Complete ID is an identity theft protection product by Experian made available exclusively to Costco members. Complete ID's goal is to "deliver complete peace of mind at the best possible price."

While similar identity protection products will range between $19.99 to $29.99, Complete ID is offered for $8.99 per person per month for Executive Costco members and $13.99 per month for Costco Gold Star and Business members.

Complete ID provides credit monitoring services that include all three main credit reporting bureaus in addition to 12 different monitoring features, U.S.-based certified identity theft restoration, and up to $1 million in identity theft insurance*. 

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Customer Review: David Leftwich from Loudon, Tennessee

"The representative I spoke with at Complete ID was polite, helpful, and thorough in answering my questions. I am totally pleased with their service."

The Good

  • Affordable Plans
  • Multiple Monitoring Services
  • Identity Theft Insurance
  • 24/7 Customer Service
  • Informative Online Education Center

Affordable Plans

Complete ID's identity protection plans start as low as $8.99 per month for Costco Executive members.

For an additional $2.99, Executive Costco members can obtain child monitoring services. Gold Star members can obtain child monitoring services for $3.99 per month.

In comparison to other identity protection services, Complete ID does offer some of the most affordable identity theft protection coverage.

Additionally, Complete ID appears to go the extra mile and runs a comprehensive check on new customers (after their initial sign up) to see if there are any "previous or ongoing instances of ID theft." 

Monitoring Services

Complete ID offers a large number of monitoring services, including credit monitoring from all three major credit bureaus (Experian, Equifax, and TransUnion). Potential customers should note that monitoring with Experian begins within 48 hours of enrollment in Complete ID and monitoring with Equifax and TransUnion takes approximately four days to begin.

In addition to credit monitoring, Complete ID offers financial account monitoring, criminal records monitoring, non-credit identity monitoring, dark web surveillance, payday loan monitoring, and social security number monitoring.

If any suspicious activity is detected, the company will issue a fraud alert to the customer.

Complete ID does offer a variety of other services included in its identity theft protection product. These include annual credit reports from all three credit bureaus and 24/7 customer support.

Helpful Identity Theft Insurance*

Complete ID provides customers with up to $1 million in identity theft insurance with no deductible. This policy covers and reimburses certain expenses if various identity theft situations, like data breaches or other forms of identity abuse, occur. 

According to the Complete ID website, the company's identity theft insurance covers lost or stolen wages/income, attorney fees/legal fees, child care/elderly care, refiling loan expenses, and more. Complete ID also provides full-service identity restoration as well as lost wallet replacement assistance.  

24/7 Customer Service

Complete ID customers can receive U.S-based customer service help around-the-clock.

For customers who find that they have fallen victim to identity theft, Complete ID offers direct communication with a designated identity theft restoration specialist.

The company's restoration specialists often offer an immediate plan of action. They walk customers who have has their identities stolen through the entire restoration process which can include calls on the customer's behalf and the filing of report paperwork.

Complete ID also provides customers with a full online list of potential steps they may have to take to recover from being an identity theft victim.

According to the Complete ID website, the Complete ID restoration "specialists can be granted limited power of attorney and can take action on your behalf."

Informative Online Education Center

For an identity theft protection company, Complete ID offers a good amount of online educational resources.

Complete ID has an entire education center section on its website dedicated to teaching people about identity theft.

Some of the topics covered under the education center section include how thieves commit identity theft and identity fraud, how identity theft can affect a credit score, how people can protect their social security numbers, what to look out for when it comes to your credit report, how to spot fraudulent/suspicious activity, and much more.

Both customers and non-customers can access Complete ID's online education center. 

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The Bad

  • Lack of Services and Information

Lack of Services and Information

Complete ID does not provide a number of important services including credit card, checking, or savings account real-time alerts, data breach notifications, a service guarantee for lawyers and experts, or investment account activity real-time alerts.

The company's website does not seem to provide information regarding anti-virus software and customer-based mobile app options. 

The Bottom Line

Complete ID offers a number of affordable identity protection services and several monitoring services including financial bank account monitoring, credit monitoring services for the major credit bureaus, as well as social security number monitoring, payday loan monitoring, and up to $1 million in identity theft insurance.

It's important to note that those who have a Costco Executive, Costco Gold Star, or Costco Business membership are able to purchase Complete ID's identity protection services at a lower rate than those who do not have a Costco membership. 

In terms of insurance, the company covers lost or stolen wages, legal fees, and more after a theft takes place. Additionally, Complete ID offers reliable identity restoration assistance which includes lost wallet replacement assistance.

On the Complete ID website, both customers and non-customers can access the company's online education center to learn more about identity theft. 

Complete ID also provides real-time fraud alert notifications if there is any hint of suspicious activity, an annual credit report from each of the main bureaus, and 24/7 live customer support.  

However, Complete ID fails to provide a number of important identity theft protection services. Additionally, the company does not appear to offer information about any anti-virus software. Customers who wish to enhance their personal device security may have to buy the software themselves.  Additionally, there is a lack of information on the company's website regarding any mobile app options. 

If you are interested in identity protection services, it is recommended that you read Complete ID reviews and conduct thorough industry research to see if Complete ID is the right company to help you protect your identity.

*The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.  

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User Reviews

Star Rating

3.8
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472 Reviews

Review Breakdown

5 star
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4 star
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3 star
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1 star
19%

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George S

June 2nd, 2020 Seattle, WA DETAILS arrow_drop_down
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This is a very good credit monitoring service. The web site is not as sophisticated as Life Lock, but the information being tracked is very complete. The customer service responds very quickly (Life Lock customer service was also good, but I usually had to wait more than 20 minutes before a Life Lock representative was available). Also the price is less than one third the cost of Life Lock if you have a (Costco Executive membership).

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Ken

June 2nd, 2020 Sarasota, FL DETAILS arrow_drop_down
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The staff were quick to answer the phone with an English speaking human who did a fabulous job solving my incident.

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Roy Breiling

June 1st, 2020 Prescott Valley, AZ

I answered all the questions correctly but your system did not except it. I answered all the verification questions correctly but the system still did not verify my account. Therefore I have to wait 72 hours before I can do it again. I asked for a supervisor to return my call and as of this timeframe as supervisor still has not return my call. Very frustrated.

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Reply from Complete ID

Jun 01, 2020

I see that our supervisor has been able to reach out to you since this time and you are now authenticated. I am so glad we were able to resolve your issues. Please let us know if there is anything else we can help you with. Thank you, Roy.

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Don

May 28th, 2020 Washington, MO DETAILS arrow_drop_down
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She was very helpful. We got to the bottom of what my concern was. And everything was taken care of professionally.

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Rupak Chawla

May 26th, 2020 Pearland, TX DETAILS arrow_drop_down
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Good job overall in the delivery of all the information.

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Luis Magallanes SR

May 26th, 2020 Daly City, CA DETAILS arrow_drop_down
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Excellent service, So far they offer a complete and secure monitoring service giving me peace of mind.

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Matt Harrington

May 26th, 2020 Maple Valley, WA DETAILS arrow_drop_down
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My wifes SSN was compromised recently. How did we find out? Not from Complete ID. Why am I paying for this service? When we needed it they did nothing for us.

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Barbara Hurst

May 26th, 2020 Aurora, OR DETAILS arrow_drop_down
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The rep was very informative,nice,and took time to explain EVERYTHING to us as we are not up on computers,and solved all our problems....Thank You.....

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Reply from Complete ID

Oct 15, 2019

Hi Barbara. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy

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James Paye

May 26th, 2020 West Bloomfield, MI DETAILS arrow_drop_down
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All information is in one spot The app and user interface is terrible. Every time I log in I have to enter a passcode that is provided to my email address. The app layout is not intuitive and very user unfriendly.

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alana feldman

May 26th, 2020 Kailua-Kona, HI DETAILS arrow_drop_down
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The first time I used Complete ID, I was 'put off' that I could not handle everything via email. This time, I knew what to expect; speak with a 'vetting' person who would connect me with a credit restoration specialist. Keaton was very helpful in getting things cleaned up. I enjoyed working with Keaton. This time I had Complete ID to start with and I was notified of the suspicious inquiries. It was so much easier than the first mess I had - which triggered me to subscribe to Complete ID.

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E. Reyes

May 22nd, 2020 Hayward, CA DETAILS arrow_drop_down
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Excellent. The customer representative was very accommodating, patience and gave his extra miles.

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Paula Basehart

May 21st, 2020 Spokane, WA

I called with an identity theft concern and after a thorough check of the web and dark web I was assigned a case worker for recovery. Within a day I received a followup from my personal case worker. He was pleasant, calm, respectful, supportive and kind. He gave me directions of what to do and said he would follow up in 3 weeks, he also said he was available anytime for questions.

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melissa eads

May 20th, 2020 Killeen, TX DETAILS arrow_drop_down
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very attentive, knowledgeable and patient. Much appreciated.

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beverley silver

May 19th, 2020 Bellevue, WA DETAILS arrow_drop_down
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I'm very disappointed - it's been 5 days since I tried to sign up with you, and I am still unable to "verify my identity" to complete the process, even though I entered my credit card info 5 days ago. I have called repeatedly and gotten different answers each time, I asked for a supervisor to call me yesterday, and no one called me after more than 24 hrs. has passed (I was told someone would), and again today I asked for a supervisor and have not heard back. As a longtime Costco customer, I thought Complete ID would provide high quality customer service. I am disappointed and very concerned that you have my credit card info and are not completing the transaction and not reaching out to me for resolution. Will anyone be contacting me or should I cancel?

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Wassim Khawandi

May 11th, 2020 Richland, WA DETAILS arrow_drop_down
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I was disappointed . When you have an issue of ID Theft you expect the operator to show you that you matter . To the contrary , I called about my SSN being stolen 72 hrs ago and at the time of writing this I have not heard back from complete ID . It may be a routine for them because they perhaps deal with hundreds and thousands of people like me , but to me it is very important and I did not feel they cared !

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Leonard Antick

May 8th, 2020 Chula Vista, CA DETAILS arrow_drop_down
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It's becoming harder and harder to both Complete ID online and access representative assistance. I will say that most of the representatives are dutiful and make every effort to assist. A year or two ago I would have rated the service at a significantly higher level.

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Jan

May 4th, 2020 Geneva, IL DETAILS arrow_drop_down
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I signed up for Complete ID on 4/20/20. I never received any notification that my order had gone through and when I tried to login it tells me that it doesn't recognize my login info. I called three times that evening and spoke to three different representatives with no resolution. If I tried the "reset" option, I never received an email to reset my password. On 5/1/20 I received THIS email to review my experience so that is what I am doing. Before doing this review today, I called Complete ID once more and again the representative could not resolve my problem and is again sending my info to the tech department. I am very frustrated because my credit card has already been charged but I cannot view any information! I will update this negative review if my problem is resolved and I can actually see if I am happy with this service.

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Joseph York

May 1st, 2020 Atlanta, GA DETAILS arrow_drop_down
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The customer service professional was fantastic! She was knowledgable, professional, friendly, and very helpful explaining what my notifications meant and she provided going forward recommendations.

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Reply from Complete ID

May 01, 2020

Thank you for your review and all 5 stars. I look forward to rewarding your customer service professional. Please let us know how we can help you in the future. Thanks, Julie.

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Gerald McBurney

April 30th, 2020 Bertram, TX DETAILS arrow_drop_down
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The lady I talked to was very nice and took all the information but said the retoration people needed to handle this case. Toby called me yesterday but I missed his call. I have tried to reach him 5 times and left a message every time! It is very frustrating when people don’t respond I beginning to wonder why I pay monthly for your service but can’t get any service from you!

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Reply from Complete ID

May 01, 2020

Thank you for sharing your very important experience with us. I have escalated this to the fraud representative and his manager for review. Thank you, Julie

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Chad Lau

April 29th, 2020 San Diego, CA DETAILS arrow_drop_down
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I was put in touch with two professional staff to resolve my issues within 30 minutes which I treasured the most. Thanks.

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Reply from Complete ID

May 01, 2020

Thank you for your review and all 5 stars. The team will be so glad to see your encouraging words. We appreciate you too. Thank you, Julie.

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Douglas Ikemi

April 28th, 2020 Los Angeles, CA DETAILS arrow_drop_down
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Detailed service from the representative

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Reply from Complete ID

Apr 28, 2020

We appreciate your review complete with 5 stars! Please let us know when we can help again. Thanks, Julie.

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Chris Brown

April 28th, 2020 Santa Ana, CA

I spent almost 30 minutes trying to get signed up and it wouldn't work. I finally called customer support with Costco and they said I tried logging in too many times so I have to wait 4 days before trying again. Kind of ridiculous.

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Reply from Complete ID

May 01, 2020

We do apologize for your wait time. 4 days is a long time to wait when you need your information. It sounds like an authentication and security concern. I will share your experience with our product team. We appreciate you taking the time to share with us so that we can work to improve. Thank you, Julie

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hazari kapur

April 27th, 2020 Riverdale Park, MD DETAILS arrow_drop_down
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Best experience. Outstanding customer service

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Reply from Complete ID

Apr 28, 2020

We appreciate your review and all the stars. I will make sure to send your feedback to the representative that helped you. Please let us know how we can help again in the future. Thanks, Julie

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Al Avolicino

April 24th, 2020 El Dorado Hills, CA DETAILS arrow_drop_down
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I was a victim of credit card fraud last September notified you of the fraud. I was told by your representative to contact Trans Union as Complete ID does not do investigative work. Since that time I have submitted reports to Trans Union, Experian, Complete ID and Goldman Sachs who was the backer of the Apple Card Acct. Total false application with all my info on it. You should now have received the report.

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Reply from Complete ID

May 01, 2020

We appreciate you taking the time to share your experience. I will also share this with the fraud department and the product team. Please call us back for further help as we are available 24/7. I hope this helps, Julie.

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Judy Gaughan

April 24th, 2020 Arlington Heights, IL DETAILS arrow_drop_down
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For 3 to 4 months that every time I log in to my complete ID, I had a hard time log in. It’s not a very friendly when it comes to log in, I had to press in forget password, then they will email you, then you change the password. Don’t like it at all.

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Reply from Complete ID

May 01, 2020

Thank you for sharing your experience with us. I will also share this with product team. Please call us if you still continue to have issues logging in. We are available 24 hours a day, 7 days a week to help you. Thank you, Julie.

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Kim Roberts

April 24th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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Thanks for helping me track unauthorized use of my personal information.

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Reply from Complete ID

Apr 28, 2020

We are here monitoring for you 24/7. We are also available for your call 24/7. We really appreciate your review and all the stars. Thanks, Julie.

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Heather

April 22nd, 2020 Christiansburg, VA DETAILS arrow_drop_down
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Noah was so patient and helpful. Excellent t service

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Reply from Complete ID

Apr 28, 2020

Thank you for the review and the 5 stars. We will make sure to thank Noah for his patience and helpfulness. Please let us know when we can help again. Thanks, Julie.

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Matt Bradford

April 20th, 2020 Fort Worth, TX DETAILS arrow_drop_down
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I spent literally 30 minutes on hold waiting to speak to a representative. Once I finally got someone on the phone, they were helpful and thorough in resolving my issue. However, slow response times has me considering switching to another company.

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Reply from Complete ID

Apr 28, 2020

Thank you for sharing your feedback. It is our goal to answer within 20 seconds. 30 minutes is an extremely long time to wait and we apologize. We have had higher than normal call volume. We will keep trying to reach our goal and appreciate any opportunities to serve you better. Thank you, Julie

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Franklin Guillenn

April 20th, 2020 Temecula, CA DETAILS arrow_drop_down
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Your company does not follow through what you say you will do to take care of your clients concerns. I waited for weeks to speak to a supervisor who suppose to call me and never received a call. My concerns were escalated to a specific area that also suppose to call me to resolve my issues I was having with logging into your webpage and look at my records discrepancies. No one ever called for over 5 weeks. I decided to cancel your services due to your lack of costumers service.

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Reply from Complete ID

May 01, 2020

We appreciate you sharing your experience with us. We will use this example to improve our skills. Thank you, Julie.

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Diane Shawcross

April 17th, 2020 Boca Raton, FL

Frustrated. You haven’t been able to verify my identity so many days latter I am still not set up. I have A three day wait before I can try again. Super frustrated!

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Reply from Complete ID

May 01, 2020

We do apologize it takes so long for the authentication to reset. It is a security feature that can be terribly inconvenient. I hope now everything is working great for you and please let us know if we can be of any help at all. We are available 24 hours a day, 7 days a week. Thank you, Julie.

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Jane

April 17th, 2020 , DETAILS arrow_drop_down
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I had a message regarding a credit card we had not used in a long time. When I called Complete ID, they had an actual person answer the phone and they helped me within minutes. It was a valid charge, I just didn't know the company's acronyms. Highly recommend this service!

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Reply from Complete ID

Apr 28, 2020

Thank you for the review and all the stars. We are here to help you 24/7, please call us again anytime. Thanks, Julie.

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Mike H.

April 17th, 2020 Reseda, CA DETAILS arrow_drop_down
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I called them to resolve a suspicious inquiry and they were so fast it takes only minute to gets to the bottom. Am glad to have complete ID monitor my identity.

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Reply from Complete ID

Apr 28, 2020

We are so glad you are a part of Complete ID. Thank you for your review and the 5 stars! Please let us know when we can help you again. Thanks, Julie

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Ann

April 17th, 2020 Nashville, TN DETAILS arrow_drop_down
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Rep was very professional and friendly. Took care of my issue immediately.

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Reply from Complete ID

Apr 28, 2020

Thank you for your 5 star review. We look forward to helping you in the future. Thanks, Julie

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Moniez Herrera-Zamora

April 17th, 2020 Carson, CA DETAILS arrow_drop_down
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Great customer service. Associates are very knowledgeable

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Reply from Complete ID

Apr 28, 2020

Thank you Moniez! We really appreciate your review and the 5 stars. Please let us know how we can help you again. Thanks, Julie.

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Sherri Timmermann

April 16th, 2020 Mt. Pleasant, SC DETAILS arrow_drop_down
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My agent handled my issue promptly and efficiently. Great job!!!

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Reply from Complete ID

Apr 28, 2020

This is awesome to hear. Thank you for taking the time to give us a review and all 5 stars. I will make sure to thank the representative that helped you. We look forward to serving you again in the future. Thanks, Julie.

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David Leftwich

April 13th, 2020 Loudon, TN DETAILS arrow_drop_down
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The representative I spoke with at Complete ID was polite, helpful and thorough in answering my questions. I am totally pleased with their service.

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Reply from Complete ID

Apr 28, 2020

Thank you for the review and all 5 stars! Please let us know how we can help you again. Thanks, Julie.

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Herbert Lee

April 13th, 2020 San Francisco, CA DETAILS arrow_drop_down
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I rec'd an alert and called your customer services. The folk who answered my phone told me that the alert just tells me they find someone using my phone # to open an account. However, it may be someone who got my info and sold it to a marketing company. I don't need to worry too much as this alert does not mean my identify is stolen.

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Reply from Complete ID

May 01, 2020

Dark Web alert for compromised phone number can be confusing. It doesn’t mean you are a victim of fraud but that your phone number was found on the dark web. You may receive suspicious phone calls and would want to be extra cautious with knowing who you are talking to or giving information to. Thank you for your review and the 4 stars. Julie.

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Joe Wilkens

April 9th, 2020 Mt. Dora, FL DETAILS arrow_drop_down
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I think it's a very valuable service. I've received some great help and notifications through the monitoring service. I had to temporarily unfreeze my 3 credit agency reports and called for some help. It wasn't easy to navigate through your website for the info, there is no search box on your site. I had to call 2 times for help and both times I ended up getting cut off. By then, I had contacted the credit agencies either through their website or phone to accomplish the unfreeze.

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Reply from Complete ID

Oct 29, 2019

Hi Joe. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy

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Hapinapi

April 8th, 2020 New York, NY DETAILS arrow_drop_down
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I have mixed feelings. Once connected I have been satisfied with the service. However, getting connected is seems always to be problematic. Timing out when I followed followed directions not being able to connect having to double enter. Face ID is not consistent.

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Reply from Complete ID

Apr 28, 2020

Thank you for sharing your feedback, Hapinapi. Please call customer service who is available 24/7 to report your issues further. We can submit a technical ticket and try to resolve your issue. Thanks, Julie.

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Lanny Mullens

April 7th, 2020 , DETAILS arrow_drop_down
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I liked that Complete ID notified me that something unusual was going on. I didn't like that I didn't have an easy way to verify that I was actually talking to a Complete ID representative when I called.

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Reply from Complete ID

Apr 07, 2020

Thank you for giving us your review and sharing your feedback. We are available 24/7 by directly calling 855-591-0202. Thank you, Julie

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Stuart Rosenthal

April 7th, 2020 Ponte Vedra, FL DETAILS arrow_drop_down
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Customer service rep was courteous, interested in solving the problem, and very knowledgeable. I was very satisfied with the results.

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Reply from Complete ID

Apr 07, 2020

We really appreciate you taking your time to give us a review. Thank you for the 5 stars. -Julie

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Don Tîmmermann

April 7th, 2020 Sparks, NV DETAILS arrow_drop_down
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Keeps me up dated on my special info. Great feature..

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Reply from Complete ID

Apr 07, 2020

We really appreciate you taking your time to give us a review. Thank you for the 5 stars. -Julie

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Janet B

April 7th, 2020 Bonney Lake, WA DETAILS arrow_drop_down
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I always worry when I get an email about my ID. I call and get told what the email is about. The team is always professional and kind. It costs less than other ID protection companies but gives equal or better service.

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Reply from Complete ID

May 06, 2019

Hi Janet. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'

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Sam Zytcer

April 7th, 2020 Phoenix, AZ

Easy access when I had a question. Hardly any wait time . The other major ID company it was difficult to speak to a person and the wait time was ridiculous.

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Reply from Complete ID

Apr 07, 2020

We really appreciate you taking your time to give us a review. Thank you for the 5 stars. -Julie

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Karen

April 2nd, 2020 Bloomfield Hills, MI DETAILS arrow_drop_down
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The woman that we spoke with was very helpful. She explained what might have caused the alert and provided suggestions on what else to do.

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Reply from Complete ID

Apr 07, 2020

Thank you for taking your time to leave us a great review. Please let us know how we can improve and earn even more stars from you in the future. Thank you, Julie.

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Eleanor Van Wagner

April 2nd, 2020 Boerne, TX DETAILS arrow_drop_down
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From the day that I called totally panicked to the other day just needing to update some information, each person have always been very helpful and friendly!

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Reply from Complete ID

Apr 07, 2020

We really appreciate you taking your time to give us a review. Thank you for the 5 stars. -Julie

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Gloria Zacek

April 2nd, 2020 Katy, TX DETAILS arrow_drop_down
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The rep was very helpful on my phone call! Thank you

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Reply from Complete ID

Apr 07, 2020

We really appreciate you taking your time to give us a review. Thank you for the 5 stars. -Julie

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Ron Zaffino

April 2nd, 2020 Redmond, OR

Excellent attention when making inquiries about alerts.

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Reply from Complete ID

Apr 07, 2020

We really appreciate you taking your time to give us a review. Thank you for the 5 stars. -Julie

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Thomas Keller

April 2nd, 2020 South Lyon, MI DETAILS arrow_drop_down
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I responded to a notification of a potential "dark web" phone number compromise. I was guided through the inquiry very efficiently and professionally. The resolution of the problem was carefully explained. Ended the process feeling very confident!!

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Reply from Complete ID

Apr 07, 2020

We really appreciate you taking your time to give us a review. Thank you for the 5 stars. -Julie

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Paul T

March 31st, 2020 Milwaukee, WI DETAILS arrow_drop_down
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Great service! Real people who communicate quite well.

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Reply from Complete ID

Apr 07, 2020

We really appreciate you taking your time to give us a review. Thank you for the 5 stars. -Julie