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Business Profile

Insurance Companies

Kemper Corporation
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for Kemper Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 646 total complaints in the last 3 years.
    • 150 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/28/2024

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 5/3/24 they canceled my insurance policy claiming they sent legal notice to my old address asked them why they sent to my old address they told me I never updated it although they have by the notes that I told them a year ago that I'm moving to a different address they even have the new one on file now they don't want to reinstate my policy claiming it's my problem that I didn't receive the notice!!!

      Business Response

      Date: 06/05/2024

      Good afternoon,

      Please see our attached response for file 21767491.

      Please advise if further assistance is required.

      Thanks,

      Regulatory Administration
      **************
      ********************
      ************
      ***************************************************************

      Customer Answer

      Date: 06/06/2024

       
      Complaint: 21767491

      I am rejecting this response because:

      There representatives should have told me they can't update the address for me. by telling OK we made a note they accepted the address change 
      In fact the supervisor I spoke when 
      Sincerely,trying to resolve told me she can see a note of my new address 

      And BTW I was b9rn 2001 so can't be they sent all letters since 2001??

      *******************************

      Business Response

      Date: 06/12/2024

      Good afternoon, 

      Please see our attached response for file 21767491.

      Please advise if further assistance is needed.

      Thanks,

      Regulatory Administration
      **************
      ********************
      ************
      ***************************************************************

    • Initial Complaint

      Date:05/24/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am urgently writing to address errors on my credit report caused by sharing my personal information with credit bureaus, resulting in significant financial and emotional distress.According to 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to be kept confidential.Additionally, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I have not given.The discrepancies related to KEMPER SPECIALTY ********** have negatively affected my financial situation and require immediate correction.Furthermore, compliance with 15 USC 1666(b) is essential, as it prohibits creditors from treating credit card payments as late under certain circumstances.For your reference, here are my account details:Account Number: 7633****I urgently request a thorough review of my account, prompt correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*********************************

      Business Response

      Date: 06/07/2024

      Please be advised that we emailed the complainant on May 28, 2024, requesting additional information. We have been unable to locate a claim or policy number for ********************. 

      As of today, June 7, 2024, we have not received a response to our request.  

      If ******************** is able to provide us either a claim or policy number, we will be happy to submit his complaint to the correct department for assistance.

      Best regards,

      Kemper Insurance Company

       Regulatory Administration 

      ***********************************************************************************************

    • Initial Complaint

      Date:05/15/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I got rear ended by one of Kemper insurance clients on 3/20/2024, they accepted fault by the end of the week. Was told an estimate and check had been mailed to me from the adjuster, got the estimate $2600 and it was all used parts from a salvage yard. Going back and forth with the adjuster for the and he tells me my truck is used I get used parts. Got my own estimate done and it came out to $9400 before any hidden damage. Kemper does not feel like they need to pay full amount to get my truck fixed the right way, with new parts. My truck has never been in an accident and had no damage prior to this happening

      Business Response

      Date: 05/29/2024

      Hello,

      Please see our attached response for file 21717010.

      Please advise if further assistance is required. 

      Thanks,

      Regulatory Administration
      **************
      ********************
      ************
      ***************************************************************

    • Initial Complaint

      Date:05/12/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Kemper insures the other party involved in my car accident. I have left several messages to different adjusters (I have escalated to management) and there has been no reply. They do not call you back, and make it impossible to complete a claim. I have left more than 10 messages for a return phone call to complete the claim since my accident in December 2023.

      Business Response

      Date: 05/21/2024

      Please see the attached response for file ********.

    • Initial Complaint

      Date:05/08/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Thank you for your attention and consideration during this challenging time. We have approached this claim as expected: filing with the insured's provider, selecting a repair shop, and facilitating a thorough inspection and teardown. Unfortunately, despite these efforts, we have encountered significant issues with Kemper Insurance that have contributed to unnecessary stress and financial burden.After the initial inspection, the repair shop reported the cost, but Kemper's actions have hindered progress. They initially claimed that an on-site inspection would be conducted to confirm the quote, yet no inspector appeared. Subsequently, Kemper debated the quote based solely on pictures, without a real inspection. Efforts to escalate the issue by reaching out to management were futile; Kemper provided incorrect contact numbers and failed to respond in a timely manner. This delay, caused entirely by Kemper's lack of cooperation and mismanagement, unfairly burdens me, the victim of the accident.Furthermore, Kemper has repeatedly blocked and delayed the repair of our vehicle, affecting even minor supplemental requests by the auto body shop over trivial amounts like $75. Additionally, their coverage only partially reimburses our prepaid rental expenses for a limited period. This situation has prolonged the repair process, and the vehicle remains unrepaired.We kindly request that Kemper expedite the reinspection of the damage and actively assist in moving the process forward. Our goal is straightforward: to have the vehicle repaired and to receive compensation for its diminished value so we can resolve this matter.We appreciate your immediate attention to these concerns.

      Business Response

      Date: 05/17/2024

      Hello,

      Please see our attached response for file 21681883.

      Please advise if further assistance is needed.

      Thanks,

      Regulatory Administration
      **************
      ********************
      ************
      ***************************************************************

    • Initial Complaint

      Date:05/04/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have been with this company at least for the last 3 years. Commercial, personal and SR22 policies. Just 1 accident, no response till a month and a half later and only offer $434 to my fix my work van. I try to cancel my personal policy 4/12/2024 they mention a refund of $90 dlls. Never received, instead they charge me the following month $319.60. They never have clear answers, agents never available. It's very frustrating.

      Business Response

      Date: 05/15/2024

      Attached, please find the submitted response letter for this complaint.

    • Initial Complaint

      Date:05/03/2024

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a policy with Reliable Kemper Life Insurance Company. I gave my agent ********** **************** my $117.50 cash premium payment on March 1st 2024. Chrisantus **************** pocketed my cash and bought his kids groceries with my $117.50 premium. He collected the money and did not post it in my ledger. I complained to managers ******************* ************ and manager ********************* ************ ..corporate # ************.. they cursed me out using profanity on the phone. I need them to cancel my policy and Refund my $117.50. I made February payment on 2/22024 Chrisantus **************** didn't post it until 2/29/2024. He spent my cash. He stated the first premium had to be cash. ********** spent my February payment and spent my money until he could replace it at end of month. Chrisantus **************** never gave me a copy of my policy. He scribble all over my account ledger. Reliable Ke.per Life Insurance Company is a scam they prey on the senior citizens and disable and will not pay off in case of death. I had a policy with Reliable Kemper Life insurance last year but it lapse after 3 months. Reliable Kemper Life insurance company office is located ************************************************************************.

      Business Response

      Date: 06/05/2024

      See Attachment

    • Initial Complaint

      Date:05/01/2024

      Type:Sales and Advertising Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      A driver insured by Kemper (dba Infinity Idemnity Insurance Company) failed to stop at a red light, and collided with our vehicle (Claim Number ***********.) After the repair, we received two appraisals which concluded that the value of our vehicle was diminished by $3000 as a result of the accident. Kemper has denied our diminished value claim, stating that its only responsibility was in repairing the vehicle. In addition, Kemper has not settled the personal injury claim to which they agreed. We have resisted in hiring an attorney, opting to try to settle this ourselves, but Kemper has not been dealing with us fairly.

      Business Response

      Date: 05/09/2024

      Attached, please find the submitted response letter for this complaint.

    • Initial Complaint

      Date:04/25/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was involved in a car accident on December 15,2023. The other driver was found at fault and was issued the citation. I got in contact with his insured company Kemper. Upon contact I was instructed to submit photos of the damages caused by said driver. I submitted the photos and shortly after received a check in the amount of a little over $1200. No further contact from Kemper. I contacted them again and asked how are you sending payment based off pictures of damages and informed them o would be taking my vehicle to Classic Collision in ************* for and actual estimate of damages. I took my car on February 28th and my car has been there in pieces since. The collision center sent the actual cost of damages and repairs to the insurance company and they initially agreed on cost and then later recanted. Every time I attempt to contact the company I get no answers and excuses. Each company pointing the blame at one another. I am in a rental provided by Kemper but was just informed Monday by the rental company that Kemper did not extend the rental past 4/15/24 and that all additional charges are on me which is not fair as my vehicle is still sitting in pieces at Classic. They are trying to make me pay for damages when their driver was at fault. The insurance agent ***************************** hasnt been much assistance and when trying to reach her manager or supervisor they never contact me back. I would like for my car to be repaired and returned to me and for them to do their part and cover the cost incurred by their neglect driver.

      Business Response

      Date: 05/07/2024

      Please see the attached response for file ********.

    • Initial Complaint

      Date:04/23/2024

      Type:Product Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hi , I insured my vehicle through Karloz Registration and Insurance, in *********, **. They insured me with Kemper Auto. I then sold my Car and cancelled my service August 21, 2023. On November 21, 2023 I received a charge on my credit card for $155.89 of Kemper Auto Insurance and did not have a vehicle to insure. I called Karloz Registration and Insurance to assist with the refund and they tried all these months without success. I have exhausted all options and I given them plenty of time to refund my money . So now I ask the BBB for assistance. Thanks ahead of time.

      Business Response

      Date: 05/02/2024

      Attached, please find the submitted response letter for this complaint.

      Customer Answer

      Date: 05/04/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *************************

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