Just a couple of weeks ago I used a free trial on Crunchyroll and none of that is true, at least for the 3 titles I watched (My Hero Academia, Jujutsu Kaizen, and Demon Slayer). The audio tracks were selectable in the video player, as were the subtitles.

Also, the subtitles were absolutely top notch, with translations of Japanese text appearing just next to the original, at the same angle and with the same colours, and without obscuring the original text.

I haven't heard about any shoddy business before seeing this post, but that could be because I haven't looked for it.