Banks don’t always let you cancel a credit card charge if you’ve authorized it but then can’t get ahold of the charging entity. It happened to me. I couldn’t get my credit card company (Wells Fargo in this case) to stop a recurring charge but they did let me cancel my credit card account and move my banking accounts away to another bank.
Ah, I'm not an American and that's very wild to me. I have never had trouble getting my bank to honour an order to stop payments, although it takes a few business days to process
The charge is tied to the continued existence of your gmail, gdocs, third party login with google account, gcp, and anything else you trusted google with.
In the scenario given your account has been deleted - if you still have access to other Google services, then you can just use the web interface to cancel the problematic subscription?
I don't know how US collections works since I don't live there, but none of the financial systems I've ever interacted with give merchants any entitlement to future money for a service they are no longer providing
That said, I do pay for YouTube Premium.