Complaints
This profile includes complaints for Kemper Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 644 total complaints in the last 3 years.
- 143 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:05/20/2025
Type: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 writing to express serious concern regarding the handling of my son **** Bells life insurance policy by one of your agents. Due to a series of preventable errors and a lack of appropriate communication, his policy has lapseddespite over 30 years of faithful premium payments.The root of this issue appears to be the agents failure to update our contact information correctly. Despite notifying the agent of my address change, she failed to update the address on ***** policy and, additionally, entered the wrong address on my own policy (***** ****). Because of this, we were not notified of any payment issues or lapse warnings in a timely ********* a result, the Automatic Premium Loan (APL) feature was triggered to cover a premium of just $14/montha small amount that I would have gladly paid had I been properly informed. The use of the **** which should only be a last resort, could have been entirely avoided with a basic address update and standard customer communication.When I contacted the agent directly, she told me over the phone that this was not her responsibilitya dismissive and troubling response. As a long-term customer, I find this unacceptable and inconsistent with the level of service I expect from your company.I
Business Response
Date: 06/03/2025
Please see attached for the response for file ******** for ***** ****/**** ****.Initial Complaint
Date:05/19/2025
Type: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.
In auto accident involved with a Kemper insured gave insurance information file to claim the company that fix the car. They keep going up on the money, even though the ***** fixed we dont know why and the insurance are the other persons insurance with Kemper they will not sign the final paperwork. They cant findher and she wont answer her phone and they refused to turn the check please until she signs it and the company that fixed the car to turn the car loose until its paid for and I dont understand it started at 1100 and then it was 2200 and now its 3600 and its been fixed over a weekBusiness Response
Date: 06/03/2025
Please see the attached response for file ********.Initial Complaint
Date:05/17/2025
Type: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 7, 2025 My vehicle was @ Collision Tech body shop for repairs, it was inspected by Kemper and approved by them, somehow the vehicle caught fire and I was inform by the body shop, I also made a claim with Kemper on 06/14/2022 and they didn't cover my damages, they said the company Insuring the shop would be responsible for the damages, until now no one has being responsible for my loss. Please please help me with this matter. Thank you, blessings!!Business Response
Date: 05/30/2025
Please see the attached response for file ********.Initial Complaint
Date:05/15/2025
Type: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 a policy with this company and they tried to add a driver to my policy that is not a regular driver nor lives with me and doubled the premium. I canceled the policy due to this and now they are trying to bill me a cancellation fee and for the remainder of the policy. I did try to resolve this issue and they refused to fix it. They changed the terms of the policy making any previous agreement void.Business Response
Date: 05/19/2025
Good morning,
We are in receipt of your complaint; however, the we are unable to locate a policy with the information provided. Please review and ensure that this complaint is for Kemper or one of its affiliates.
Please let us know if you have any questions.
Thanks,
Regulatory Administration
************************************************************************************
************
***************************************************************************************Initial Complaint
Date:05/15/2025
Type: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 in a car accident and not at fault police were involved because it was a hit and run. This incident happened on April 23, I have police case number and there phone call as well. I have been dealing with this insurance since that day, I had to pay out of pocket a rental car and they said I had to come out of pocket. Meanwhile I get a policy letter that they should be covering for my expenses, I have been calling and wondering what is going on and why it's taking so long.Pensky Collision at ********** have multiple times called the insurance and apparently today I have a new adjuster that I have no idea who it is and the name, because of lack of communication we have been getting. I want this to be resolved by getting my reimbursement and getting my paperwork done so the shop can do there job and pay me for a new car. This has been a nightmare and thinking of taking Kemper to court at this point. $40,000 for a new car and my rental reimbursement is fair for this horrendous experience before calling my attorney and asking for more.Business Response
Date: 05/30/2025
Attached, please find the submitted response letter for this complaint.Initial Complaint
Date:05/14/2025
Type: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.
Since November 2024 my father has tried cashing out his life insurance. Kemper Life keeps telling us that they have mailed a check. Its May 2025 and no check. Many calls have been made at no avail just the same response to wait for the check.Business Response
Date: 05/21/2025
see attachment
Initial Complaint
Date:05/07/2025
Type: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.
Complaint Against Kemper Auto Insurance Claim #*********** I am filing this complaint regarding Kemper Auto Insurances mishandling of my claim for a hit-and-run accident caused by their insured on November 1, 2024.I opened the claim with Tesla Insurance immediately after the incident, but since the at-fault driver fled, I didnt have their insurance info. The police report identifying Kemper as the insurer wasnt provided until early February 2025, at which point I submitted the claim to Kemper.Despite sharing video evidence from my vehicle, a police report, and a repair estimate from a Tesla-certified shop, Kemper has delayed action for over three months. Adjuster Robyen ****-***** continues to respond with vague, repetitive messages about an ongoing coverage investigation, without explaining what is being reviewed. Appraiser ****** ****** deflects all inquiries and provides no ***************** repair has been approved, no rental coverage offered, and no timeline given despite Kemper having all required documentation since February. This appears consistent with Kempers documented pattern of claim delays, as reported in a recent $1.5M legal settlement.I am requesting that Kemper:1. Complete the investigation and issue a decision.2. Approve repair at ********************** in *********, ***3. Cover rental car expenses during repair.If this is not resolved promptly, I am prepared to pursue legal action.Business Response
Date: 05/22/2025
Attached, please find the submitted response letter for this complaint.Customer Answer
Date: 05/27/2025
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. Both the adjuster and appraiser at Kemper came through in the end and it seems that the delays in addressing my claim was caused by the insured and unlisted driver. I appreciate the attention to the matter by both Robyen and ******.
Sincerely,
******* *******Initial Complaint
Date:05/05/2025
Type: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 brother ***** has been with this life insurance company for over 14+ years and as of December/January the told me over the phone that they had cancel my brother insurance out due to nun payment, when I send in my payment OUR PAYMENT together. I dont understand how they could cancel his insurance and not mines when I send in money order for us both. If thats the case why then havent cancel mine yet. Also where is the money that Ive sent in for my bother and I if they cancel his policy out. I send in $176 each month for the both of us and they saying they havent received any for my brother. If thats the case they owe me. My brother needs his insurance, h*** be 75 this year and had prostate cancer, so he needs his insurance. This company has changed name 3 times and every year its a different agency coming to my house. So I decide to start mailing minds in because I could trust everyone. ****** ******* also add my daughter policy to minds and Ive told her plenty of times that she know longer lives in this household. I would like to have a understanding why they cancel my brothers and I still have mines. I want to know where is my money that I had left over since they cancel his policy. I have all my receipts, from written, and from the post office. I have been faithful to these companies and *** been let down and money took. ***** who was/is the manager said he was giving me credit, but every month I still have to send a payment. Ive been over 9000 for my brother and now they cancel him out. Please help because Im lost. I have all the money order from the post office that can be traced down. I really dont want a refund, I just want them to reinstate my brother policy. Hes was $75.05.Business Response
Date: 05/16/2025
Please see attached response to BBB case ******** the insured is ***** ********* complainant did not leave a name just email address.Initial Complaint
Date:05/05/2025
Type: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 filing this complaint against Kemper Corporation for false verbal representation and deceptive pricing practices that led to a higher-than-agreed insurance premium.On April 18, 2024, I began a liability-only auto insurance policy with Kemper for approximately $57/month. A few days later, at the request of my auto dealer (for financing purposes), I temporarily added comprehensive and collision coverage.Before making this change, I asked the customer service representative three explicit questions:Would this be a new quote or policy? ? *** assured me it would not.Would this impact or increase my original liability-only rate later on? ? *** assured me I could return to the original $57/month liability rate with no changes.Would I only be charged a pro-rated amount for the time I had full coverage? ? *** confirmed yes.On May 5, after paying off my vehicle, I called Kemper to remove full coverage and return to liability-only as originally agreed. To my shock, the new liability rate jumped to $79/month, then later adjusted to approximately $65/monthboth significantly above the original $57.When I asked for clarification, I was told that my policy had changed and was re-rated, despite no mention of this during the call when I upgraded. I would have never agreed to a temporary coverage change if I knew it would permanently raise my monthly premium.This constitutes:False verbal assurances Bait-and-switch tactics Lack of transparency around underwriting changes Resolution Requested:I request that Kemper honor the originally agreed $57/month liability-only rate as stated by their representative.I also request a written explanation of why my policy was re-rated and the specific underwriting changes that occurred.I would appreciate a corrective action to ensure other customers are not misled in the same way.Thank you for reviewing this complaint.Sincerely,[******* ********][Policy ***********][*************][***************************]Business Response
Date: 05/14/2025
Attached, please find the submitted response letter for this complaint.Customer Answer
Date: 05/17/2025
Complaint: 23290671
I am rejecting this response because:
Sincerely,
******* ********Initial Complaint
Date:05/05/2025
Type: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.
The catalytic converter was stolen off my ********** Outlander 2022 here in ***********. Kemper doesn't want to cover the cost of the part claiming it will increase the value of my vehicle. I tried to dispute this issue with them but have heard nothing back. I'm being forced to pay for something my insurance should cover. I pay full coverage for my vehicle.Business Response
Date: 05/21/2025
Please see the attached response for file ********.Customer Answer
Date: 05/22/2025
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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