My mother has had a insurance policy thru her JC penny's credit card. She has made the payments for the insurance faithfully for years. In July my parents had to file for brankrupcy. She re-affirmed the JC penny's account and continued to made the payments for the insurance. Come to find out JC Penny's closed her account without notice and instead of re-laying the payment to the insurance company they just credited it to a closed account. She had made two payments toteled and none were sent to cover her insurance policy. Now her accident insurance has lasped and she is not covered even thuogh she has paid. The insurance company states that they want a double payment to re-instate her policy and JC penny's through GE money Bank just give her the run around on the refund of the payments she did make. Why did JC Penny's cash her checks in the first place if the account was closed?