This answer was a bunch of schismatics and otherwise fancy words. Im not really interested in labels, and was more looking for a “ what is the actual substance of disagreement?”
The ultimate disagreement is the philosophies that Penal Substitution Theory assumes.
Here are a few examples for illustration:
1. Divine justice is retributive justice
2. Sin creates a demand or debt on divine justice
3. The demands of divine justice must be met in order for forgiveness to be possible
4. An innocent man can justly be punished for the sins of another instead of the guilty person.
5. Actual sins must be punished to satisfy divine justice
6. Wrath must be expended for wrath to be avoided
7. The wages or consequences of sin that created a demand on divine justice was a spiritual death
Those philosophical conclusions are applied to Scripture in order to develop theoretical ideas such as:
1. Adam died spiritually in the Garden of Eden
2. God punished Jesus in stead of punishing us
3. Salvation is the righteousness of God manifested through the Law as Christ suffered instead of us
4. The cross was an example of divine punishment
5. God separated from Jesus on the Cross
6. Jesus experienced a type of "spiritual death" that the lost will experience in terms of a separation from God.
7. Christ suffered and died not at the hands of wicked men but at the hand of God.
The substance of the disagreement is that I do not believe the philosophy (the first part) correct so I do not arrive at the same conclusions (the second part).
I hope this helps clarify Jane.