Business Profile

Insurance Companies

Kemper Corporation

Complaints

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

Customer Complaints Summary

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

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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:09/24/2022
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.
Kemper insurance denied a claim of mt stolen vehicles because theif did something to it the same time they wws joy riding in it. Saying car malfunction from codes 15 minutes before i called the cops. Note I was just driving my car that day and prior without any problems. There reason is based on after the car was stolen. So just cause the theif took my car and did something with it they denied the stolen car claim and leaving me with nothing.I also have receipts and locations of me driving the car that day before theft happened. This was all provided to there lawyer during ***** Oath. Any prior damage was told to company's adjuster when ***** came out for a statement and both keys with a recorded device on site.
Business Response
Date: 10/04/2022
Attached, please find the submitted response letter for this complaint.
Initial Complaint
Date:09/20/2022
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've been using these guys for auto insurance. Everything was fine until my wife's cousin came to visit us from ****** for 3 mos. I called Kemper and asked them if I could add him to our policy for only 3 months. They said,no problem, quoted me a new rate, and told me that when he leaves call them back, they will take him off, and my policy will go back to how it was. So I added him on, paid the extra money, and after he left I called them back up as they instructed and had him removed. The next month they still billed me for him. I spent an hour on the phone, they said they'd issue me a credit and the rate would go back to normal. Same thing happened again the next month. I spent over an our on the phone, spoke with a supervisor, they said apologized for the error happening again, said it won't happen again and issued me another partial refund. They have now overcharged me for a 3rd month in a row. I have lost hours of time dealing with this incompetent company. They also told me without the error, my rate won't go back to exactly what it was. They NEVER told me that before I temporarily added him though. If they would have I never would have added him. These guys are extremely unethical and unprofessional. They are a nightmare to deal with. This time I just did a stop pymt on the *** debit. I'm not going to keep playing this game with these jerks. It has cost me A LOT of time. BTW, he had no accidents in the 3 months, so not only did they pocket the extra money, they're still trying to rip me off.
Customer Answer
Date: 10/07/2022

Complaint: 18054683

I am rejecting this response because: Kemper has made no assurance to me in their response that the billing error will not continue to occur. They didn't even apologize for the billing error month after month. Above that, my monthly payment was $219.48 before temporarily adding another driver. When I added the temporary driver Kemper conveyed to me that once I have him removed from the policy that my billing will go back to normal. They misled me. Now that I have removed him they want to raise my monthly bill to $273.66. That's when they're not billing me incorrectly on top of that. Completely unethical and I do not accept their response.

Sincerely,

**************
Business Response
Date: 10/17/2022
Please see the attached follow up response for file ********.
Initial Complaint
Date:09/19/2022
Type:Billing 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.
Since 2018 I have been trying to close my account with United Insurance now Kemper and I was told there were going to send me a paper and they never did and when I call the number listed for the company it either just rings or goes to voicemail . They are charging me a recurring fee of $64.88 monthly and I explained to the supervisor and the agent handling my account when they physically came to my house that I wanted to cancel and needed to cancel and that was over 3 years ago. I last tried to get in touch with someone in August 2022 and still no one answered the telephone
Customer Answer
Date: 11/15/2022

Complaint: 18048945

I am rejecting this response because:
Good morning! I am asking that this complaint be reopened as soon as possible. I closed the case because of the fact after speaking with the lady from Kemper Life that the matter would be resolved with the policy being closed immediately and that still has not happened yet. Matter of fact I have received two bills since this conversation. They stopped taking it out of the my account but they are now sending me paper checks. When I called about this, I was told to ignore it . But now have received a double bill from the month prior.
I also have been dealing with *********************** who is my district manager
By email (ttullous2kemper.com, cell phone *************) and office ************). Below I have listed the dates and times I have had contact with him or tried to reach him
10/4 out going (me calling him) 9:46am 7 minutes 40 S
10/5 outgoing (me calling him) 9:04am 1m 7s
10/5 Incoming(him calling me) 9:27am 59s
10/17 Outgoing 10:56am 57s
10/17 Outgoing 1:55pm 41S
10/20 Outgoing 2:37pm 43S
10/24 Outgoing 9:45am 2m 16s
10/26 Outgoing 1:48pm 33s
11/11 *************** call to ************ 9:48am 2m 26s-had they could not find **** to call back at 11:30am
11/11 Outgoing call 9:58 am no answer
11/11 outgoing 11:30m-no Answer ..called cell phone no answer got a text msg from **** that said he would call me right back
11/11 Outgoing 11:53m called and was told he didnt answer his line but gave receptionist a detailed message and said someone should get back to me by the end of business today with answers
Communication by emails
10/5 sent over cash surrender forms and they were signed and sent back
10/20 Me sending him email because my sons still have not received checks from cash rendered forms
10/24 me emailing out about following up on conversation from that morning asking for next steps
10/25Me sending him email on why I am receiving bills
10/28 **** sent me and my sons Docusign letters for cash render forms
10-28 -Sons signed Docusign and submitted to ****
10/28 **** sending he received for Docusign and sent them to corporate
11/9 Me Sending him email on still receiving reoccurring bill that has now doubled

I dont find it fair I have been going though this and then to be told that although they have been taking the money out of my account all these years that the cash rendernce checks have to go in my Sons names because they are grown. Even after I disputed it , I was told nothing could be done. Now Its taking so long to even issue them the checks was told the whole process would take 2 weeks but after calling customer service today 11/11 at ************ that they first said they had not received the forms then when I mentioned ***** name then one appeared but not two. Then there was an address they said needed to be changed on 1 form but not the other. The address they had was over 4 years old and I explained it should have been changed same time the other one was to the **** ***************** address she said she couldnt do it but I could call the local office and they could do it so I had to call back again and **** was not available but the lady who answered changed it to the correct address.

Sincerely,

*************************
Business Response
Date: 11/23/2022
The documents have been received and are being processed. To confirm all policies she is referring to, she will need to provide policy numbers and/or names and dob of insureds. Thank you.
Business Response
Date: 12/06/2022
************** will need to allow time for the U.S. ************** to deliver the checks. Those in fact are the dates the checks were mailed. We have no control over the Post Office's delivery time. Thank you.
Customer Answer
Date: 12/06/2022

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:09/19/2022
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 June 21, 2022, I was rear ended by Kemper Corporation (Auto)'s customer. They provided an estimate amount, and mailed me a check. Once I received the check, I was able to schedule repairs with ****** **************** in *******, **. My car was at ****** from July 18th until August 26, to which I needed a rental car. The total amount for the rental car was $1,423.96. Kemper would only reimburse me $823.96, as they stated that the additional 23 days was from the car sitting in the shop waiting for parts, to which they supposedly don't cover. I contacted ****** and spoke with ***, who advised that the car was being fixed, and additional parts had to be ordered since it was undrivable. Not to mention they had to wait on supplement from Kemper. I contacted the supervisor of the claims advisor, who declined to reimburse my $600, and agreed to only $250. I declined, as this is VERY UNFAIR. Their client hit ME, not to mention I had an infant in the car as she did. Her reasoning for hitting me was, "She didn't see me" and that "She doesn't drive this car much, as they only got it 4 weeks ago". I forwarded the email from Bairel to ****, the Kemper Claims supervisor. **** feels that they were being fair by calculating the amount of days for the car to be fixed, however it is NOT fair. I didn't ask to be hit by their client, nor was it my fault that it took extra time to be repaired. I feel they are holding me not being a client with them against me. Bairel ****************--*******************; Shop Manager--************ Kemper Advisor: *****************************--************, ex: *******; email is ******************************** Kemper Advisor Supervisor: *********************--************; ex: *******; email is ********************************* Claim #: ***********
Business Response
Date: 09/26/2022
Good afternoon,
Please see our attached response for file 18047339.
Let us know if further assistance is needed.
Thanks,
Regulatory Administration
2201 ********************************************************************
************
***************************************************************
Customer Answer
Date: 09/27/2022

Complaint: 18047339

I am rejecting this response because I don't feel that it's justifiable. Kemper Insurance's customer hit me, and I'm now deemed responsible for paying for something that I needed (rental car) in order to get around with my infant daughter to her appointments (who was in the car when we were hit, by the way).

How in the world is it fair for me to pay for something that's out of my control? How was it my fault, or **********************'s fault that they had to wait on parts since the original estimate wasn't enough to fix my car due to the damage done to it? ******************* wrote in his email that it wasn't drivable, as they were waiting on parts!

Of course I declined the $249, because I'm owed $600.
Please call ******************* at ****** ************************** and speak to him further about time lines. He mentioned that in his 30 years, he has never experienced an insurance company giving a hard time. Kemper's client is responsible, and therefore $600 is owed to me.

Sincerely,

***************************
Business Response
Date: 10/03/2022
Good afternoon,
Please see our response for file 18047339.
Please advise if further assistance is required.
Thanks,
Regulatory Administration
2201 ********************************************************************
************
***************************************************************
Customer Answer
Date: 10/07/2022

Complaint: 18047339

I am rejecting this response because:
I would like to see where it's legally written from Kemper (handbook, website, etc.) that they don't pay for waiting on parts. If that's unable to be provided, I'd like to request that calls between myself and ***************************** are reviewed in order to determine on whether she disclosed this information to me on the recorded line. If this wasn't disclosed, would that mean I'm still responsible for the remaining $600?! Because if I would have known that, I would have picked my undrivable car up and found a way to drive it around not put together in order to avoid the charges for "waiting on parts".

Sincerely,

***************************
Business Response
Date: 10/12/2022
Good afternoon,
Please see our attached response for file 18047339.
Let us know if further assistance is needed.
Thanks,
Regulatory Administration
2201 ********************************************************************
************
***************************************************************
Initial Complaint
Date:09/16/2022
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.
My complaint is about the car insurance part **************************************. I was involved in an accident June 21st, 2022. Deemed the other persons fault and they gave me about a $5000 check to fix the repairs. It actually cost $16,000 to fix and the totaled out my truck July 27th, 2022. There was the person who caused the accident, my truck, and one more vehicle. All vehicles were totaled. At this time according to kemper, there was a limits issue being the person who hit everyone couldn't cover all the damage. It's September 16th, 2022 and there still hasn't been any resolution or final determination. Everyone I have talked to this week, they have kept pushing it to a different department. Not taking no responsibility. There was one individual names ***** with an extension of ******* who actually gave me a fake extension to her supervisor knowing it was fake because I asked specifically why it was 10 numbers knowing all their extensions were 7 numbers. I've reached out to their boss and went up the extension ladder and left voicemails all this week and no one has still helped me. This is after I've waited about a month and a half to get this far. I have a rental during this time as well and they know this and still haven't helped me with this matter. I've talked to at least 6 differ T people there and no one had helped me. Mind you, I got rear ended on the freeway while I was at a stop from morning congested traffic. I lost my truck going to work. I have back issues. I have this problem as well now. I can't get any help can you help me please
Business Response
Date: 09/22/2022
Good afternoon,
Please see our attached response for 18038854.
Let us know if further assistance is needed.
Thanks,
Regulatory Administration
2201 ********************************************************************
************
***************************************************************
Initial Complaint
Date:09/15/2022
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 was insured with Kemper Insurance from 2016-2020 and had an accident and was hit from the back while my car was in park in the Valet and a Hotel. They marked it my fault and I need them to judge it correctly because I just realized it is messing up my insurance rate.
Business Response
Date: 09/16/2022

To whom it may concern,
We are in receipt of this BBB complaint. At this time, we are unable to locate the claim or policy with the information provided to us. If you would kindly provide us with the complete claim or policy number, we would be more than happy to have the complaint reviewed by management.

Sincerely,
Regulatory Administration
2201 **************** **********, ** 35203
Initial Complaint
Date:09/13/2022
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.
Last week, a young person insured with Kemper hit my car in a double turn lane. She was in the right-hand lane, and I was in the left-hand lane. She turned wide and dented the right side of my car. I immediately contacted her insurance (Kemper), and uploaded pictures of damage to their automated system as requested. 6 days later, adjustor *********************** calls me to say that 'based upon statements from me and the insured', that I was 75% at fault. This adjustor never interviewed me. If she had, I would have been able to tell her that I work directly across the street from the scene of the accident, and have to make an immediate left turn to get to my building (after the 'double lane' turn). Why would I have been in the RIGHT lane, if I had to immediately turn left? This adjustor did not perform her due diligence, and as such, has facilitated a bad-faith denial of claim. I will be pursuing EVERY avenue available to me for a resolution. Claim #*************
Business Response
Date: 09/23/2022
Attached, please find the submitted response letter for this complaint.
Initial Complaint
Date:09/13/2022
Type:Customer Service 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 got hit from the back and the other people insurance was Kemper . They sent me a check for $90 and I was told if the rental is more than $90 to send the receipt and they will reimburse me . I been emailing and calling for the last 2 weeks and have not heard back from them at all . The person helping me was ************************* . His phone number is *********** ex ******* . I just want my money
Business Response
Date: 09/22/2022
Good afternoon,
Please see the attached response for 18018191.
Let us know if further assistance is required.
Thanks,
Regulatory ************************************************************************************ 35203
************
**************************************
Initial Complaint
Date:09/12/2022
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 called November of 2021 to remove my ex-husband *********************** as a driver. they said they will remove him I called February of 2022 becuwse he was still on the insurance they said they will remove him I called **** Insurance in june exchanged text messages saying they removed him, they did not I called kemoer customer service they asked to provide a divorced decree I did. they still will not remove him they ask us to sign a letter saying g he doesn't live here and does not have access to my vehicle we both signed it . They Will not remove him We are divorced he has moved out in March of 2021. He does not have access to my vehicle. I have sent wveryrhing your company has asked for. He needs to be removed as a driver. WE ARE DIVORCED
Business Response
Date: 09/21/2022
Attached, please find the submitted response letter for this complaint.
Initial Complaint
Date:09/08/2022
Type:Order 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 have been with United Life Insurance (KEMPER Life) for over 20 years this Kemper Insurance have a lot of issue in keeping Insurance Agent I have had over 8 or more agents since I been with Kemper Insurance each agent gives me different information since they switch to KEMPER Life now my new agent is explaining to me that I borrow from my life insurance policy which i didn't I ask for a copy to verify signature at that time my agent explain to me that because the merge with KEMPER Life that they don't have the documents apparently the company can't find them well I also called the main office to speak with someone about this loan they claim I borrowed Now I did borrow from my brother policy back in **** now i know about that loan because i still have paper on that loan i feel like it may be some fraudlent going on in this Insurance Company I have myself, my son, and my brother insured correctly update not behind but yet Kemper making it hard for me to borrow from my son policy they keep giving me the run around but yet my agent can collect his monthly payment i need some help in finding out why is KEMPER giving me a hard time in getting a loan on my son policy now that he up in age he have his own policy my agent have not been working with me to help to get the loan I WOULD LIKE TO CASH IN MY SON POLICY BUT THEY WONT LET ME I WOULD NOT RECOMMEND THE **** INSURANCE TO NOBODY I'M VERY CONCERNED BECAUSE IF THEY GIVING ME THIS MUCH TROUBLE TO BORROW FROM MY POLICY FORBID IF SOMETHING SERIOUS HAPPEN I CAN'T DEPEND ON THIS COMPANY TO COME THROUGH FOR ME SO I'M SEEKING HELP NOW
Business Response
Date: 09/15/2022
Please see attached*

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Kemper Corporation is BBB Accredited.