If you are at the point where your only option left is a chargeback, that is a “burning the bridges” moment anyway. Why would you want to continue doing business with a company that treats you like that? I would be grateful to be banned: it means I don’t have to go to the trouble of canceling my account.
I’ve had to do a handful of chargebacks and I don’t know or care whether they banned me: I would never voluntarily do business with them again anyway.
One reason you might still want to use them is that they used anticompetitive blitzscaling strategies and ran at a loss to prevent competitors from taking off.
I have a friend who had a bad experience with a company once. After drawn out fight for the equivalent of a months salary with lawyers getting involved and threats of collections, the company made a final statement. "We will refund you, but you'll be blacklisted". My friend was delighted, and responded to them as such. He thanked them, since now he wouldn't have to remember their name to avoid ever accidentally buying from them again.
He found a local contractor to do the job instead.
> Why would you want to continue doing business with a company that treats you like that?
They might have a practical monopoly on these services. Most cities are going to be serviced by only Lyft and Uber, with one having more drivers than the other. If you get burned by both services due to their refusal to provide adequate customer service checks on automated systems, you initiate two chargebacks and then lose your ability to call a cab until you pay them the money on the chargeback.
I’ve had to do a handful of chargebacks and I don’t know or care whether they banned me: I would never voluntarily do business with them again anyway.