The only reason they record those calls is to create a contract. When you say you will send money and don’t, they can technically use the call against you. At least that is the way it was explained to me.
Basic law throughout the U.S. is that for a contract to be valid and enforecable, there has to be a mutual exchange of consideration. You don't incur an legally enforceable debt by promising to send them money and then renegging, because they're not offering you any consideration in exchange for your contribution.