped using it as I already have two backup software running. But, that could have some extra issues.
If you have a DIY computer, some motherboard manufacturers like GigaByte provide backup software for free that may be a bit better than FH. Other free backup software can be obtained from usb drive manufacturers like Western Digital. And there's free software that's just free from being open source.
Certain ones here will say Windows backup tools are deprecated so don't use it but Windows itself is technically deprecated anyway as there will be a Windows 12 so Windows 11 is deprecated. Its a funny thing to say :) No matter what you use, there will be problems deprecated or not, and in fact the Windows backup tools work fine on Windows 11, as I just used the image backup tool just fine some days ago.
Sometimes its the software, sometimes its not. If you give the Windows backup tools what they want then it works fine.
Its difficult to know why its getting stuck at 97%. Its not necessarily the backup tools. You will have to narrow that down, or not, and just use something else and see if it goes better.