Thanks mauricep27921461 for tagging and making me aware about the user.
Hi Kayla,
I apologize for the troubles you are facing with the cancellation of the Creative Cloud plan.
Since you are getting the payment error message on your account, therefore the cancel plan button is not active on the page.
You will need to contact support through call/chat for this request.
**Be sure to remain signed in with your Adobe ID before accessing the link above**
Let me know if you are unable to contact the support.
Hope that helps!
Regards,
Sheena