I hate to tell you this, but the rep at the Cricket store was correct. Cricket's policy regarding replacing phones is available online. You can see it at: http://www.mycricket.com/cricketsupport/faqs/phonesaccessorieswarranty and look under "Warranty Exchange Program". Therefore, the rep at the store wasn't lying to you, it was the 800 number rep who gave you incorrect information.
However, when I previously worked there about 4 years ago, there was an offer available in the tech support department where if you wanted to, you could suspend your service and be credited for **ONLY UP TO 14 DAYS OF SERVICE** for your phone being inoperable. This gives you time to replace your phone. But, since I don't work for Cricket any longer, I don't know if they changed that process or not. You can ask about it. The 800 number rep was on the right track, but gave the wrong information (based on what you're saying).
In regards to your bank account being drafted, it sounds like you activated "Automatic Bill Payment" (ABP). That is why your account was drafted. It also sounds like you used a DEBIT CARD to setup ABP as well since you said that it hit your bank account. What was supposed to happen is that when your service is cancelled, it SHOULD stop the ABP draft. Definitely submit a complaint to your bank regarding that draft since you had already cancelled your service before the next month's bill was due.
As for the BBB, you can locate Cricket by searching the BBB website for "Leap Wireless" as Cricket is owned by that company. File a complaint about your issue. The reason why you cannot get a "live person" on the phone is because you cancelled your service. The representatives can usually only help those who are CURRENT customers.
Hope this helps....