Complaints

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

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• 

  Kemper Corporation

  200 E Randolph St Sutie 3300 Chicago, IL 60601-6436

  
• 

  Kemper Life

  400 Penn Center Blvd Ste 311 Bldg 4 Pittsburgh, PA 15235

  
• 

  Kemper Life

  135 Merchant St Ste 250 Cincinnati, OH 45246

  
• 

  Kemper Life

  23215 Commerce Park Ste 310 Beachwood, OH 44122

  
• 

  Kemper Life

  12926 Gran Bay Pkwy W Ste 100 Jacksonville, FL 32258

  

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.

• Initial Complaint

  Date:12/14/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 victim of hit and run, and Kemper is liable for the damage. Unlike most major insurance carriers, the company asks the accident victims to pay for rental and submit receipt for reimbursement. The rental was extended to 45 days, but the insurance would pay me back for only ************************************* my vehicle to be released:1. The shop sent repair quotes to Kemper, but the person in charge did not respond to the quote for more than 14 days. The insurance admit this mistake of own.2. The insurance sent the last payment on October 28th to the shop. The shop was informed by Kemper that the payment was not being sent to the shop. (the payment was eventually received on November 11th.) The shop would have to receive a sort of confirmation of the payment or tracking number in order to release the vehicle. The shop attempted to contact every other business day to get a confirmation, but the insurance did not communicate with me or the shop. The shop did not hear anything until a couple of days before November 11th, that they payment was sent (still without any confirmation and tracking number provided). Because the insurance was not communicative for more than 40 days, The shop only could release the car on the day they received the last payment.3. I forwarded the rental receipt the day my vehicle was released on November 11th. I inquired 11/22, 12/1, 12/9, and 12/13 just to get any feedback from Kemper. The Kemper representative failed to communicate with me, and finally denied my reimbursement request today on 12/14.They are liable for the whole rental period because the extended rental was caused by the insurance.

  

  Business Response

  Date: 12/19/2022

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

• Initial Complaint

  Date:12/14/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 December 3rd I was involved in an car accident with a person who is insured with Kemper insurance. I am trying to get my car fixed, but here is an order of events Kemper insurance is telling me they issued a check, which is about half of what it would cost to fix the vehicle 1st body shop that I went to refused to work with Kemper insurance as they are not covering the cost of repairs 2nd body shop, which is the *** Dealer, my car is ***, told me right away that they work with all of the insurances, but three, and Kemper is one of them. I am trying to get a hold of my adjuster, but not getting call back I am trying to get a hold of the Supervisor, but that person is unavailable as well

  

  Business Response

  Date: 12/21/2022

  Good afternoon,

  Please see our attached response for file 18574864.

  Please let us know if further assistance is needed.

  Thanks,

  Regulatory Administration
  2201 ********************************************************************
  ************
  ***************************************************************
  

• Initial Complaint

  Date:12/13/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Filed a claim on 12/4, was told I would hear from an adjuster in 1 business day and was given no confirmation email or claim number as a result of this call. I called again 12/6, and my number was recognized in the system as being associated to a claim with an adjuster and directed me to the named adjuster, but this went to voicemail mail. I left a message with my information and did not receive a call back. I called again 12/9 went to voicemail again and on the second attempt, decided to let it connect me to a new agent and that agent never said my claim number out loud, saying a text was sent to my phone and that it may take a while to come through (it was never received), then directed me to the adjuster, which again, went to voicemail. I called again yesterday, 12/12, 7 business days after I was told I would get a call, and informed the adjuster's voicemail I'll be taking legal action. After calling a lawyer, I received a voicemail today from a new name at Kemper, not the original adjuster, telling me they didn't have enough information asking me to call their extension. This is either a situation of poor case management training or a strategic business practice to avoid paying claims. Either way the business needs to take action, retrain employees (don't give 1day SLA if you can't meet that) or correct their unethical business practice.

  

  Business Response

  Date: 12/19/2022

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

  Customer Answer

  Date: 12/21/2022

   
  Complaint: 18569038
  
  I am rejecting this response because:

  I was told by the intake agent when I initially filed the claim(12/4) that an adjuster would contact me within 1 business day. When that didn't happen, I called and left a voicemail with the assigned adjuster per system routing on 12/6 requesting a call back. It wasn't until I left a voicemail with this same adjuster on 12/9 threatening legal action, that a supervisor contacted me requesting the additional information.

  
  

  Satisfactory resolution would require the business to address why I was not contacted within 1 business day to gather this needed information from the originally assigned adjuster.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 12/28/2022

  Good morning,

  Please see our response for file 18569038. 

  Please advise if further assistance is required.

  Thanks,

  Regulatory Administration
  2201 ************************************************************** 35203
  ************
  **********************************************
  

• Initial Complaint

  Date:12/12/2022

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 purchased Kemper Auto Policy # *********** on 10/06/2022. The policy was to start on 10/24/2022. Since another provider offered me a better policy, I canceled the Kemper policy on 10/10/2022. I was told that I should be receiving my refund check in the amount of $1030 shortly. I waited for 1 month but have not received any checks from Kemper. I called them multiple times spending hours on the phone and every time was told to wait some more. On November 18, 2022, since there was still no check, I called them again and they told me that theyll reissue the check and that I should wait another 3 weeks to receive it. So, another 3 weeks passed by but there is still no check. I called them again and heard the same old story, that they mailed a new check 3 weeks ago, that I should wait another week and call them again to re-issue the check if it does not show up. The story seems to repeat itself over and over again I asked their manager to use a trackable expedited mail service to finally deliver the check or make the check available at the local Kemper office for pick up, but they told me that is not possible and the only thing I can do is to continue waiting and calling. This is ridiculous, it takes them seconds to take our money, and then it takes months (or years?) to get the money back from them.

  

  Business Response

  Date: 12/21/2022

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

  Customer Answer

  Date: 12/22/2022

   
  Complaint: 18560078
  
  I am rejecting this response because:

  
  I asked for a credit card refund when I cancelled the policy in October and was told that it is absolutely not

  possible since it was a one time transaction and Kemper does not keep credit card information on file,

  and that their system can only issue checks for cancelled policies.

  
  

  I would gladly accept the credit card refund now, but unfortunately it is no longer possible as that credit card

  account was recently closed.

  
  

  I can provide my bank details for an ACH transfer or  please kindly re-issue the check and send it via trackable mail.

    

  Sincerely,
  
  *********************

  
  

  

  Business Response

  Date: 12/30/2022

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

  Customer Answer

  Date: 01/07/2023

   
  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,
  
  *********************

• Initial Complaint

  Date:12/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  We have an auto insurance with KEMPER Insurance (Policy #**********)The insurance term is from 09/12/2022 to 03/12/2023 and we have paid the premium ($315.00) in full and in advance.We got an email from Kemper last month that our rate has changed from $315.00 to $1,303.66 with a Charge/withdrawal date: 12/01/2022. Kemper made a withdrawal of the difference from my Bank card stored in their file and without our authorization. The change in the rate was applied retroactively from the date our policy started and with immediate effect. I also discovered that we are signed for automatic payment without our authorization. Kemper did not provide any reason for the rate change. I tried to reach Kemper several times - directly and through our agent in **************, GOOSEHEAD INS AGENCY LLC, but we did not get any answer from both companies for more than four weeks.KEMPER INDEPENDENCE INSURANCE COMPANY ******************************************************************************** Insurance Agent: GOOSEHEAD INS AGENCY LLC *********************************************** Thank you Hibh ******************************* *******

  

  Business Response

  Date: 12/21/2022

  Good afternoon,

  Please see our attached response for file 18559867.

  Please advise if further assistance is required.

  Thanks,

  Regulatory Administration
  2201 ********************************************************************
  ************
  ***************************************************************

• Initial Complaint

  Date:12/10/2022

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  My Father died this year in 2022, and he had a life insurance policy with Kemper Life. I was told by a representative that my father had a life, and accidental policy, and that they needed a death certificate in order to process the claim. I mailed it and paid $26.00, and I wrote a letter asking them to mail it back when they are finished. The company promised to mail it back. They then wrote another letter asking for the coroner's report. I emailed the coroner's report. They told me that my father had an accidental policy only, and because he died of natural causes, and not due to an accident, they could not pay me anything even though I was told that it was a regular life and accidental policy. I asked if they could mail my father's death certificate back, and they told me they shredded it, and I was so upset, I cried because that was my only copy. My Dad paid that life insurance policy for over 12 years thinking that it would cover him if he passed, and they just treated us like we were nothing but a number.

• Initial Complaint

  Date:12/09/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  This insurance company cancelled my insurance policy # ********** in June of 2022 without my authorization. I had my account set up on autopay to have my insurance removed from my account monthly payment of $121.24. Blend insurance and Kemper both notified me that as of December of 3 we would no longer have home or car insurance and we needed to find another company because they were no longer servicing our state. We proceeded to find another company to insure us. On December 5th, 2022 Kemper removed $722 from my bank account. I contacted kemper that same day to find out why they were charging me this money. I was told by *********************** Supervisor from Kemper that she was looking into the matter and not to worry as she would find a resolution and she would get us a refund and any changes from the bank need to be sent directly to her at ********************************** She said she would call me the following day which she did. On 12/6/22 ***************** called me and apologize to me multiple times stating Kemper had made a mistake and cancelled my insurance back in June 2022. This was not caught until December of 2022. It was sent to underwriting and underwriting approved them to remove the $722.00 from my bank account. I did not get a call or a notice stating that they would remove $722 from my account. This was done without notification. I was not covered from 6/2022-12/2022 because of there error. I requested to receive my money back and they keep giving me the runaround and told me to contact blend Insurance. I contacted blend and they agreed that this was an error that Kemper made and they need to resolve it. If i would have been involved in an accident between that time i would not have been covered. At that time they violated our business contract and I want my money back and will not do business with this company again. If this issue is not resolved I will be contacting my attorney. Notice and bank statement attached.

  

  Business Response

  Date: 12/20/2022

  Good afternoon,

  Please see our attached response for file 18552444.

  Please let us know if further assistance is needed.

  Thanks,

  Regulatory Administration
  2201 ****************
  **********, ** 35203
  ************
  ***************************************************************
  

  Customer Answer

  Date: 12/20/2022

   
  Complaint: 18552444
  
  I am rejecting this response because: My husband and spoke to *********************** supervisor on 12/16/22 from  

  Kemper and have been told that there is no resolution for us they would try to reach out to the agent but no promises were made.

  She told us that most likely we will not be receiving a refund. I have not heard from them since. They were suppose to get back to me on Monday 12/19/22.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 12/28/2022

  Good afternoon,

  Please see our attached response for file 18552444.

  Please advise if further assistance is needed.

  Thanks,

  Regulatory Administration
  2201 ********************************************************************
  ************
  ***************************************************************

• Initial Complaint

  Date:12/09/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 11/24/2022 the insured party backed out of his driveway unsafely and plowed into and totaled my ********* ********* number is xxxxxxx cdl xxxxx. After my aaa advised me that Infinity insurance covered this man they gave ********************************* extension at Kemper Insurance ex xxxxx. I was promised by a phone agent a return call on 12/05/22. No Call. Now after calling every extension, every supervisor Kemper has IGNORED my claim for 11 working days. I have been injured, my car is totaled and the *** saw the cars, advised us, I need this claim expedited. I am a caregiver IHSS for my disabled adult conserved autistic 27yr old Epileptic Daughter. I don't have time to run around calling *******, ***********************, ************************* , ***********************, ***********************, *************************** and the rest of the 'team' to do their jobs. It is time that these people address my Claim and get this resolved.

  

  Business Response

  Date: 12/19/2022

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

• Initial Complaint

  Date:12/08/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Claim Number ********** Policy Number 12AU001535765 Name is ***************************** Kemper is FRAUD August 14 2022 my car was hit by your insured vehicle *********************** Policy Holder He told us his car was insured. I have been very patiently waiting for your company to correct their fake investigation for this insurance claim but I keep being slapped in the face.The false pretenses your employees give regarding investigating claims are just unheard of. After dealing with your very nice adjuster ******************** was told I would get a call from a Kemper associate I got a call from ***********************. As I was speaking with him, I decided to add my mother to the call. I was explaining to him what occurred during the car accident. However, he did not want to hear my side. He informed us that (*********************** Policy Holder) reported his car stolen to the insurance company a day or two before my claim was submitted. He then stated therefore your claim will be denied. We then asked did he have a copy of the police report. He replied no we just go by what (*********************** Policy Holder) told us. I told him it was all a lie. The officer asked ******* multiple times if his car was stolen and he replied NO!! *********************** said his decision was final and the claim is denied. I then asked if it could be escalated since there was not a real investigation done by Kemper? He replied my decision is the final then hung on. Later I called headquarters. I filed a formal complaint with your company. I then got a follow-up call by the one and only ***********************. It was my mother and I speaking with him but this time he seemed to understand he needed to do his job. We informed him of the video that ********** had the police report and the officers name and contact information.My mother and I spoke with the officer a few times. *********************** said he was sending out an affidavit to (*********************** Policy Holder) and trying to reach him by phone. (Nothing came of this) More and more time had passed my mother called and spoke with *************************. She stated she was in charge and need time for her new investigator to assigned to the case now. My mother gave her the contact information for ********** information including the email address for the recording, the contact information for the officer. As time was passing, I tried to obtain a Subpoena downtown for the recording but I was told I would have to file a claim against the police report but the insurance company will be able to get it so I left it alone. Later I spoke with the new investigator I forgot her name but her contact number is ************. She stated she had been trying to contact (*********************** Policy Holder) and the officer. (I called the officer and informed him once again Kemper will be trying to contact him) My mother received a call back from ******* about the case after a message was left on her voicemail. I was informed that the (*********************** Policy Holder) told them Kemper to leave him alone and he was being harassed. She stated they werent able to obtain the video footage of the accident because it had already expired. She also said that now since he does not want to participate in the investigation this might mean they will have to deny the claim. Now at first the claim was denied because the car was falsely reported stolen to Kemper and now since the (*********************** Policy Holder) knows that he was lying and doesnt want to corporate the claim is denied!!! Lastly I was unable to reach ***********************************. I gave a recorded statement to your investigator. I have been patiently waiting but your investigators are not doing their jobs. How is it I can contact the officers but they cannot? Why didnt they get the video footage before it was no longer available after being told repeatedly where to get it? I am a victim with your insurance company and you rather not pay my car off as you should but Im going to consistently keep bringing this issue to your attention.

  

  Business Response

  Date: 12/15/2022

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

  Customer Answer

  Date: 12/19/2022

   
  Complaint: 18543583
  
  I am rejecting this response because: Your Company didn't investigate when the claim was first brought to you. You denied this claim stating you policyholder informed you his vehicle was stolen. With the policyholder telling you his vehicle was stolen you denied the claim them. After I contact your headquarters is when you decided to look into the case again. Meanwhile if your company investigated the first time you would've had the video footage which was told you before the first claim was denied. At this time I will be retaining an attorney to *** the insurance company and policy holder.   
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 12/22/2022

  Attached is the response to the 12/21/2022 follow-up.

• Initial Complaint

  Date:12/08/2022

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 insurance cancelled car insurance policy over a questionnaire that had to be answered by a deadline that was sent thru regular mail!!! Not even certified to be sure we received it ! We never received the questionnaire and as a result they cancelled car insurance policy ! We had no idea until we noticed our payment was never taken from bank. Account! We also never receive cancellation notice nor did they try to reach us any other way ! We spoke to someone at Kemper and also our broker ******* in ***** **. And no one can help us !

  

  Business Response

  Date: 12/19/2022

   

  Hello *************************, 

  Thank you for taking the time to write a review about your experience. We're sorry to hear about your negative experience.

  
  It's definitely not the experience we want anyone to have. We would like to assist you further, but are in need of further information. 

  
  We have sent you an email and will await a response.

   

  Thanks