The chat line in Elder Scrolls Online can be quite annoying. There are several ways to deal with it. You can turn it off completely by right clicking on the tabs in the chat window and go to settings where you can unclick all the tabs and hide the window.
You can go into options and lower the voice volume all the way down. Sounds like going to Social and then Voice Chat and "hit square in the channel" turns it off but apparently this has to be done over again every time you log into the game.
You can also hide Chat or minimize the window greatly.
I think all of the above are for PC players but I can't confirm this.
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