Well, after a few days of not eating, the separated single Neon Tetra with bent spine is now eating and doing ok. So, if he lasts another few weeks, I'm going to guess it is NOT fish TB, but some sort of vitamin deficiency he got when with his other owner.
Problem now (yes, ANOTHER problem, despite frequent water changes, and good water parameters), is that a cardinal tetra is fading in colour. I caught it today and put it in a breeding trap to get a good look and now it seems to be "playing dead". We'll see in the morning if it's alive. I'll separate it out into a bucket tomorrow if it still looks bad.
I thought fading came with Neon Tetra disease, but this is a cardinal and I thought Cardinals were immune to it? I hope it's not NTD.. then ALL the fish might come down with it/die. ACK. I am NOT having good luck with this second-hand tank. SIGH.