Credit One Bank review: Closed account

Today I received an email stating that my account was closed because of two returned payments. First off my monthly payment wasnt due yet. I always pay early and I pay more than what is actually due. One of the payments was for $25.00 coming from my bank account. The funds were in my bank account to cover the cost, even though my due date was more than three weeks away. The other was for $10. I had used my card to get gas one evening and was wanting to replace the amount back onto my card trying to keep my limit as low as possible because I have been working really hard on building my credit. Again my payment wasn't even close to being due at that time. So I'm making on time or early payments and I'm paying more than what is actually due. Why would my account get closed because of two returned payments. There wasnt even a warning that it would get closed and it will be reported to the major credit companies affecting my score. If you see I'm really tryin why would you want to mess all that hard work up for no reason at all. Give me a warning and I would have made sure the payments didnt get returned. This is very frustrating. Thanks for your time and have a blessed day.