The BBB is an absolute joke; you buy your ratings. As someone who's had direct contact with the BBB in a corporate context, I can say with absolute honesty and surety that the ONLY criteria that decides a corporation's BBB score is whether or not they paid the annual BBB administration fee. Ask around, talk to your friends who have had direct access- they'll confirm what I'm saying 100%. Filing a complaint with the BBB does precisely dick and angrily saying "well, I guess I'll go file a complaint with the BBB as soon as I'm off the phone with you" when on the phone trying to cancel a service serves only to make the rep you're talking to mute their microphone so they can laugh out loud at you. You think the rep you're talking to gives a flying lawnmower about your little BBB complaint? If you do, I own a bridge in California that I'd love to sell you.

Stopping payment is not the same as canceling a contract. You are basically acting on the premise that it's not worth going after you. That might even be true in all cases, but it's still disingenuous and probably unlawful.