Originally Posted by
Road_Dog
This prompts a question.
When I originally signed up for One, I bought the card at Walmart and paid a $1 fee. I then needed to link this card to a OnePay Cash account in order to get banking features (aka a routing/account number). This is important if you are trying to move the funds out, either by pulling from an external bank or paying off your CC from this account.
Assuming that a OnePay shutdown means they close your OnePay Cash account (and thus, you can't push/pull anything), what does OnePay do in the event that I buy another OnePay card (the one with the $1 fee)? Will I just be unable to use this card because they refuse to let me reopen a Cash account? That seems like a logistical nightmare for them unless they can very easily refund the original method of purchase.
Or does that card basically turn into a prepaid debit where my only path to liquidation is spending down the balance? If this were the case, there may be some small use cases (such as loading it up with a bunch of VGCs and then making a large tax payment) but overall it's not an ideal option. Still, the process for buying a OnePay card at SCO is as simple as "scan your card, choose your balance, swipe your debit to fund it". There is no verification until you are trying to link to a OnePay Cash.
They make it exceedingly difficult. You phone number will be linked to your now closed account. You’ll need to register the new retail card under a different phone number. You still have to give your name, SSN and address. They’ll know it’s you and so you’ll get denied a OnePay account but you’ll have a limited One account (under your new phone number) that has no features like bill pay or ACH. none of that. You’ll have to spend down the retail card. If you try to buy another retail card, they’ll just shut down that account too. They’ll keep the phone numbers you use for this on file and will not let you use them again for a very long time.
I checked and my phone number is finally no longer linked to me, but it’s been about a year or so since they closed my account. They told me point blank they would always keep my SSN and mailing address on file though, due to “patriot act” requirements.
lucky they told me anything. They use a call center in India and I guess I got an Indian who didn’t give a shoot and told me what was up