Same issue with my husband who since we joined in 1998 and he never needed his own account. But then We couldn’t get him a Disney card. I tried calling but then they needed him and he wasn’t around, then I tried chat and they told me he had to call. We hapoened to be in Epcot in March and went to the DVc member lounge. They took care of it. It seemed like this was a recurring issue because the guy helping us said this has become an issue when it never was before. I’m not sure whst he did but my husband got an immediate email with a pin and then he set up his own account and got his Disney membership card. Hard to believe he will ever need his account again. I do pretty much everything to do with DVC as well most other stuff at home, financial or otherwise, We do joke that if I ever wanted to I could take every dime we have and disappear and he would never know because he has no idea how to access anything…not thst I haven’t tried. He just doesn’t care.