Hello to the community . I have the same issue as others with my devise. 
My s22 ultra went out of warranty and insurance on July without me noticing it. I'm still paying monthly for that device through samsung finance. 10 days before this, the phone done some update and went to a boot loop. I've tried everything to restore it without any luck. 
I've sent my device to a Samsung repair center. 
I informed them what happened with the phone and after a while I received a message from them saying that I needed to pay 276£ for the repair of my phone. I've payed the money cause I didn't had any other choice.

When I raised a complaint about it the answer that received was that my phone was out of warranty and they had to charge me. When I told them that it was their update that caused the problem and they answered that they weren't able to detect if an update caused the problem so they told me to have a nice day and take care. 

I'm absolutely disappointed. I've bought 4 samsung phones and watches for me and my family paying a lot of money and their solution for this was to charge me for a problem that they caused with the update. I don't know what to say. They are unbelievable.