Comment by chii
it's why you take them to small claims court. Unfortunately, the terms and conditions have made sure they are clear of small claims by forcing you to do arbitration, which is more expensive for you than them (in relative terms, unless they also put into the T&C to pay for your arbitration costs - which some companies have done iirc, such as epic games).
Chargebacks are the last resort - only really worth doing if it is a large amount that you will miss if not charged back.
Both Uber's and Lyft's arbitration agreements explicitly allow you to use small claims court.