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 Insurance Companies

  410 Main Buffalo, NY 14202

• 

  Kemper Life

  1373 Broad St Ste 303 Sutton Plaza Clifton, NJ 07013

  
• 

  Kemper Direct Insurance Company

  50 Glenmaura National Blvd Ste 201 Moosic, PA 18507

• 

  Kemper Life

  23215 Commerce Park Ste 310 Beachwood, OH 44122

  

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:01/29/2025

  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 have full coverage with this company( but known to me as Kemper Insurance Had an accident Claim number *********** Estimate damages$4309.44 Had full coverage / $1000.00 deductible They are refusing to pay the claim onky paying $1555.00 Leaving me to pay $2700.00 I can not control what thr repair shop charges to repair my vehicle! I have full coverage/ so how can this company refuse to pay the repairs.

  

  Business Response

  Date: 02/11/2025

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

• Initial Complaint

  Date:01/28/2025

  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.

  Hello, my name is Schehear ******* and I am the daughter of **** *******. My mom carried a policy with kemper for life insurance. She has been a member since 2019 paying her life insurance on time. My mom passed away October 27 2024. She had three policies they were supposed to honor two of them. They honored one by letting me bury my mother and I was very grateful for that but this business is very messy and unprofessional waiting over 90 days for the last policy to call and they had rock information, their customer service is very rude and impatient and inconsiderate their lying to families instead of telling them the truth this causes more heartbreak for families who actually insured with this company so when their loved ones passed away, they supposed to be guaranteed that theyre supposed to take care of their families instead of this company has not paid at all. The only thing they honored was my moms policy for the funeral. They paid the adjuster and they paid funeral hall. They did not pay us. We did Alf ******* 7. The check has been returned to them ******* 13 here it is ******* 29 , almost 90 days after my mom passing havent received nothing and were still getting the same answers. This is so unfair and this is very rude. This is very unprofessional and this makes me not want to be insured with these guys cause one of this happened to me whats gonna happen to my children?

  

  Business Response

  Date: 02/13/2025

  Attached

• Initial Complaint

  Date:01/27/2025

  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.

  Kemper Life Insurance will not let me get the cash value of my account they say because my sister is the beneficiary on the policy and the owner, I ask them to get me cash my sister policy in because I am the beneficiary and owner of her policy but she became of age and owns her on policy, something is wrong with this process and not right.

  

  Business Response

  Date: 02/10/2025

  Please see attached.

• Initial Complaint

  Date:01/24/2025

  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.

  1-23-25 A claims adjuster came to look at my car's damages that their client caused. All the person said was they will update me. It doesn't take long to update. It's been over 48 hours now. I've left messages but the adjuster has not responded. The person's name is ***** B That's unprofessional.

  

  Business Response

  Date: 02/04/2025

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

  Customer Answer

  Date: 02/05/2025

   
  Complaint: 22853524
  
  I am rejecting this response because: 

  THE CRASH WAS ON 1/22/25 @ 10 am. THE APPRAISER WAS AT MY JOB LESS THAN 24 HOURS AFTER THE CRASH!! I SPENT THE THAT DAY AND THE NEXT DAY LEAVING MESSAGES AND NOT GETTING CALLED BACK!! ***** ******* LIES ON HIS VOICE RECORDING SAYING HE RETURNS CALLS IN LESS THAN 24 HOURS!! THAT'S BULL CRAP!! HE NEVER RETURNED MY CALLS!! 

  LIKE I MENTIONED, I LEFT MANY MESSAGES AND NO RETURN CALLS! I HAD TO GET A CUSTOMER SERVICE *** TO PHYSICALLY GET A MANAGER ON THE PHONE BECAUSE I WAS TIRED OF LEAVING MESSAGES AND NO RETURN!! 

  ***** LEAVES ME A VOICE MESSAGE AND EMAIL ON TUESDAY SAYING HE JUST RECEIVED THE CLAIM. THATS BULL C*** I KNEW HE WAS LYING. I MADE THE CLAIM ON 1/22. PICS TAKEN 1/23. IT DOESN'T TAKE THAT LONG TO RECEIVE A CLAIM AND WORK ON IT!!

  THEN HE SAID THEY PAY 90%!! THAT'S ALSO BULL C*** BECAUSE HIS CLIENT WAS 100% AT FAULT!! THEREFORE THEY NEED TO PAY 100% OF THE CLAIM!! 

  I WAS IN THE CORRECT LANE!! THERE WAS NO CHANCE TO DUCK OR DODGE!! THE DRIVER CAME ON OUT AND HIT ME AS I WAS PASSING RIGHT NEXT TO HIM!! NO WAY I SAW HIM!! HE WAS PARKED FACING THE WRONG DIRECTION OF THE ****** IF THE DUMB DRIVER HAD LOOKED LIKE HE WAS SUPPOSED TO, HE WOULD HAVE SEEN ME!! IDK WHAT HIS DRIVER'S ED ******* TAUGHT HIM BUT THAT'S A #1 ****** IN DRIVER'S **** THEREFORE THEY SHOULD PAY 100% AND I SHOULD NOT HAVE COME OUT OF POCKET FOR ANYTHING!!

  THE WRECK IS BAD ENOUGH AND STRESSFUL ENOUGH. AND WHEN THE STUPID DRIVER'S INSURANCE COMPANY DOESN'T COOPERATE THE WAY THEY'RE SUPPOSED TO THEN IT GETS UGLY LIKE THIS HAS GOTTEN!! MY PLATE WAS ALREADY FULL OF STRESS AND THIS INSURANCE COMPANY HAS CAUSE THE STRESS TO OVERFLOW AND GO OVERBOARD!!!!! ??

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

  

  Business Response

  Date: 02/11/2025

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

  Customer Answer

  Date: 02/12/2025

   
  Complaint: 22853524
  
  I am rejecting this response because: I still need my car. The repair shop said they are waiting on a part that is taking forever to be delivered. .My car should have been fixed by now. The sooner my car is fixed the sooner I can return the rental. 
  
  Sincerely,
  
  ******* ****

• Initial Complaint

  Date:01/22/2025

  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 writing to escalate my concerns regarding claim *********** due to ongoing communication issues and delayed payments.I want to emphasize that I tried to be proactive throughout this process to prevent these very issues from occurring. Despite my consistent efforts to maintain communication, ******** ****** has continually ignored my attempts to reach her. This lack of response has directly led to the current situation. I have a lot on my plate now having to manage my job and travel, and ******** ******** lack of responsiveness is creating unnecessary stress and **************** primary concerns are:- Lack of response from claims adjuster ******** ****** despite multiple attempts to reach her via phone, email, and text - Non-receipt of the initial claim payment, which has resulted in my vehicle being held by the body shop - Rental car charges that I've had to pay out-of-pocket, and current charges that are due ASAP - Urgent timeline as I need to leave town for work Specific issues requiring immediate attention:- The body shop is refusing to release my vehicle without payment - The rental car company is requesting return of their vehicle - I have no timeline for reimbursement of my out-of-pocket rental expenses - Given the previous payment failure and ongoing silence, I have serious concerns about the reimbursement of my rental expenses and need immediate assurance I will be properly reimbursed in a timely manner - I have attempted to resolve these issues directly with ******** ****** through multiple channels without success. I would greatly appreciate your immediate attention to these matters.Please provide:- Status of the initial claim payment - Timeline for rental car reimbursement - Name and contact information of a new point person for my claim - I look forward to your prompt response to resolve these issues.

  

  Business Response

  Date: 01/30/2025

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

• Initial Complaint

  Date:01/17/2025

  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 Tuesday, January 7, 2025, I had a traffic accident in which my car was rear-ended by another vehicle. Currently, I am under Kemper auto insurance. On the same day of the accident, report the accident to the insurance company. Kemper created a case number ***********. After properly documenting the process with photos and evidence, my case was submitted for review.Yesterday, Wednesday, January 15, 2025, I received an email confirming that the insurance was going to cover the cost of the accident under "total loss". A representative called me to speak with me and explain the process. On the call we had a Spanish language interpreter because my first language is Spanish. Due to language barriers, there were things I did not understand, and I felt pressured to accept and sign said document.Once, with the help of some family members, I understood the document, and in said document, Kemper, says to cover the cost of my car loan, and pay it in full. For my part, I must deliver my vehicle at their disposal. After carefully reading the document, I find many flaws, taking into account that ******************** took my car and paid the car loan, I was left without a vehicle. I do not agree with this because when purchasing the vehicle, I gave a downpayment of $2000, and I have given 3 payments of $310. This means that for me, as a user and consumer, there is no benefit, since I am left without a vehicle completely, and I lose the money invested in downpayment and in the installments that I previously gave.A satisfactory answer would be for Kemper to pay for the entire auto loan, and to reimburse me for the downpayment plus the 3 months of payment ($2930).

  

  Business Response

  Date: 01/28/2025

  Hello,

  Please see our attached response for file 22822822.

  Please let us know if further assistance is needed.

  Thanks,

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

• Initial Complaint

  Date:01/16/2025

  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 7th, I was rear ended by a client of Kemper Insurance. I immediately filed a claim and was assigned the adjuster ******** *******. From the very beginning of the process, she was very short with me and my husband and hard to get a hold of. Though out the process, I have tried numerous times to get in touch with her to make sure the issue is being handled. She initially said I would have my rental for 6 days and that is all they were paying for. It was stated that once the collision place got in there to do the work that the days would increase. I was told that I had to self pay for the rental and I would be reimbursed. I dropped my car off with the collision place of their choice on December 30th because the shop could take my car then and had the parts. I picked up my rental the same day. I then was told again they were approving 6 days and it would be extended when the shop looked at all the damage. The shop supplied the insurance company with a supplemental order that doubled the price and damage and in turn extended my rental time since my car was still being worked on. I tried repeatedly to contact Ms. ******* to figure out what was needed to be done about this. She never called me back and never emailed back. Let alone never addressed issues we were having with neck and back injuries. I finally called Ms. ******* manager on 1/14/24 because of the communication issue and left a message. Ms. ******* called me very angry the morning of the 15th that I had contacted her manager. I told her that I needed to know that my rental was still going to be covered since the shop was still working on my car. She stated repeatedly that they were covering 6 days. I can not pick up my car since they are still working on it and she is stating that is not her problem. She proceeded to hang up on me and told me to call her manager. I left another message for her manager and called the collision place. The collision place then called her and she hung up on them.

  

  Business Response

  Date: 01/29/2025

  Hello,

  Please see our attached response for file 22814033.

  Please advise if further assistance is needed.

  Thanks,

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

• Initial Complaint

  Date:01/14/2025

  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 have been trying a endless amount of time to get resolution on fixing my car that sustained damage from one of Kemper auto agency's clients and have been unable to make contact with anyone on status of my claim. I have not received any updates on my status etc. and am very frustrated. I have called and spent countless hours waiting on hold with no end results unable to speak to a human.

  

  Business Response

  Date: 01/29/2025

  Good afternoon,

  Please see our attached response for file 22810881.

  Please advise if further assistance is needed.

  Thanks,

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

• Initial Complaint

  Date:01/14/2025

  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.

  On January 1, 2025, we were involved in a car accident that was not our fault. The at-fault driver's insurance company, Kemper Insurance, is claiming they are only obligated to pay 80% of the claim. They are using a fabricated excusethat a truck turning into a parking lot supposedly blocked the drivers viewto justify this decision. However, this claim is untrue, there was no truck, and the driver never mentioned it when we pulled over to exchange information after the accident. Even if the drivers view had been obstructed by a truck, they remain fully responsible for causing the accident. Despite our efforts, we have been unable to get Kemper Insurance to reimburse us in full, and there appears to be no clear recourse available. Additionally, they informed us that they submitted a claim to our insurance company without our consent. We did not request this, as it would require us to pay a $500 deductible and could lead to a rate increase for filing a claim.

  

  Business Response

  Date: 01/28/2025

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

• Initial Complaint

  Date:01/13/2025

  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 was hit by someone insured by Kemper Insurance. I filed a new claim with Kemper and followed their instructions to visit their designated repair shop for an estimate. After the estimate was completed, they said they would contact me. In the meantime, I also went to my own repair shop and obtained another estimate. However, a long time has passed, and no one has contacted me. I have called them a lot, and they always promise to get back to me the same day, but I have never received a response.

  

  Business Response

  Date: 01/15/2025

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