Installment Loans > Minnesota > Duluth > Harbor Pointe Credit Union
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Credit union

Harbor Pointe Credit Union W 2nd St, Duluth

2.7
(10)
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Phone:

+1 218-722-9242

Website:

http://www.hpcu.us/

Address:

11 W 2nd St, Duluth, MN 55802, United States

Harbor Pointe Credit Union Reviews

2.7
10 Reviews
  • S

    Sarah Devine
    1

    The credit union has great amenities but the tellers are another story. I called to see if I could deposit a check which should’ve been deposited, and after a stressful day it was good news to hear it could be deposited with mobile checking, I was so relieved I started to cry as I thanked her for her help...and she laughed at me. So who ever answered the phone 4:16p 9/10/2020; your customer service needs improvement. Money is stressful and you should treat all your customers with more respect then to laugh and embarrass them. Shame on you.

  • N

    Nate “NateOfTheUnion” LaCoursiere
    5

    Fast, friendly, efficient local community bank. We keep moving boat, vehicle - really any loans we can - over to Harbor Pointe because of the rapid, personal and friendly service. Highly recommend.

    Response from the owner

    Hello Nate and thanks for sharing your experience with HPCU. We are always here to help! Have a great day!

  • S

    Sandra Modin
    1

    Terrible CU!! Check any & all loans you have with HPCU for correct interest rates! I recently found a serious error with my mortgage loan when comparing my paperwork to what they had online!. They had the wrong interest rate on it for the past 7yrs! I contact them with much back & forth & treated rudely it was fixed after six days of daily calls. The did the same thing to my car loan and refused to credit me! the VP of HPCU said they have different paperwork in house & that is what they are going by not the paper work I have. They have it as a 2.9 my paperwork said 2.79 unbelievable ! I asked for some compensation pretty much was laughed at.. oh did I mention I have been a member for 30 plus years back when it was DTCU but I guess none of that matters.. Moving what few loans have have there to members cooperative CU super helpful and nice people to work with:)

    Response from the owner

    Sandra, sorry you experienced an issue at the credit union. Thank you for bringing this to our attention so we could get it corrected for you.

  • C

    Corey Lehman
    1

    COMPLAINT: Hello, I have been a consistent customer since 2012. I have never had a worse experience from this bank than this year. I need to let you know of several problems presently taking place with your service. I have endured multiple issues regarding HPCU's service. Your staff have been short with me and unwilling to hear my points of criticism and I feel completely out-casted as a long time customer and supporter of this bank. 1. My debit card is constantly bombarded with false flag fraud claims and my card gets locked up way too frequently. This has occurred almost every single time money is deposited into my account. Your reasons for locking my card are frivolous at best. I have been barred from additional purchases because of payments to local shops such as Subway, Savers, Local convenience stores, and previously approved scheduled bills on my account. THIS IS UNACCEPTABLE. 2. Your audio teller does not work. 3. Your quick check feature does not work. 4. The online login for my online banking account stops working frequently which bars me from checking my balance. 5. Using my debit card has become an anxiety inducing roll of the dice. I have no idea whether it will actually go through at the places I check out. 6. The two day waiting period for cashing checks is the most inconvenient policy I've ever experienced. Why should customers who have used this bank be forced to have their money delayed? Is there no trust in your customers? 7. The minimum balance fee on customer accounts is discriminatory. Because I do not have at least $50 in my account I was charged a fee for cashing a check. This is insult to injury and a blatant attack on people with low income. Please abolish this hateful policy immediately. Please improve your services and customer support. Your performance this year as a company has been drastically below average. 1/10. Bad service, Horrible customer support, multiple unnecessary fees and Broken fraud detection system (Flags local purchases).

  • C

    Cheryl Jaros
    5

    Esmira was our new loan officer and did a wonderful job of explaining all our options to Joe and I.. She is very knowledgeable and easy to deal with. Joe and I will certainly have Esmira for any future loans we will need . Thank You

    Response from the owner

    Thank you for sharing your experience Cheryl, we are always here to help you, your friends and family!

  • K

    K S
    1

    Minor edit: DTCU has become 'HPCU' - I left this bank before this change, and can't speak to the quality of the 'new' bank. If it's simply a rebranding with no real change, then this place is still 1/5 stars. They'll need to reply directly and outline any changes they've made. Until then I'll assume they're still awful. Long story short: DTCU inhibits your ability to spend money, their staff are often rude, and their policies are overzealous. If you want inconvenience, DTCU is your bank. ---- I initially went with DTCU because my Grandparents were long standing members. They setup an account for me in their name while I was a child and poured some savings in for my college education; which is something I've aimed to do with my children. Despite this, I can no longer bank with DTCU. Here are a few examples of why.. Surprisingly I'm leaving a lot of stuff out. While applying for a mortgage I was given unfair rates and a relatively low credit amount, despite having great credit, and several fully paid loans with the bank. Other banks gave me good rates and a significantly higher limit. I went with a different provider. Going out of state/country on vacations, having all of my purchases declined despite calling them and telling them in advance. Getting my card activated again took 3 days in one instance, leaving me stranded without a rental car and all of my luggage.. Randomly having my debit card cancelled without being contacted, thus causing all of my existing automatic bill payments to fail.. Utilities, mortgage, student loans, etc.. Despite all of my gripes, the biggest issue comes from attempting to spend my money. While security is a high priority, I feel stifled while trying to make non-stanard purchases. There have been numerous instances where I try to buy something, only to be told I can't and that I need to wait for a managers approval. The few times that I was able to make these purchases, my card is always declined several times before actually going through because of the staff taking hours to remove any restrictions. This is not only embarrassing, but really inconvenient for presumably all parties.. The most recent instance of this is what finally went too far for me.. I'm currently remodeling my kitchen, coincidentally I just had a new son who was born at 28 weeks (he's doing great), and although he's still in the hospital, he will be coming home any day now. The only reason I planned this kitchen remodel was because I expected to have it finished long before his due date. Most of the framework/rebuild is done, but I'm at a point right now where it's absolutely imperative that I get the cabinets/appliances ordered so we actually have a functioning kitchen before the baby comes home. We've already been put off for over a week because of DTCU restrictions, the cabinets take 2 weeks to ship, so now our newborn will likely come home and be exposed to construction noises.. Edit: the baby came home the same day my cabinets arrived... A literal worst case scenario that would have been avoided if DTCU didn't stop me from buying them when I told them I wanted to. The worst part about this instance is that I knew about the spending restrictions, so I call into DTCU to get the limit temporarily removed a day in advance. It was still declined, and I was told I couldn't make the purchase over the weekend, and to call back on Monday. On Monday they raised my limit, but they were only raising the limit to the exact amount and promptly putting my account on a 24 hour hold afterwards.. I went to buy the cabinets, and the purchase was STILL declined. In the end, I couldn't buy them using my debit card, and I needed to go to the bank and pull $4000 in cash, which took, two trips/days, because they told me I could only withdraw $2,500 at a time. This actually cost me several hundred dollars in rebate savings because the sale ended.

  • T

    Theodore J. Stonich II
    5

    Out of all the many banks I've gotten services from anywhere this one wins hands down. You can walk in just being your self an get treated right. They solve problems immediately an the app is perfect. No predatory fees an say on a loan for example they will intelligently work with you on any bumps in the road. I ain't ever goin NOWHERE! 😁

  • O

    Outdoor Explorer
    1

    Do not get a bank account here! If you do cancel it asap. Awful quality compared to all other banks out there. Amy S is a lier, awful guest service that is the hole reason for me leaving DTCU.

  • T

    Theresa Pack
    5

    Great rates, personal service, answered all my questions and EVERYTHING for a vehicle loan was done online and through email QUICKLY!! THANKS,ALYSSA!!

    Response from the owner

    Theresa, Thank you for letting us know, we really appreciate you choosing Harbor Pointe Credit Union for your financial needs.

  • W

    Wesley Stanek
    1

    This place is a joke..don't ever bank here.customer service does not exist at this place.. they made a mistake with the address with my checks and took no responsibility I felt like I was the blame even though the address was clearly hand written on the form as well..then when I just wanted to close my account they said they would have to charge me a $25 fee..later I deposited a large cashier check and was told that there was a 7 day hold..this bank has no idea how to treat people..I am definitely changing banks when they won't charge me a fee..

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FAQs

  • 1. How Can I Reach Out to Harbor Pointe Credit Union?

    You may contact them at the phone number +1 218-722-9242. You may also go to their website and submit your information.
  • 3. How Can I Get A Loan at Harbor Pointe Credit Union?

    Simply submit your information on their website. If you feel like learning about other financial services, take a look at high-approval-rate installment loans provided through a popular loan platform.
  • 5. What Do I Do if I Cannot Pay Back My Loan?

    Reach out to the lender and reach an agreement in advance. You should know, however, if it"s an auto title loan, the vehicle will be kept by the lender when you default.
  • 2. What Is the Address of Harbor Pointe Credit Union? How to Go to Its Store?

    The address of Harbor Pointe Credit Union is 11 W 2nd St, Duluth, MN 55802, United States. Open the map app on your phone to find the fastest route.
  • 4. Is Harbor Pointe Credit Union an Agency or a Lender?

    Harbor Pointe Credit Union is a Credit union that provides loans of all kinds. Check out our platform to learn about various types of loans including personal loans.
  • 6. Can I Get a Loan From Harbor Pointe Credit Union With A Bad Credit Score?

    Yes, you can. But peruse the conditions and terms as there can be unfair conditions when it comes to bad credit loans.