Credit card or prepaid card: Closing your account

For over a year now I have been making my payments on time, but for reasons unknown to me those payments would get sent back from Kohls to my bank account. Kohls hasnt been sending me any notices in regards to this issue and I dont find out until I try to make the next payment. At that point they send out a notice that I have late fees After I already spoke with them on the phone. And this happens every time. On XX/XX/XXXX I called and found out my bill due was over {$140.00}, I asked why and they told me late fees. I asked them to remove the fees because this on going issue isnt my fault. They were supposed to wave {$36.00} only and then I made a payment of {$110.00}. Today is XX/XX/XXXX and I went onto Kohls website and tried to make a purchase and I did not work so I called. It was then that I found out that my account was canceled my Kohls. I asked why and they told me late fees and that I could open another account. I asked to speak with a supervisor and have 10 minutes of asking I was finally transferred just to be told the same thing and that nothing can be done. This isnt right because every month I make my payments and neither my bank or Kohls will take any responsibility in the cause of my payments not going through. Its always a back and forth between my bank and Kohls and neither of them can find out the issue is. I honestly dont know what to do at this point besides report it to the CFPB please help me find a solution because I dont want this to mess with my credit when i have done nothing wrong. They should have informed me that they were closing my account when they were taking my payment information. Also I did not receive any notification about my account until Monday XX/XX/XXXX and there were two at once in the mail from a month and two months ago, they always send letters to cover themselves. The reason I so much in the first place is because they refuse to remove the late fees, on an issue thats their fault. Something should be done to find out why payments arent being received and theyre not doing that.