If you turn Player chat off it turns Whisper chat off as well even if you have whisper chat turned on, and you cannot turn guild chat off even if you turn it off. I am not sure if this is still a problem as it was a fair amount of time ago, but I did some tests recently and it still appears to be broken.
[Split this off the Trivial Issues as it’s describing a functional bug in the game. -Nevov]