Ok, JCPenney is a retailer - GE Money Bank is the credit card company you're upset with. JCPenney sells goods and services, but they are not a credit card company so please at least know that. It's evident that you may not be fully aware of how your card & its payments work, because you don't even know who you're creditor is :/
I understand your frustration completely...BUT, first of all. We do NOT accept VISA Credit for payment - only when used as the PIN Debit option. So, if an associate tried to run it through as credit, then that error falls upon the associate. BUT there also could be an issue with how your financial institution decides to credit transactions and make payments, so I would definitely call and double-check on that.
As far as the bill goes, I'm sorry but did you honestly let that month go by and think that you just shouldn't see any type of statement? You should be receiving and REVIEWING your credit cards, bank accounts, etc. EVERY MONTH - not just when they drop in the mail, even though I do think you should get that EVERY month.