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

  26111 Central Park Blvd. Ste. 300 Southfield, MI 48076

  
• 

  Kemper Life

  8900 Keystone Xing Ste 630 Indianapolis, IN 46240

  
• 

  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:08/10/2022

  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.

  08/09/2022 I received a letter stating my life insurance lapsed as of 08/01/2022. The letter was dated 07/31/2022. I immediately called because I did not receive any warning letter or notifications prior. My billing cycle as Quarterly which would be it is due August from last payment. I have been paying 2 months at a time when I do. I called and was told my insurance lapsed due to nonpayment. I asked why I am just receiving a letter, and no one could answer. Then I was told it was "expired" and could not reinstate my insurance. I would have to obtain another quote and start over. Call was unable to be transferred to a supervisor as I was told there was no direct way to transfer the call and instead was transferred to another representative who stated my agent should have been in contact with me. I asked who my agent and no name were listed but was directed to call the local office. I have had this life insurance for two years and to cancel it for nonpayment of two months! And then to not even inform the person about their coverage. The plan has no way of automatic draft, no online portal and everything is sent via mail. To send a letter dated 07/31/2022 and expect it to get to the customer the next day is negligence. I have made payments all the time over the phone and was told I can pay quarterly. I have called the local agent office and had to leave a message. No one has responded. I am requested a refund of ******** due to canceling my life insurance as wasted money due to negligence on the company.

  

  Business Response

  Date: 08/11/2022

  Good morning, 

  
  We have received notification of this complaint, however, United Insurance Company of America Life policies are handled by a different group. Please reassign/send this complaint to them at: ************************************ so they can review and handle the response accordingly.

   

  Thanks,
  
  Regulatory ************************************************************************************* 35203

• Initial Complaint

  Date:08/09/2022

  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.

  My car has been sitting in the body shop for over a month. I took the paperwork provided to the body shop and the body shop gave an estimate larger than the one the insurance gave for my claim#***********. The body shop has filed a supplement but have not gotten a single response from them. When I try to call my adjustor(*****************), his supervisor or the supplement division it just goes straight to voicemail. The email sends an automated response that they will contact in 3 days but no one has contacted neither me or the body shop. The last time I spoke with the adjuster(which was 4 weeks after the car was dropped at the body shop), he claims that a supplement has just been put in which is untrue since numerous emails has been sent from the shop requesting a supplement and I contacted and got a hold of a staff a week after the car was dropped off and they told me one was put in already. The staff also wouldn't redirect me to anyone but my adjustor even the adjustors voicemail claims he doesn't handle supplements. Sometimes I wonder if this supplement division even exist. Still have not gotten any word from the insurance about the supplement.

  

  Business Response

  Date: 08/19/2022

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

• Initial Complaint

  Date:08/05/2022

  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 vehicle was involved accident in 3/2022, she was not at fault, 2 other vehicles were involved, the young lady that was at fault has the same insurance, as I do ( Im the policy holder) kemper insurance decision was that my car was totaled, and the young lady was at fault. The 3rd vehicle decided to not pursue for damages, as his damages was just a scratch. My adjusters that I would get were completely rude & unprofessional, when I would call for an up date or try to get a resolution, since months have gone by and I was left w/out a vehicle, so getting to work was hard. I was told to wait 2 months to see if they hear back from the 3rd vehicle, I was told to use my own insurance to get a payout they change adjusters soo many ********* was get yelled at when calling in to get and up date. Finally we get a resolution back last week or 2 weeks ago. From my new adjuster ***** stating that, the 3rd vehicle was not pursueing damages and we can move forward. It been 6 months!!! Since the accident. He told me I would be receiveing a heck for the car for $5107 and another for $4893 for the time was with out a vehicle, and that the towing company was going to pick up the car ( when he call it sounded like he was at home because I did hear his son in the background, I felt like he was ******* to attend his son) we agreed on the *********** was happy.I could finally pay off thePersonwho lent me the money to get a new car.I got the checks in Monday 8/1.&on Tuesday 8/2 I received a call from the towing company at 11am telling me that they needed to return the car, & that the checks are voided, Im at workNotMuchICanDoI told them I dont understand whats going on.They said the adjuster (trey)will reach out or I should. I did on my lunch, left him a voicemail. &I didnt hear from him all day.I did notice an email late night thatwas sent 8/2 @ 915 am stating he was going to call&explain which he did not. I have email him ,called him multipleXs,for a explanation, 8/4&NoRespone

  

  Business Response

  Date: 08/15/2022

  Good afternoon, 

  Please see our attached response for file 17675178.

  Let us know if further assistance is needed.

  Thanks,

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

• Initial Complaint

  Date:08/04/2022

  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 filed a claim with this company on 08/01/2022 about the accident that happened on 07/31/2022 a 11:45 p.m. My claim number is # *************. Their insured driver hit my car and tried to do a hit and run , after she got out of the car to exchange information. I called Kemper insurance the next morning and my insurance Geico. The Kemper adjuster had me email and upload pictures of the incident, which I did immediately. It's 08/04/2022 and I never received a call so I reach out to them myself. The adjuster is terribly rude from the start and then we get into an argument over the phone. This man was unprofessional and rude and he did not help me or want to help me at all. So then my insurance tried to reach out to him to get more information and he hangs up on the representative. His name is ***************************************, his email is ************************************* So I tried to reach out to the general manager *********************** ext: *******, he's just giving me the run around and saying it was my fault based on the information they gathered from their driver , but no one ever came to look at my car. The person insured was a male and a female was the one that hit me. She was a reckless driver that tried to cut off on me and hit me in the process, I tried explaining this to *********************** but he kept saying it was my fault after I explained what happened many times. He sits there and tells me their insured driver denies hitting me and that even if iam saying exactly what happened they can't turn around and call their policy holder a big fat liar (in his words) so they're going around to fix my vehicle because they don't want to call they insured driver a big fat liar. Im getting nowhere with these people. When it's clear that she hit me because she was trying to speed me up to pass me up as I was switching lanes with my left signal on. She had no signal stating she was going on the ramp. I really need help because they're at fault and they do not want to do what's right .

  

  Business Response

  Date: 08/09/2022

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

• Initial Complaint

  Date:07/29/2022

  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.

  On May 27th My truck was involved in an accident. I have OnStar so I got 2 alerts (Tire pressure and Stabilatrack). Kemper told me they had to send the vehicle to their appraiser because they said it could be totaled and they got me a rental as this is my only vehicle. My Truck was shipped from *********** ** to *********** ** were it sat for 2 weeks and was further damaged at their appraiser (I received an Airbag alert while the truck was at this appraiser). It was determined to be repairable and was sent to ***************** in *********** **. Knights noticed the additional damage and another appraiser had to check it for an estimate. After 30 days I was informed I would I would have to pay for the rental. I called Kemper and they extended it for an additional 15 days for a total of 45 days. The truck is still at the repair shop and now I have to pay for the rental as Kemper refuses to pay for it. It is not my fault the truck is still in the shop. To date I have paid $227.00 for the rental and expect to be charged soon again. All I want is for Kemper to cover the rental as it is causing me a great deal of financial stress. Not only am I coming up on my 3rd truck payment since it's been in the shop but I also have to pay for a rental. My Claim # is ***********.

  

  Business Response

  Date: 08/03/2022

  Good afternoon,

  Please see our attached response for file 17636085.

  Let us know if further assistance is required.

  Thanks,

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

• Initial Complaint

  Date:07/28/2022

  Type:Service or Repair 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.

  Kemper insurer damaged my car on July 23, 2022. Police provided case number and stated Kemper insurer was at fault. Filed a claim with Kemper on July 24th and received a call from adjuster on July 25th. Estimator reviewed damage to car on 26th and said it was repairable. Made numerous attempts from the afternoon of the 26th to the morning of the 29th without a response. Finally was told on the 29th that they had not heard from insurer so therefore car rental could not be authorized. ******** wanted us to get our insurance to furnish a car because it could be 30 days for her to authorized payment since insurer was not responding. Also, stated they would not pay for storage of our car while awaiting their claim resolution. They are trying to avoid payment. They indicated they would only pay $25/day for rental. What rental car company has this fee and I would have to pay the rest. Also, the estimator stated it should only *********** days for repair to be done. The painting and drying time will require at least that long if done correctly. I need for them to stop hiding behind cant reach insurer and provide a realistic estimate with manufacturers parts and provide rental car. Dealership wont do business with them because of how the estimate and dont want to pay for quality service. I offered to get the police report myself because she stated it could be almost 2 weeks before they get it. Just want Kemper to resolve claim in timely manner and stop pushing for me to use my insurance for rental car and repairs. I am seriously thinking of getting an attorney to deal with Kemper as well as their insurer. Their insurer was not driving the car and had loan it to the driver. The driver that hit my car stated to police that she did not have insurance. Reading previous complaints it appears Kemper delays claims even there is a clear liability on the part of their insurer. Claim# *************

  

  Business Response

  Date: 08/08/2022

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

  Customer Answer

  Date: 08/09/2022

   
  Complaint: 17639888
  
  I am rejecting this response because:
  I have requested all communications if verbal be followed up by written communication.  Liability was accepted but the estimate was based 

  Solely on a visual inspection and not from what the auto repair shop have estimated.  Need written communication stating exactly what is

  being covered.  How are you sending funds for repairs when it is not clear what the final cost will be?  What rental company are you paying for while

  car is being repaired?  The only information we received is liability was assumed and an estimate was being mailed and could take up to 14 days to

  receive.  We asked what would occur if the estimate was not enough to cover repairs and was told Kemper would cover the difference as well as

  cover the rental car for the amount of time it takes for repair.  Please send email detailing the status.  By assuming liabilities means you are responsible

  for all repairs, which will not be fully known until auto repair shop does the evaluation.
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 08/19/2022

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

  Customer Answer

  Date: 08/24/2022

   
  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:07/28/2022

  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.

  I am a customer paying over $400 dollars a for a medical and dental policy. In the past year I have had numerous medical bills for regular routine appointments that should have been paid by my medical policy with Kemper. I have been turned away from dentist appointments because would not comply with the correct charging code. I believe this is fraudulent and very unfair for this company to continually pull money from my account and not render the proper services.

  

  Business Response

  Date: 08/03/2022

  Our records show that ******************* applied for coverage on two (2) policies (Hospital Confinement and Dental and Vision policies) with the underwriting insurer, Reserve National Insurance Company (the Company). The policies were issued with an effective date of April 12, 2021. The Hospital Confinement policy is a supplemental, limited benefit policy that provides a fixed daily benefit for hospital confinement and other fixed benefits, in and out of the hospital surgery indemnity benefits, for covered treatment of a covered injury or sickness subject to the policys conditions,limitations, and exclusions. Mr. **** selected the optional out of hospital indemnity benefit riders that provide fixed indemnity benefits for outpatient x-rays and lab tests, doctors visits, emergency room, prescriptions, and preventative care indemnity benefits, in addition to other fixed indemnity benefits.The Dental and Vision policy is a supplemental, limited benefits expense policy that provides limited benefits for certain dental and vision expenses subject to the policys conditions, limitations, and exclusions. The Company has not received any claims on the Dental and Vision Expense policy. The Company has received three (3) claims for processing on the Hospital Confinement policy.Benefits were paid as follows: a claim for date of service 9/27/21, billed charges were $3,124, repriced to $2,655.40 for two MRIs - benefits paid were $1,500.00 total pursuant to the $750 CT scan/MRI indemnity benefit to South Texas Radiology on 12/23/21(claim #*********), an office visit for 9/23/21, billed charge $270, repriced to $174.83 (claim #*********); benefit paid was an outpatient doctors visit indemnity benefit of $100 to K&S Healthcare on 12/22/22; date of service 10/6/21 for an office visit; billed charge of $220, repriced to $135.36 benefit paid was an outpatient doctors visit indemnity benefit of $100 paid to K&S Healthcare on 12/22/21 (claim #********). We would encourage Mr. **** to submit any additional claims not listed above for services rendered, so that the Company can review and process for available benefits on his policies. Further, if Mr.**** has any additional questions or wishes to cancel his policies, then he will need to contact the Companys customer service department at ************** and we will be happy to assist him.

  *******************
  Associate Counsel, Regulatory - Life & Health

• Initial Complaint

  Date:07/27/2022

  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 had filed a complaint on behalf of my elderly aunt, *********************** who has a policy with Kemper life for Homeowners insurance. Policy # ********** I am reaching out to you in regards to a claim that was filed a few months ago for which there has been no final resolution.On Wednesday March 9th, 2022, a check in the amount of $14,368.36 was issued for the damage clean up portion of the Hurricane *** claim. However, despite reaching out to the District manager, *********************** numerous times, there has been no further communication about the repair of the damage that was done by the hurricane. As so far, money has been paid to clean up the damage to the home, but repairs have been unable to begin due to lack of communication from Kemper insurance. This is causing animals from outside the home to enter through the damaged areas that have not been repaired.

  

  Business Response

  Date: 08/09/2022

  See attachment.

  Customer Answer

  Date: 08/09/2022

   
  Complaint: 17632767
  
  I am rejecting this response because:
  
  the response I received did not answer the question I asked. This request is not asking for additional damages. I am asking that REPAIRS can begin on the damaged area, which were assessed by *************** services, and a check was issued in the amount of $14,368.36. Choice solution services determined that $14.368.36 of damage was caused by the hurricane but did not include a build back proposal for the damaged area. This amount covered removal of debris and damages related to the hurricane damage ONLY. What was left behind after was the wooden frame of the rooms affected with no repairs done at that time. In some areas there is just bare floor down to the planks. I am respectfully requesting that my Aunt received aid in the amount to repair those rooms back to the condition they were in prior to damage being done by the Hurricane. My aunt ************************* **** and I have tried to handle this is a timely manner and have numerous communications between myself and Kemper dating back to October 2021, when Kemper life had erroneously terminated her policy due to a clerical error on behalf of Kemper Insurance. Rectifying the status of her policy has caused a tremendous delay in receiving assistance in a timely manner. ************************* is an elderly disabled woman who needs timely assistance and is erroneously being denied the benefits she is entitled to and that she has paid into for years.
  
  
  Sincerely,
  
  ***************************

  **********

  

  Business Response

  Date: 08/24/2022

  Thank you for contacting the BBB of **.  Please click the link to read the response from the business.

  Thank you

• Initial Complaint

  Date:07/27/2022

  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.

  A claim was filed for the victim of Kemper insured driver that rear ended my sons car in Feb 2022. The car is still not fixed or drivable due to state inspection issues only. It has been 5 months without a car for such a small fix. It is absurd that this business is allowed to have a license. We should be reimbursed for time lost.

  

  Business Response

  Date: 07/29/2022

  Good afternoon,

  Please see our attached response for file 17632030.

  Let us know if further assistance is required.

  Thanks,

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

• Initial Complaint

  Date:07/22/2022

  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 July 11, a vehicle that had an agreement with your company crashed into my car, and a claim record was opened after receiving the information. On the first day, I was directed to the auto body shop for damage assessment and received an estimate amount. but for two weeks, I couldn't get a response about it, although I called and e-mailed many times, I couldn't contact anyone. I am constantly being transferred to the adjuster side and asked to leave a voicemail. I've been waiting for 2 weeks for my car to be repaired. I have never experienced such a miscommunication and mediocre business with a company in my life. It is very bad to be victimized in this way and if my problem is not resolved, I will take legal action. I feel cheated.Below is information about claim Kemper: Auto Claims Thank you for calling Kemper.Claim Number: *********** Adjuster Name: ******************************* Phone Number: *********************

  

  Business Response

  Date: 08/02/2022

  Good afternoon,

  Please see our response for file 17610711. 

  Let us know if further assistance is needed. 

  Thanks,

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