Heat olive oil in a large pot over medium heat.
Add chopped onion and sauté until translucent, about 5 minutes.
Stir in minced garlic, kosher salt, black pepper, crushed red pepper, chili powder, cumin, and oregano; cook for 1 minute until fragrant.
Add Ranch seasoning, Rotel (or diced tomatoes), and diced green chilies; stir to combine.
Pour in the drained white beans and pinto beans, then add shredded rotisserie chicken.
Mix in water and Better Than Bouillon Chicken Base; bring mixture to a simmer.
Add softened cream cheese in chunks; stir continuously until cream cheese is fully melted and the chili is creamy.
Stir in frozen or canned corn and heat through for 3-5 minutes.
Taste and adjust seasoning if necessary.
Serve hot, garnished with cheddar cheese, sour cream, cilantro, lime wedges, avocado slices, jalapeno, green onion, and tortilla chips as desired.