“They say fintech is the future. Funny, because OnePay feels more like fraud dressed up in a hoodie and aiding and abetting in the use of stolen debit card.”

This isn’t a cautionary tale. It’s a damn crime scene.
I wasn’t just robbed. I was drugged. I was sexually assaulted. I was stripped of my identity. I was medically incapacitated. I was ignored by every institution that should’ve had my back.

And OnePay? That shiny fintech company pretending to be a bank?
They didn’t just drop the ball—they threw it out the window, watched it bounce, and said “Not our problem.”

The Night Everything Broke

On, I was brought into the emergency room by EMS/911 after experiencing a full-body seizure. I was unresponsive. My body was shaking. I was unconscious.

Per my friend who witnessed the seizure and accompanied me to the hospital—and according to emergency department documentation:

“Patient reportedly has brain metastases. Reports filed with law enforcement indicate that patient has had recent traumatic events happening where he was drugged and sexually assaulted last week (reported to Rock Island and Davenport police).” (ED Physician McIntosh-Clarke MD,Damani R)

They diagnosed me with seizure-activity, building on my existing medical history, which includes:

• Malignant neoplasm of the islet cells of Langerhans (cancer)
• Metastatic disease to the brain
• PTSD
• And daily oral chemotherapy (Cyclophosphamide)

Let that sink in: I was fighting cancer. Living with PTSD. Seizing. Unresponsive. Hospitalized. And , just one week past being drugged and sexually assaulted.

“I was unconscious in a hospital bed. While I was out, someone used my Social Security debit card issued by OnePay. They also drained my savings account. I had saved this small amount to visit a dear friend in Florida this Spring. They used my stolen debit card—with OnePay’s help.”

The Fintech Finger Pointing

OnePay isn’t a bank—they’re a financial technology company. Their app looks clean. Their ads sound helpful. But the second you’re in trouble?

They vanish behind their “partners.”

Here’s how the scam works (and I don’t just mean the thief):

• OnePay issues the debit card.
• Coastal Community Bank or Lead Bank is the FDIC-insured institution holding your money.
• Both are supposed to investigate fraud under the Electronic Fund Transfer Act.
• Instead? They handed my trauma a stopwatch. And decided it was worth exactly three minutes.

A Thief, a Fintech Company, and Zero Consequences

While I was unconscious and hooked up to hospital monitors, Justin William Carlisle was out there:

• Using my stolen debit card
• Transferring funds from my savings to my checking
• Charging $25 in Delaware, $11 in Illinois, and $10 in California before the card was disabled.
• withdrawing funds via cashback and drained my savings
• Stealing my vehicle, my iPhone, iWatch, wallet, and all my IDs
• And taking four irreplaceable books, including:
  • My end-of-life journal
  • A personal log from the Obama White House
  • My medical journal
  • And every blog/article draft I’d written since 2008

“He took my past, my safety, and my plans for the future. And OnePay said, ‘Case closed.’”

And get this: Justin actually bragged that he couldn’t be touched. He called himself a “hero” and claimed he was “coated in Teflon” because he’s a state witness in an investigation involving Andrew Woldt.

To the Scott County Attorney’s Offices’ credit, they issued a no-contact order. This was done the day after Justin was released from jail. He was jailed for the auto theft and having my cards in his possession. (Scott County (Iowa) Case No. 07821 FECR 447008). According to Justin in a text message, the judge that released him thanked him for being a criminal. The judge’s comment is interesting, huh?

Imagine being told your abuser is too valuable to be held accountable.

The OnePay Review That Wasn’t

Here’s the timeline:

• March 11 – I reported the fraud to OnePay
• March 11 – I notified law enforcement of the auto theft and theft of my cards, etc. (Rock Island County Case RI25-00887 and Scott County Case 2025-17064)
• March 12 – I was in the ER, seizing, drugged, violated, and nonverbal.
• March 24 – OnePay finally marked the case as “under review.”
• Three. Minutes. Later. – They denied it.

The same case number is on all disputes. Three separate charges in three separate states. Three minutes total.

Not one call. Not one follow-up. Not one damn acknowledgment that I was fighting for my life.

“They had 13 days to care. They gave me three minutes instead.”

FDIC-Insured? Great. Now Try Human-Insured.

OnePay isn’t alone in this failure.

Their banking partners—Coastal Community Bank and Lead Bank—are FDIC members and backed by Walmart. A three-minute review of complaints related to OnePay shows they have a ONE STAR rating with the BBB. OnePay was formerly known as One and One Finance. With that in mind, check out actual reviews here.
That means they’re legally bound to:

• Investigate fraud
• Protect account holders
• Preserve consumer trust

Instead, they let a disabled cancer patient get financially gutted by a known criminal and did absolutely nothing.

“If I was a hedge fund, they’d call it identity fraud. Because I’m on SSI, they called it resolved.”

---

I’m Disabled. But I’m Not Disposable.

In October, I was declared permanently disabled and began receiving Supplemental Security Income (SSI).

The money Carlisle stole? That was my only income.

The savings he accessed? Gone.

The memories he stole? Irreplaceable.

The seizure? Triggered by stress and the trauma of being violated while helpless.

---

I Filed Complaints. And I’m Coming for Accountability.

I’ve filed with:

• The Iowa Attorney General (email receipt)
• The Better Business Bureau (complaint #23167060)
• The Federal Consumer Complaint Portal (.gov)

And I’m not stopping there.

To OnePay, Coastal, and Lead: Shame on You

You didn’t just fail.
You collaborated—through silence, through negligence, and through cowardice.

Your “investigation” was a PR move. Your systems are broken. And your soul?
I’m not sure it exists.

---

To Readers: Don’t Wait Until It’s You

📢 Don’t trust OnePay.
📢 Don’t assume FDIC = protection.
📢 And don’t let anyone tell you your trauma doesn’t count.

I deserved better. So do you. And hey—despite all of it, I’m still here.

I’m a survivor.
I’m a writer.
I’m a TEDx speaker-in-the-making (See this post)
And as of this morning… I have exactly $0.14 in my account.

Does anyone know a loan shark that takes IOUs? They must also accept a broken iWatch box, not the actual watch mind you, and sarcasm as collateral. Asking for a very broke, very resilient friend.

Seriously though I must replace my ID and phone. Want to help me replace my ID and phone? CashApp me at $jtwb768ztc or message for Chime info.

Stay tuned. I’m not done.
Disabled, not disposable.
And now, apparently, fiscally hilarious.

————-Jay Santana is a writer, speaker, disability advocate, and survivor whose work blends raw lived experience with unflinching social truth. A former federal public servant who contributed to White House operations during the Obama administration, Jay now speaks from a different stage—one built on pain, resilience, and a deep refusal to be silenced by stigma or systems that fail the most vulnerable.

In April 2024, Jay was declared permanently disabled and now receives Supplemental Security Income (SSI). But disability doesn’t define them—defiance does. Jay has survived sexual assault, seizure-related hospitalizations, and identity theft. They have also confronted the apathy of corporate and financial institutions. Jay is no stranger to being written off. They’ve lived through stigma. They survived incarceration and rebuilt through recovery. Now, they write boldly at the intersections of trauma, justice, neurodiversity, and personal transformation.

Jay is currently preparing to deliver a TEDx Talk titled “I Was Never the Problem”. This talk is part of their deeply personal becoming series. It is a platform that challenges narratives around shame, survival, and authenticity. Through storytelling, spoken word, and unapologetic honesty, Jay invites audiences to confront what society teaches us to hide.

Their recent work has focused on fintech negligence. They have addressed disability rights violations. They have examined the dark underbelly of fraud response systems like OnePay, Coastal Community Bank, and Lead Bank. They expose how vulnerable individuals are routinely ignored, denied, and discarded.

Jay lives in Davenport, Iowa. They continue to advocate for better consumer protection. They promote trauma-informed policies and the radical idea that disabled people are not disposable. Their work is currently being featured across blogs, press platforms, and in preparation for national media outreach.

“I speak because silence tried to kill me. I write because I owe it to the kid I used to be. And I fight—because no one else should have to go through hell alone.”