I have been a member of this credit union since 1995, when they still were small, very customer oriented, and called Portland Teachers Credit Union. I opened my account with PTCU (Lloyd Center branch) when I first moved to Oregon. And I liked the credit union so much that I kept their account for all those years, even though I moved back East in 2003.
In between, the small credit union joined forces with other unions and became OnPoint Community Credit union. Since then, it has become progressively worse, to the point of the on point greed, fraud, and ABYSMAL customer service.

For the past 2 plus years, I have been trying to receive the name and address of their CEO. Instead of that information, I have received, TWICE, threats that my account would be closed if I do not stop.

As it happened, the threats I received were made right before my departure for Ecuador and duting my stay here. So, it was too late to change the bank, but the threats, signed by their numerous VP of (what they call) customer service are on the record.

Also on the record:

1. The first incident of the Pay Pal fraud, when the On Point sided with PP and welcomed such fraudulent operations as getting into my checking account without my authorization and withdrawing money,
billing my credit card for $250, for the purchase of a $4.95 postage label, etc. I GOT NO HELP FROM ON POINT, but, after around 4 months, and many ours of wasted time, Pay Pal refunded their fraudulent charges.

2. The second incident with Pay Pal (which repeated the first one to one) and after which I closed my Pay Pal account and informed On Point that no Pay Pal charges are to be accepted either to my credit card, or to my checking account (the latter was never connected wit5h Pay Pal). After a few months of back and forth writing (whereby On Point answers without even reading my letters and sides with Pay Pal), On Point charged ME for putting stop payments on the bank account, which has never been connected with Pay Pal. Then they re-billed Pay Pal fraudulent charges to my credit card, doint it so that, after my account was closed (due to theft) with PP charges credited, they re-billed PP fraudulent charges to to my new credit card, when it at long last was issued.

3. Upon my arrival to Ecuador December 2, 2011, I was robbed, at gun point, of all my belongings, including cash, credit cards, debit card, AND ALL. The loss was reported to my disreputable bank immediately. IT TOOK THAT SO CALLED ON POINT AND SO CALLED COMMUNITY CREDIT UNION OVER TWO MONTHS to provide me with replacements cards. AND THEY REFUSED TO PROVIDE ANY CASH ASSISTANCE IN BETWEEN. Trey were asked, due to peculiarities of tie Ecuadorian postal system, to mail my debit and credit card by the USPS priority mail. They refused to do so, insisted that they could only mai the documents by the 1-st class mail.
As it turned out, 2.5 months later, when the despicable liars with signatures of VP Customer Service, were insisting that my cards were mailed, they were languishing in their processing center. They were not mailed until around February 15, 2011, i.e. 2 months later.
By that time, the despicable liars did mail what they called replacement cards, after being threatened with a law suite.
The truth remains - DUE TO THAT DESPICABLE CREDIT UNION, I LIVED, IN A FOREIGN COUNTRY, WITH NO ACCESS TO CASH, FOR AROUND 2 MONTHS.

4. The fees are simply OUTRAGEOUS and growing by the minute.
Although the currency of Ecuador is the USA $$$, the On Point Community credit union, charged $8 for the withdrawal of each $500, plus they charge outrageous foreign transaction fees on their credit card, whose customer service is the WORST credit card customer service I have ever had.

5. As of May, 2011. they raised their fees for bank withdrawal to $ 9 for $500, which are distributed by he bankomat in the USA $$$. No warning has been made regarding this fee increase.

6. Meantime, their interest on savings amounts to $1 per $10, 000 of savings. So, that so called community credit union has been paying me, since January, 2011, around $1 for keeping my $10, 000 and charging me $8 - 9 for the withdrawal of each $500.

7. After their despicable credit card charged me their OUTRAGEOUS foreign transaction fees for the purchases made in $$$, I wrote them that, having paid off the balance in January, 2011, I would no longer use their cards. I paid off the balance, I stopped using it. The very next month, they re-billed Pay Pal fraudulent charges (around $220) to the card, whose number had been never known to Pay Pal. (the dispute went back to October- November, 2010, long before I had left for Ecuador, where my credit card was stolen.

8. Since the OnPoint fraudulent re-bill, in January, 2011 of the Pay Pal fraudulent charges, of October-November, 20101), I have contacted their credit card 10000 times, telling them that I dispute their fraudulent charges and will not pay for them. They refuse to open the dispute, but have been charging me all sorts of late fees for that fraudulent charge.

IF THERE IS A GREEDY AND HUNGRY ATTORNEY READING ALL THIS, LET'S TAKE THAT DESPICABLE ORGANIZATION TO COURT!