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You have to press for the refund. Refunds usually cost money to issue, so they would avoid it unless necessary.

Crediting my account isn't a refund. I never requested a credit. So I stand by my assertion that it is fraud. The same goes for having to meticulously scour my trip logs for where the driver didn't end the ride when I exited the vehicle, or other such shenanigans.

I don't think GP's comment was challenging your view but was more like advice ("if you complain enough to support, you'll get a refund instead of a credit").

You should just ask for refund. I've the similar story, Uber suggested credit. But immediately issued refund once I declined credit and asked to refund money back to my credit card.

You can’t consider credits revenue until they are used. This is GAAP.