Kramer's girlfriend is a "low talker" so doesn't hear her.
Kramer asks Jerry at the urinals and Jerry wasn't listening.
Kramer's girlfriend has a "boring" voice so Jerry doesn't listen to her.
Kramer asks Jerry when he's in the shower so he just agrees to get him to leave.
Jen Gallie hasn't written a bio just yet, but if they had... it would appear here.