Payment worksheet message "Not permitted to access the Business Unit for customer"

PS AR, pum 39

User is trying to complete a payment worksheet and when they try to navigate to the Worksheet Application or Worksheet Action, they get this message "Not permitted to access the Business Unit for customer". We found a document that says this very thing happens when the PS_PAYMENT_ITEM does not exist for this payment. I checked and it does not. But the document says to save the worksheet again and it will create the row in PS_PAYMENT_ITEM. But I have tried every thing I can think of to save the payment and force the PS_PAYMENT_ITEM row and it