AUTOPAY Logo

AUTOPAY

star star star_half star_border star_border

7.6

Overall Score

cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Verified Customer

check_circle

Review Source

star star star star star_border

Benjamin D Washburn Las Vegas, NV

Very nice agents, easy process. Only thing was I was told I would have 60 days before first payment and did not get that I had a payment due within 30 days. More accuracy would be helpful for customers.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Benjamin, thank you for sharing your feedback with us! We would like to apologize for any confusion. The first payment date is set during contracting. Since there was a delay you should be getting any over-payment back from your lender. If you have any questions or would like more information please call us at 844-290-5731. We will strive to make this more clear in the future and apologize again for the confusion.

Oct. 1st, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Michael Perdue Houston, TX

Laquinton assisted me in putting all my loan paperwork in order. He was very helpful and walked me through the process step by step. Overall, Excellent customer service

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

This is great to hear, We will pass along your feedback! Thank you!

Sep. 24th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star_border

Lyndsey Friedens, PA

Experience was good my only complaint would be be playing phone tag with my my loan agent. It got to the point it was easier to text him rather than call call because he'd not return my call right away

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Thank you so much for the feedback! We apologize for any issues with communication but are happy to hear that you were able have a good experience overall! Thank you for working with AUTOPAY!

Oct. 1st, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Paul Goldbeck Hyattsville, MD

Autopay was accurate, timely, truthful and friendly and accommodating. They took care to ensure that I knew everything every step of the way. There were NO surprises!

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Delighted to hear! Thank you for sharing your feedback, Paul!

Sep. 24th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

LOrena Johnson Jefferson, NH

Jacob was excellent in his abilities to find me a very good interest rate and reduction in my monthly payment. He was very professional, friendly, and very efficient.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Amazing! We love hearing experiences like this! We are delighted we could work with you and help you. Thank you for sharing with us Lorena!

Sep. 24th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Maria Obaldo Campbell, CA

My Loan Specialist Eddie A was helpful in the process of refinancing my car. Easy to work with and fast at responding. Thanks to him i was able to refinance my Toyota CHR.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Outstanding! Great Job, Eddie! Thank you for sharing your experience with us, Maria!

Sep. 23rd, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Anthony Walker, LA

Their knowledge was unmatched. The time it took to receive answers to my questions was short and the representative I was working with was extremely thorough.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Great to hear! Thank you for your feedback, Anthony!

Jul. 15th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star_border

Patricia Foss Saint Peters, MO

Timing and ciontact avaialbility and response time was longer than necessary. All of which resulted in my having to pay more than agreed upon on phone with Jessica and a negative credit rating resulting in a 85 point drop.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Thank you for sharing Patricia. We would like to take the time to address your feedback, please call us at 844-290-5731 to discuss.

Oct. 1st, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Jeremiah Eucha, OK

Autopay was able to help me refinance my vehicle with a lower payment and interest rate! They were quick, responsive, and very helpful thru the whole process.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Hi Jeremiah! Thank you for your kind response! We are always happy to help and we are glad your experience went so well.

Jul. 16th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Tami Hanson Rodriguez Queen Creek, AZ

So very convenient! Pleasant customer service staff that is great with keeping you informed on the process. I emailed the requested documents and they handled Everything!

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Fantastic! Thank you for working with us, Tami!

Jul. 15th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Tony Rezakhani Aliso Viejo, CA

Very truthful snd professional , and Daniel was aware and awesome I really enjoyed doing Buisness with all of them and even the follow up was very promptly done

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Thank you, this is great to hear! Thank you for working with us Tony!

Jul. 15th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Jay H. Spring, TX

It was very easy to submit the required information to process our re-fi. I'm happy with the rate, and pleased with the manner in which the transactions were handled.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Fantastic Jay! Thank you for sharing your experience!

Jul. 17th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star_border star_border star_border star_border

Tanille Williams Saint Petersburg, FL

This started out ok and I followed all the instructions. When it was time to sign the contract I did not see where it asked for Down payment. I asked Monica what about the down payment she specifically said don't worry about the down payment because the lender is funding the loan in full. I was like ok Great this is awesome. A month later, the previous lender called to say I still owed. I reached out to auto via email to Monica. She called me furious saying I need to pay the $2400 now, so I was hold on wait a minute this was a month ago you told me I didn't need to and I've already spent that money. I mentioned that I would make an arrangement with my previous lender to clear the balance and she basically said no if you can't pay now the deal is off I'm going to cancel the transaction. Keep in mind they've already funded the loan and my due date was in a few days. I emailed her and she basically replied making it seem as if I was the problem when they did not have proper checks and balance. This by far is the worst experience I have had and I'm putting the world out there for everyone to stay away from autopay.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Hi Tanille, I'm so sorry to hear about this experience. We always strive to be as clear as possible during contracting, which is when a down payment is agreed upon. Since the down payment came as a surprise, then we would love to talk to you soon so that we can research this further so we can make sure it doesn't happen again. Please reach out to us at 844-290-5731 when you're able.

Oct. 22nd, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Jodie Hallares Roanoke, VA

Because my experience was fabulous. The gentleman that I spoke with was knowledgeable, personable, and really on top of making sure I got the best deal that I could.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Amazing Jodie! Thank you for sharing your experience with us!

Jul. 16th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star_border star_border star_border star_border

Steven vergara Longmont, CO

It took nearly a month to complete the process due to Autopay sticking their foot in the middle of everything. What I thought would be a mutually beneficial relationship turned into a very one sided transaction. I had nearly no control over the process or access to the lender directly which is primarily the reason this took so long. Ashly was very helpful but I found that her timelines weren't accurate whatsoever and on TOP of that when I finally received my check it was misspelled. I'm aware this doesn't affect the ability to deposit the check but It seems Autopay is shouting ‚ they're unprofessional

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Hi Steven, thanks for your review, and the critique. Feedback like this helps us to improve, so we're very grateful. We'll be working with your loan specialist and our general process so we can be as accurate as possible with our timelines.

While most deals are wrapped up in just a week or so, some loans can take longer. When things take longer, it is generally because we are trying to make sure your paperwork is 100% in order so that no confusion happens once you leave our hands. I'm sorry we weren't able to complete the deal sooner in your case.

Please feel free to give us a call at 844-290-5731 so that we can receive more of your feedback.

Oct. 22nd, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Morgan Grace Bedford, IN

I had a fantastic experience with Noah! He was great with communication and overall very helpful and on top of things. I am very, very pleased with the service I received.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Amazing Morgan! Thank you for sharing your experience with us!

Jul. 16th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star_border star_border star_border star_border

Marvin J Jernigan Macks Inn, ID

There were many problems with paperwork not being correct (addresses not matching, etc) much of this was blamed on Penn Fed (new lender). The agent "Xin" claimed that he was in contact with my existing lender, they claimed to have no contact from him, someone is not telling the truth. The new lender Penn Fed has funded my loan (sent the check to Autopay), the existing lender has not received anything from Autopay after a ten day delay. So currently I am being charged interest on money sent from Penn Fed to pay off my car loan. My current payment is late to my existing lender. This late payment will negatively affect my credit score. No one seems to know where the money is. I am very frustrated that the process is not transparent. I am frustrated that the Autopay employee assigned to my "deal" seems to be less than forthright about what is going on in the process (either he does not know, he knows and doesn't want to say, or doesn't know how to find out). The interest rate reduction on the refinance is great. The process is terrible. If I had known what I was getting into I would have searched out a service that was better organized.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Hi Marvin, I'm so sorry to hear about this experience. I would love the opportunity to look into this and provide you with a clear answer as to where everything went, and what has happened. Please give me a call at 844-290-5731 so we can get this sorted out and provide you with a solution.

Oct. 22nd, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star_border star_border

Kristin Bellflower, CA

They promised me a fast loan, supposedly it's still in the works. They told me that I wouldn't have to make a payment for 2 months and then my current loan called and I'm late and it might ruin my credit, they should have told me that!

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Hello Kristin, thank you for sharing and we apologize for the confusion. If you would like to discuss the matter, we would be happy to help you resolve this. Please call us at 844-290-5731 when you are ready.

Aug. 6th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Cheryl Holloway Perris, CA

The application was quick and I got a response back to my questions very timely. And my whole process was very good and will definately recommend to other people I know.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Outstanding feedback! Thank you for your business, Cheryl!

Jun. 23rd, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Raul Espinoza Laveen, AZ

Because I was in need of refinancing my car which I they found me a bank within a few days n with excellent results so that's y I would definitely recommend them.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Raul, Thank you for your feedback! We appreciate your business.

Jun. 15th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Mary Meador Murrieta, CA

They worked very good with me. They gave me a really good deal with refinancing my car. It was so easy to send the papers they needed and stayed on top of everything for me.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Mary, We appreciate your business! Cheers, AUTOPAY!

Jun. 15th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Jennifer Guitron Concord, CA

Cole was amazing. Very professional, patient and took time to address any questions I had. The process took less time than I thought. I'm a very happy customer

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Jennifer, Thank you for your review and for choosing AUTOPAY!

Jun. 15th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star_border star_border

Carol Manning Tallapoosa, MO

I was extremely happy with the company n the rep asa long as we were wkg on getting a loan but as soon as the loan was signed n sealed its like our rep dropped off the face of the earth. I reached oua few times through txt n called but was never answered. We were just left hanging n i do appreciate that.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Carol, We strive to give the best customer service in the business. We obviously failed here. Please feel free to reach out to our escalations team for any follow up you may have. 8442905731

Jun. 8th, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star_border star_border

Michael R McGuire Hamilton, OH

Failed to keep me informed of the process of my loan. I was told I was approved for a redo then it would've days several days before I heard from them again then the terms would change. In the end I was satisfied but there was a REAL communication problem.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Michael, Thank you for your feedback. We will follow up internally and make sure we cover any issues that may have come up. We value all feedback and learn from each issue! Cheers, AUTOPAY!

Jun. 2nd, 2021

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Gavin M Conroe, TX

The process was pretty easy and the rep I talked to was really helpful and and very informative. Every question I asked was answered with a pretty detailed response

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Great feedback! Thank you for choosing AUTOPAY!

Jun. 2nd, 2021

check_circle

Review Source

star star star star star

Rob Baker Elkton, MD

The experience I had with Autopay was fantastic! From the start, Greg answered all my questions and was able to find an option for me that was very close to what I was hoping for. He was extremely helpful every step of the way and I cannot thank him enough for making this refinance seem so easy. Greg was also very polite and personable, which makes the entire process feel much more relaxed and not complicated at all. Thank you, Greg!

1 year ago

AUTOPAY Logo

Reply from AUTOPAY

Here at Autopay we believe communication is key. So glad you were pleased.

Nov. 16th, 2023

check_circle

Review Source

star star star star star

Aaron Gade Queens, NY

Ever since I bought my car I have been looking to refinance my car for a lower price but did not know how to go about it. I received a letter from Jody with a QR code and applied. Within hours I was out into contact with Jody and she immediately looked for my best option to refinance my vehicle and did most of the leg work for me. I am very appreciative of how easy Jody made this whole process for me!

1 year ago

AUTOPAY Logo

Reply from AUTOPAY

Awesome 5-star review. We love happy customers.

Nov. 16th, 2023

check_circle

Review Source

star star star star star

Enya Barnes Decatur, GA

Deliah T helped me tremendously through the car refinancing process! .This was my first time refinancing, and it was one of the smoothest and simplest processes that Ive honestly ever dealt with in regards to getting something similar to this done. All my questions were answered at a timely manner and throughly plus I honestly didn’t have do to much during this process over than provide simple information and just wait a couple days for the refinancing to go through! Plus she got me a great monthly rate and interest rate which I am thankful for!!!

1 year ago

AUTOPAY Logo

Reply from AUTOPAY

We love happy customers. Thank you for taking the time to leave this feedback.

Oct. 2nd, 2023

star star star star star

P Jones Lawrenceville, GA

Sooooooo very helpful ! Jaclyn was Amazing she was on top of everything every step of the way and her communication was amazing ! Would definitely recommend 10/10 ! Process was very fast and smooth I had a hiccup due to my end and she was able to assure me she would stay on top of everything as she did ! Got my new financing and I am certainly satisfied!

1 year ago

check_circle

Review Source

star star star star star

Walt Harrison Barberton, OH

The whole process from start to finish was completely easy there was absolutely nothing I had to do other than provide documentation they walked me through the whole process nami T was extremely knowledgeable and very very patient and she understood everything I was going through and she explained everything that I was going to go through thank you very much and I would definitely give Nami a five-star rating if I could give her more I would

1 year ago

AUTOPAY Logo

Reply from AUTOPAY

We love happy customers. Thank you for this review.

Sep. 1st, 2023

check_circle

Review Source

star star star star star

Alexander Lockley Kings Mountain, NC

Brandon, my loan specialist, was absolutely phenomenal. He communicated professionally and clearly through every step. He kept me informed of every change, need, a bit of progress. He offered realistic time frames based on his experience. He was kind, well informed, and a pleasure to work with. I highly recommend using Autopay and working with Brandon specifically.

1 year ago

star star star star star

felix soria Ansonia, CT

I loved how smooth the process took place! Thank you Matthew M for going above and beyond when it came to answering all my questions and concerns. Throughout my whole process of trying to find a better APR rate and a better monthly payment for an auto loan Matt was the person that helped guide me to that better APR rate, which is what I was looking for! Thank you once again Matt for your professionalism and overall taking care of my process. It’s been a pleasure!

1 year ago

check_circle

Review Source

star star star star star

orlando garrido Cape Coral, FL

This company really works,i recently received a very profesional care from Aaron H,he was very patient with me and help me in all process,english i͏s͏ not my mother lenguage but he was special consideration with it and talked very slow in all time,he also responde all my questions and was contact me in my free time to have time to solve my process,i really apprecciate it

2 years ago

AUTOPAY Logo

Reply from AUTOPAY

Thanks for the great review, Orlando! I'm so glad we could help.

Jan. 26th, 2022

star star star star star

Sonya Smith Gulf Shores, AL

The experience was amazing. Very easy, good communication, I was honestly impressed with how smoothly the process went. Can not say enough good things about Kyle. He was friendly, explained everything thoroughly, returned messages, texts and phone calls in a very timely manner, and was just all around great to work with. And the most important part, my interest rate dropped 10 points. Have already recommended you guys to a coworker.

3 years ago

AUTOPAY Logo

Reply from AUTOPAY

Great to hear we were able to help you save! Thank you for sharing your experience!

Nov. 19th, 2021

star star_border star_border star_border star_border

Jeffery Turner

This company sends you mail with all the right bells and whistles to get you to call and fill out a app. Offering 2.99% on refinancing all for show. I have around a 750 credit score and they decided over 8% would be what they could refinance at and add a year to the car payment. They are a joke

3 months ago

star star_border star_border star_border star_border

Patrick McKim

Simply put, this is a Bait and Switch operation. An advertisement enticed me to click and apply for significantly lower auto loan rate than we currently have. After hard credit pull that rate was only .50% lower as compared to 2% lower on advertisement! What a waste of time and hard credit ding!

3 months ago

star star_border star_border star_border star_border

Victoria

They told me I was approved to have my vehicle refinanced. The woman who was dealing with my application kept giving me the run around. She told me she would call to go over the terms. She never called. I called several times and all I got was voice mail. Nobody would help me because this lady was working my application. This place is a joke. Don't waste your time and try a reputable bank or just try to pay off your vehicle sooner. I would not recommend these people to anyone.

4 months ago

star star_border star_border star_border star_border

Mark

What a terrible experience! Submitted the application for a car loan – with in 30 seconds calls/texts from 3rd parties start calling to offer loans. 5 days after the application I get the most salesy call offering me 8.75% for 84 months. “Well you are not going to get an approval better than that” – What! I already have been approved for 5.75%, you all advertised 4.99% - Oh that isn’t available. A day later I get a denial letter. What a joke! This place is a scam!

4 months ago

star star_border star_border star_border star_border

TheFi5thElement

So I received a Pre-Approved Estimate Refinance Rate of 4.94% for 48 Months on my current Car Loan via Credit Karma. My credit score is over 800 and I make more than 6 figures with good work and credit history. After they did a Hard Pull on my Credit (which then lowers your credit score), I was told that I didn't qualify and that the 4.94% for 48 months was simply "JUST" an Pre-Approval Estimate. A total waste of time and an unnessary negative hit towards my Credit Score.

4 months ago

star star_border star_border star_border star_border

Creep Time

Terrible company to do business with. After beign "pre-approved" I received a "application canceled" email with a request for a down payment. Why would i want to do that? At the end, after following all the steps and having my credit stepped on by multiple random companies, I'm not enjoying what was promised regales of having good Credit and beign a great candidate. Stay away if you like your credit.

5 months ago

check_circle

Review Source

star star_border star_border star_border star_border

Anthony Liggett

Don’t bother with this company. They have a partnership with Credit Karma and recommend I refinance my Auto Loan with a lower APR showing an “Outstanding” approval odds based on my credit profile. After getting all my information, Auto Pay came back to me with some 8% APY and a much shorter term, which would only save me like $200. This was a big disappointment since there offer was for the same term as my current loan and a 6% APR. The loan officer I was working with was also condescending and rude. He kept trying to sell me extra products and loan insurance…. Not worth your time, I ended up refinancing with a company with more integrity.

7 months ago

star star_border star_border star_border star_border

Hyzers GR

This company loves to bait and switch. They entice you with lower rates via Credit Karma and then offer a rate nowhere close to what they are claiming. My credit score is 808 so it's not a matter of low credit. The agent tried to steer me to add certain things to the financing that I didn't want, and then questioned me if I even knew what gap coverage means. When I asked if I could put more money down he again tried to tell me well you can just pay the loan off early and "why would you even want to put more money down up front?" Maybe so I could have a lower monthly payment? He was condescending and then when I told him I wasn't comfortable with their terms he got angry and rhetorically asked me if I WANTED to stick with my current rate I'm paying. I would never accept an offer from someone who acted like that to me, especially not the one they switched to after baiting me to apply.

7 months ago

star star_border star_border star_border star_border

Linda Paul

I feel like this was a Bait and Switch company. I had a letter with my name and my current car payment. Since I have excellent credit I thought it would be an easy process to receive their new “quoted” payment which was $66 less per month. I spent an hour filling out the paperwork and sending copies of my life. The next day I get a call and say they can’t do that deal. It is for people in “other” states. Then why send to me? And what states? Their real rate was within a quarter point of where my current rate is. The reason I even acted was because it had a great BBB rating and I thought it was legit. No more doing loans on line for me.

7 months ago

star star_border star_border star_border star_border

Marissa Beach

Worst experience I've had in a while. Horrible communication, claims my application doesn't exist yet I sent screenshots of everything, only wants to communicate over phone if they decide to return my emails asking for updates, took almost 2 weeks of me emailing for an update as I keep records of everything, docked my credit 47 points for running their credit check yet AGAIN claimed my application didn't exist. Refinancing and even buying a vehicle doesn't make a credit score drop 47 points. So now they have my personal information and refuse to have any conversations besides one that isn't being recorded or via email for record keeping purposes.

7 months ago

star star_border star_border star_border star_border

Durrantula *

After receiving "Outstanding" odds of being approved for a lower interest rate car loan on credit karma through AUTOPAY, I clicked on accept and filled out all the forms, which ended up being a waste of time bc the agent Taffy just asked me all the same info again. After 5 days, she sent a fragmented text stating she couldn't "secure an approval that would help my financial" end. I asked if I would be receiving any information as to why, NOTHING. All I received from this offer was a -6 point drop in my credit score and horrible customer service from an agent with a cartoon name. NOT WORTH IT!!!

7 months ago

check_circle

Review Source

star star star star star

Jackson

Autopay I like it because its process was very quick and smooth . I also offered the best rate compared to other companies and am very happy with their service.

8 months ago

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Denise Jacob New Baltimore, MI

They have great customer service.Desiree was very easy to deal with.Not at all high pressure but understanding. I would work with her again.

2 years ago

AUTOPAY Logo

Reply from AUTOPAY

So glad Desiree was able to help you Denise. We will be here when you need us again. Thank you.

Sep. 15th, 2022

check_circle

Verified Customer

check_circle

Review Source

star star star star star

Shannon Ross Franklinville, NY

They were friendly and helpful.. helped with any questions I had they reduced my payment and saved me a lot in interest.

2 years ago

AUTOPAY Logo

Reply from AUTOPAY

Awesome Shannon! We love happy customers.

Sep. 15th, 2022

check_circle

Verified Customer

check_circle

Review Source

star star star star star

KIMBERLY BLACK Tyler, TX

super friendly and helpful. loved working with George he was super responsive and kind. Never missed a beat even when he went on vacation.

2 years ago

AUTOPAY Logo

Reply from AUTOPAY

Great review Kimberly. Glad we were there for you. I will pass along your kind words to George.

Sep. 15th, 2022

check_circle

Verified Customer

check_circle

Review Source

star star star_border star_border star_border

Jason Reis Fostoria, OH

I was talked in to a warranty contract that I didn't need and now have to go through canceling it on my own and then stuck with the higher payment and interest of it being applied to my loan when the warranty that I already had was way better and already included

2 years ago

AUTOPAY Logo

Reply from AUTOPAY

Thank you for the feedback Jason. I will be reaching out to you in hopes of getting a better understanding of this.

Sep. 15th, 2022