Complete ID, formerly known as Premium Identity Protection, is an identity protection company based in Austin, Texas. Complete ID’s goal is to “deliver complete peace of mind at the best possible price.” Complete ID is partnered with Costco and provides a discount to Costco members.

Rank Chart
Identity Protection









The Good

  • Affordable Plans
  • Monitoring Services
  • Identity Theft Insurance

Affordable Plans

Complete ID’s identity protection plans range from $8.99 to $13.99 per month for Costco members. Consumers who are not Costco members may take advantage of Complete ID’s services for $19.99 per month.

Monitoring Services

Complete ID offers a number of monitoring services, including credit monitoring from all three major bureaus (Experian, Equifax, and TransUnion), financial account monitoring, and social security number monitoring. If any suspicious activity is detected, the company will issue a fraud alert to the customer.

Identity Theft Insurance

Complete ID provides its customers with up to $1 million in identity theft insurance with no deductible. This policy covers and reimburses expenses in the event of identity theft.

The Bad

  • Lack of Services
  • No Antivirus Software

Lack of Services

Complete ID does not provide a number of important services, including internet scanning and medical and tax identity recovery. It is unclear whether or not the company treats preexisting conditions or offers limited power of attorney.

No Antivirus Software

Complete ID does not offer antivirus software to protect sensitive data on its customers’ personal computers.

The Bottom Line

Complete ID offers a number of affordable plans, several monitoring services, and up to $1 million in identity theft insurance. However, the company does not provide internet scanning, medical or tax identity recovery, or antivirus software.

More Information

Price Breakdown

Costco members can take advantage of Complete ID’s Executive plan for $8.99 per month or its Gold Star plan for $13.99 per month. Non-Costco members can enjoy Complete ID for $19.99 per month.

Contract Details

In no way does the following summation strive to compensate for reading the actual terms of service or contract provided by Complete ID. Please refer to the company’s website to read these documents in their entirety.

Personal Information

Complete ID collects personal information from its customers. This information is generally used to process customer requests and transactions, provide high-quality service, tell customers about opportunities that the company thinks will be of interest, and administer to customer accounts.

Company History

Complete ID, formerly known as Premium Identity Protection, is an identity protection company based in Austin, Texas. Complete ID’s goal is to “deliver complete peace of mind at the best possible price.” Complete ID is partnered with Costco and provides a discount to Costco members.

Frequently Asked Questions

What is identity theft?

Identity theft occurs when someone’s personal, financial, or medical information is stolen and used by another for their own gain.

How much do Complete ID’s services cost?

Complete ID’s identity protection plans range from $8.99 to $13.99 per month for Costco members. Non-Costco members can take advantage of the company’s services for $19.99 per month.

Does Complete ID allow me to protect my whole family?

Yes, the company does allow individuals to add family members to their plan. However, there are additional monthly charges for each person added to the plan.

How does Complete ID protect my identity?

Complete ID provides credit monitoring, financial account monitoring, social security number monitoring, and fraud alerts in an effort to protect its customers’ identities.

Does Complete ID provide identity theft insurance?

Yes, the company offers up to $1 million in identity theft insurance with no deductible.

Does Complete ID monitor my bank accounts?

Yes, Complete ID offers financial account monitoring.

Does Complete ID offer any promotions?

No, the company typically does not offer promotions.

How can I contact Complete ID?

Consumers may contact Complete ID by phone at 1-800-774-2678 or through an online form on the company’s website.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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16 Complete ID Reviews

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  1. User Score


    March 28th, 2017 San Jose, CA

    What a joke this is. One you will never get a hold of anyone and when you do they are NOT helpful. canceled after a few months and still feel violated.

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  2. User Score


    November 7th, 2016

    Please don’t waste your money, your time and your high valued personal information. This company will sell your information, soon after your sign up with them, be prepare for tsunamis of telemarketing calls and offers nationwide. Also, it seems they cant even get there stuff right, three times they kept charging my card with wrong billing address despite having given them the right one.
    I ended up signing up with wells fargo ID monitor and getting better result and no sale of private information to third party.

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    6 2

  3. User Score


    October 27th, 2016 Walnut Creek, CA

    The complete ID generates suspect information, and does NOT provide any actionable information. I’ve had the service for awhile. I received an identity notification. I login and Complete ID tells me in a notification that they found my email address and some password on the internet.

    They suggested I change my password. I called and worked my way up thru a supervisor to find out about this so called information.

    #1 – Complete ID cannot tell me where they found this information. This is a problem as it does not give me any actionable information so that I can access the validity of their information. Was this information garnered from the dark web, or Jim Bo’s prank site on youtube.

    #2 – They have found my email address and a password on said “bad site.” However, they cannot, or will not tell me what this bad site actually lists the password as!

    The reason the above information is important is it is crucial in me determining IF this is a legitimate threat. My email address is ALL OVER the internet as I am a business owner with published email address. That same email address is used on at least 70-90 different accounts. How am I to determine which account needs the password changed on, if they will not tell me which password they uncovered, nor the site being referenced.

    As far as I know, it could be Billy Bob at complete ID sitting in a back room trying to make customers feel like they are getting value out of the service they are paying for. (Obviously not possible with a legitimate business you say….tell that to Wells Fargo Customers that had Millions of bogus accounts created in their names by a fine upstanding business!)

    Bottom line, complete ID provides no useful information that a customer can actually use to determine if they are subject to a breach. If there system is not advanced enough to copy down said information, or tell me where said information is supposedly located, its worthless. I will not change my individual passwords on 70-90 different sites.

    We have cancelled our service. We would still be a customer had I received what I thought I was paying for:

    Dear MR XXX,

    We have found your email listed at this site: It is listing this password (specific password) We encourage you to take appropriate action and change your password for this site.

    Instead what I got was nothing but questions, and the realization that I’m not actually getting what I am paying for.

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  4. User Score


    October 8th, 2016

    i ordered a fan through the costco website recently, the next thing you know my Chase Freedom credit card’s information is stolen. I was so glad that my bank contacted me immediately about the suspicion usage on my credit card. I am never going to shop on the costco website ever again.

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    5 6

  5. User Score


    September 19th, 2016 Naples, FL

    if you need to reset your password they send u a link . PROBLEM , it doesn’t work with Microsoft web browser EDGE . so u cant reset your password . call customer service , they admit to the problem and suggest you download another browser like google chrome and start using that .

    if these guys cant even get their website to work with the #1 used browser in use , can u trust them that there software well actually work to protect your identity ? no wonder these guys have some of the worst reviews out there . Costco needs to allow members to rank this service on their website.

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    4 13

  6. User Score


    September 9th, 2016 San Antonio, TX

    I actually had my identity stolen thanks to a leak by the federal government. Over 50K in credit card damage. I purchased the Costco Complete ID right afterwards and they have lead me step by step on how to recover and prevent this from happening again. They answer the phone 24-7 and have always been super helpful. And so grateful to this company and will continue to use them.

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    10 1

  7. User Score


    July 31st, 2016 Morrison, CO

    Like all of Costco’s other affiliates, the company is first class. The negative review above is obviously by one of their competitors who are threatened by this Costco partnership and trying to discourage Costco members from signing up. They even recommend themselves. Shameful! I’d be surprised if they even print this review, unless they just don’t bother to read it first.

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    8 2

  8. User Score


    July 15th, 2016 Jacksonville, FL

    been a member of this service Costco CSID for about 6 months, never had a need to call in until they sent me an alert that a derogatory item had been added to my credit report. I called them to tell them that I had never heard of the company, the girl that answered was lost and finally hung up after I spelled out my email address for the 3rd time and she still didn’t get it.
    I called back to talk to a supervisor and another representative was going to handle the item but told me I could call the creditor and gave me the number. This service is completely worthless and I cancelled after the 2nd call. Good riddance.

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    13 1

  9. User Score


    July 11th, 2016 Troy, MI

    I tried to sign up online my wife tried to sign up online and it wouldn’t take our information. They have no idea why. After reading the reviews I think I’ll try another identity protection company.

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    7 1

  10. User Score


    March 3rd, 2016 Rialto, CA

    Easy to enroll, but could not give me an invoice or proof of payment. It did not register my Costco Executive membership and charged me $19.99 for 1 month, and they would not refund me the first month after being unsatisfied by their billing process within 20 minutes of signing up. Not sure what kind of company would not provide a proof of payment or an invoice, but this is a path I do not want to go down. I’m sure the protection is adequate, but if i’m paying for a service, I rather pay for a good service.

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    17 1

  11. User Score


    February 24th, 2016 Novi, MI

    easy to enroll, has same level protection as so-called “top of the line” company…all questions answered fully prior to enrollment.
    Main reason you can’t get info is because they only give out info if you are a Costco member.

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    16 1

  12. User Score


    December 21st, 2015 Roseville, MI

    I was on hold for 1 hour to talk with them about a question, I stepped away to go to the restroom for 2 minutes and they hung up on me.

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    19 5

  13. User Score


    November 4th, 2015 East Quogue, NY

    I became a member 2012,had my cards hacked three times never heard from I.G. The credit card companies sent me alerts immediatly.I felt I.G. should have knowledge of of the problem.I have called them numerous times as to wrong info in my file they have done nothing to fix this problem

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    27 1

  14. User Score


    April 3rd, 2015 Hood River, OR

    They sold my information and phone number! Now Im pluaged with bills from my x husband from 15 years ago!
    Also all kinds of “ads” by pjhone
    no thanks cancel me!

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    27 5

  15. User Score


    February 27th, 2015 San Diego, CA

    Identity Guard is a company that does not have good business practices. After keeping the account for over 2 years my credit card on the account expired, a little after that i went in there and changed credit card expiration date , they charged and and somehow for non-payment (again i was actually charged) then they cancelled my account.

    Despite talking to several account reps they said that they can not reinstate me and i have to start again with a new account (at 3 times the cost). Even though very frustrated i did. Now i learned that i was being ‘misinformed’ and i could have asked to be reinstated but not any more because i was 90 days late (now, not then). Costco needs to know the business practices of IDENTITY GUARD and how they do the bait and switch type activity to their corporate members.

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    30 2

  16. User Score


    February 27th, 2015 Aptos, CA

    I have tried to purchase the product through Costco. I am an attorney who holds credit cards issued with my business address and with my home address. With my Name, both addresses, American Express Card number, Costco number, phone numbers and e-mail address the intake system is unable to identify me. I have answered the questions but the system does not believe the answers. I have a credit score in the 800 range so have lots of credit. I have tried to process this on the computer on two different days, and talked to three of live employees. I think the company needs to have better questions Like “home address” or “business address” or the address on a certain credit card. There is no way that I will be able to identify myself for this program or for the employees who can’t find even my name anywhere. There is always something wrong with the imput and then I am blocked out. The company was able to charge my card for $1.00 so ????????? what’s up with that????

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    45 1