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Problem during payment process. I have requested to have my payment date changed to the XXXX of every month. I am on XXXX and can't make double payments because they ( jc penny ) will not work with me. I make a payment on the XXXX when I get my check and the they want another payment on the XXXX. They closed my account in XXXX So all I'm doing is paying down my debt. In XXXX I took a loss of XXXX dollars a month. Due to my XXXX. JC Penny wouldn't work with me then and won't work with me now. They keep saying I'm not making a payment. But I do early every month. And they are applying it to the month before. Which makes it look like I'm not making a timely payment.