You can absolutely be sent to collections for not paying for a service, it happens all the time. As soon as that happens they will report it to the credit bureaus.
Send who, the debt collector? "Oh, no, I switched from Dropbox to backblaze. Go get the money from them." I guess you can say that, but I doubt it works.
Why do you think that? You entered a legally binding contract with an obligation to pay. You refuse to pay without canceling the contract. Why should the fact that it's a recurring payment change anything here?
No, merely having payment information is not giving consent, but you signing up for a subscription service was giving consent to a recurring subscription. That's a totally different situation.
