Read your written contract.
What is written is binding on you, and whatever an account rep told you is not binding on the company, recorded or not.
Don't be stubborn and learn this the hard way.
I have received calls 4 or 5 times a day every day. This is DriveTime, only problem is I am paying them exactly how my account rep told me too with a copy of the recording and her instructions. It's a bit disconcerting when you do what they tell you to do and they still keep calling and harassing you. This is why Drivetime got bought out by BridgeCrest who fired all the Drivetime employees! And they are not much better.
Read your written contract.
What is written is binding on you, and whatever an account rep told you is not binding on the company, recorded or not.
Don't be stubborn and learn this the hard way.