U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Closing/Cancelling account Nevada

So I paid a payment to pay off credit card it was - balance in -/-/- I paid a payments in -/-/- no paymnets in -/-/- and 3 payments in -/-/- including the pay off so -/-/- comes around my - paymnet got returned so instead of them contacting me they closed my hey your payment returned they closed my acct they said it was closed because returned check did n't give me opportunity to pay and told me they are gon na charge it off rudely I may add on -/-/- I contacted them that 's how I found out about this situation now reason my check returned was because I 'm going thru litigation with my brother over our company and he returned check with my funds messy situation but I offered to pay my credit card balance to - from what it is now I thought me having this card for 4yrs would n't be a big deal so they said I 'm 124 days past due cause my cash payments in -/-/- was n't what was owed so they do n't count it as payment basically do n't care about my situation I spoke with collections and basically they do n't care even tho I can pay down balance to under my available credit it 's closed and they wo n't re open cause I 'm 124 days past due which is un true if u count my -/-/- cash payment