As a contractor of OnPoint for over eight months (and earning paychecks that total 5-digits), I can guarantee that this company is legit.
The original poster has correctly detailed most of the application process, except has noted one fatal error. The documentation that mentions these "paid" lists is included in the new hire packet with its containing confidentiality agreement.
There is never a time that a contractor will pay anything to OnPoint. There are no mystery lists to be purchased by a contractor to be able to work. OnPoint does not "badger" applicants; however, a reminder email will be sent if an applicant fails to submit their writing samples within the alloted time frame.
To all those who have had the misfortune to come across this false report, pay it no mind. As someone who has worked/contracted for numerous other work-at-home companies, I can say that, not only is it legit, it is the most unique and enjoyable company to be with yet.
A simple google search or trip to a work-at-home forum will show great reviews and testimonials from those who have had the pleasure of joining the ranks of OnPoint.