> they will refer you to the business that cooked the food unless

This hasn't been my experience. Every time I've used Grubhub or Postmates and used their form to submit an issue with an order, the services have always either refunded me the issue or provided credit. I've never had to deal with the restaurant, unless I wanted something outside of money.

It's been my experience multiple times or I wouldn't have mentioned it

If you have a complaint, they just refund you right away. I think they know customers could start issuing chargebacks through the credit card company and they wouldn’t have a way to defend themselves against that.

Nope.