I wrote to Chase on their 'secure message portal', which feels like it is straight out of 1995. I told them I'm out of the country and cannot send mail.

I told them that I am rejecting the agreement to arbitrate. I also said that since their message portal feels official, this would be what I would use as proof of my opt out in court, if the need arises. I saved some screenshots as well.

They have updated me once already to say that they are still working on a response.