Ouch, good luck!

I didn’t think they were legally able to keep your money. Yikes! Keep us posted

When was your account first suspended until you got the message from ONE? Also like how much were you doing in volume until you got the notice of the shutdown during the temp card period?

Suspended on 08/09, closed on 08/14. Did about 6k spread out over a month, maybe 400-800 in a day and usually withdrew after a day.

am i able to load this card at self checkout? i tried today by clicking the "gift card" button but when i tried to swipe or chip in, the machine spit an error

i see some people talking about a temp card. whats that? i think i just have the normal card with chip that they mailed me

temp card is the one you can buy at Walmart before they send you permanent one.
i signed up online and got the chip card mailed to me but from what I’ve read some loaded at sco with temp card until permanent one came in.

How long did you last before the suspension? Don't tell me it was just $6K and shut down in 1 month.

My bolding and underlining
I have never submitted a complaint to the CFPB, but the bank you want to complain about is Costal Community Bank.
Your One Account is part of that bank and a demand deposit account as well. They are not entitled to keep legitimately deposited funds. As long as you have the records of where the funds were obtained and how, these have to be returned. However, that process can take weeks to months but you should get your money back.

Like 6 weeks from creation to shutdown lol. I have a feeling maybe receiving money from cashapp might have played a big part in it as well. I have read of others hitting it harder and for longer before shutdown. I thought it would've made it look more legit if I was using it my real "bank", guess not though.

Yeah I tried to look up coastal community bank as well but it wasn't there. I actually set the physical address as Coastal

Here is an article from a site that apparently has done some research on One. According to it, there have been 12 CFPB complaints in 12/23 so you should be able to send one to them as well. From the article (legitimate partial quote permitted)

The CFPB received 13 complaints about One in December, almost double the neobank’s monthly average for 2023.

The article also noted the following.

One had a higher rate of complaints lodged against it at the federal Consumer Financial Protection Bureau in 2023, its first full year under Walmart control, than most other large neobanks for which data is publicly available. The CFPB received 89 complaints about One, which has 1.6 million customers, according to a recent internal company presentation. That was six more complaints than Dave, a neobank with 9.9 million customers. One also has more complaints per customer than both Current and MoneyLion, two large neobanks. Chime, the largest neobank in the U.S., has by far the highest rate of complaints. (These comparisons are imperfect because neobanks don’t always use the same definitions of “customer.”)

Please remember that ProPublica is a site that claims to be unbiased, but really isn't so it looks for clicks just like everyone else.
However, first you should be able to file a complaint to the CFPB and second, see why you were shut down so fast. If nothing else, everyone should be aware that One and Coastal are probably being hyper-vigilant on scammers which they consider MSers to be ;)

When you loaded Discover, were you also able to fully drain $200?

yes. You have to watch discover though. Only allow to load 7 times in rolling 7 days or else it will tell you debit not allowed when trying to load after that.

Update 5 weeks later: VGC/MCGCs are still there at 1/3 SCs and 3/3 NMs. Since the last post, I checked one new NM and rechecked one NM and one SC. (The SC was one of the ones without the VGCs, still missing). Medium-sized metro area with some crime hysteria but not a ton; been looking within city limits and outside.

At one of those NMs, I bought slightly <500 VVGC Incomm ("happy birthday"); these ones (based on design and location on the rack) used to be Sutton but now they are PW. I think there are no Suttons anymore. Still plenty of SS (also PW). Bought this card along with some tea using WM Pay; BAU.

That ~500 purchase counted as grocery. I just did another purchase like this, but this time it was VGC only (no other groceries) and it was SS, not VVGC. Looks like it coded the same way, but I'll let you know.