- Complete ID
Complete ID
check_circle VerifiedComplete 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*.
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."
Read on to learn more about Complete ID's services and to read verified Complete ID reviews from customers.
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 each Executive Costco member.
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). In terms of credit monitoring, the company offers monthly credit score updates (VantageScore), annual three-bureau VantageScores, annual three-bureau credit report, a financial dashboard, and credit alerts.
Potential customers should note that the company's credit monitoring service 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 its credit monitoring service, 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 for the theft. 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.
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
531 Reviews
Review Breakdown
Sentiment Criteria
BobS
Was considering Complete ID but had questions/concerns. The wait times for a rep were long but for something as important as ID protection I figured it was worth the wait. When Brenna came on the line she was very professional and polite. She answered all questions to my satisfaction and I decided to go ahead and sign up. She offered to do it for me or I could go to the website and do it. I felt better about signing up with her assistance and so we did. The process was painless. Based on my experience I would recommend. I also signed my wife up as well.
Reply from Complete ID
Dec 12, 2018
Dear Bob, I am glad that you had a good experience with Brenna. I think one of our best features is our US-based support and dedicated restoration team. As a side note, we usually have very short hold times. However, a recent data breach has created a high influx of call volumes. We look forward to serving you in the future and we are happy to have you and your wife in the Complete ID family. Sincerely, Josh
Terry
Very long call wait time in excess of 20+ minutes. When finally reached advised the counselor I have had a security breech, She took my information and advised me she would have someone call me back the next afternoon (last Friday). To date no calls have been received. I have tried calling again yesterday and again today with long wait times and never actually spoke to anyone. Not sure what services I am paying for. Thought if Costco thought your services were excellent that I could trust your services. I am not feeling like this was a good choice. want a supervisor or someone n Costco to call me so I can resolve my security breech.
Reply from Complete ID
Dec 12, 2018
Hi Terry, I am sorry that you had a poor experience. We pride ourself in best-in-class support and restoration so as you can imagine, it is extremely important to hear when we do not meet our member's expectations. Over the last week we have been swamped with calls due to the recent data breach. However, it is extremely important that we are able to help restore your identity in a timely manner regardless. I am forwarding your message to our Customer Experience Manager. Will you please email and we will take a second look at your case? Sincerely, Josh
Ruth Chan
It's mostly fine. Unfortunately, the only way to contact customer service is by phone and you must wait 15-20 minutes before getting a live person. Not that long, but when you're anxious about ID theft, well....
Reply from Complete ID
Dec 12, 2018
Dear Ruth, I apologize for the long hold times. Our call centers have been completely swamped over the last week due to the recent breach. I just called in and was able to get a support rep quickly. If you still need assistance, feel free to call again or email . We hope to serve you in a more timely fashion in the future. Thank you for being a Complete ID member. Sincerely, Josh
Anthony Russell
I opened a savings account. In two days I received a email notice from Complete ID, that someone opened an account in my name. I find this very reassuring. I called Complete ID just to let them know that it was a valid transaction and ask a few other questions. The support was great, no rushing me off the phone. They were very helpful. Worth the money. Thank you.
Reply from Complete ID
Dec 12, 2018
Hey Anthony, Great to hear that you have had a positive experience with our support team. As a Complete ID member myself who has had to call in multiple times, it always makes me feel proud to work here when I get to talk to a knowledgable expert. Thank you for being a Complete ID member and we look forward to serving you in the future. Sincerely, Josh
Chris
Horrible. On hold wait times over 30 minutes. Agents less than helpful. Service has declined recently. This used to be a service I valued for my money. Now it is becoming a hassle that I pay for
Reply from Complete ID
Dec 12, 2018
Hi Chris, I am sorry that you had a negative experience. It is important to us that we provide best-in-class support. Our team has been swamped with high call volume over the last week due to the recent breach. We apologize that you had to wait so long. If you would like us to take another look at your case, please email us at . Thank you for being a Complete ID member and we appreciate your patience during this time. Sincerely, Josh
William Miska
Took over 12 minutes before speaking with alive person which is unacceptable. Person on the phone was very nice
Reply from Complete ID
Dec 13, 2018
Hi William, i appreciate you raising your concern with the hold time. We are experiencing long hold times due to the recent breach and we strive to answer the phone quickly. We look forward to serving you in the future with prompt response. Sincerely, Josh
Vic
My e-mail directory stated that Complete ID found a match. I called and the customer service representative immediately put my mind to rest. The match was a match to my zip code telling me that there was a person convicted of a sex crime in my town. I was relieved that there was nothing that threatened my credit or my bank account. The representative was just wonderful, patient and understanding.
Reply from Complete ID
Dec 13, 2018
Vic, thank you for the positive feedback. I am glad that our support rep was able to provide you a great member experience. Sincerely, Josh
Otto Benitez
She was very helpful on the problem that explain to her, and help me to find a solution on what I need to do.
Reply from Complete ID
Dec 13, 2018
Otto, thanks for your positive review. We look forward to continuing to serve you in the future. Sincerely, Josh
Ed DeMichele
Excellent phone service with fast phone help. Thanks for being there!
Reply from Complete ID
Dec 13, 2018
Ed, glad you had a great experience. We look forward to helping more in the future. Best, Josh
Clayton Au
Horrible time ,terrible phone Sevice,dropped calls six times I gave up trying again.
Reply from Complete ID
Dec 13, 2018
Dear Clayton, we apologize for the long hold times. In general we answer over 70% of calls in less than 30 seconds. However, the recent data breaches have completely weighed down our call center and it makes us very frustrated when members are not able to connect quickly. If you were unable to solve your problem, will you please give us a call at . We look forward to serving you more promptly in the future. Sincerely, Josh
Gary in Pittsburgh
I received an email indicating a match with my identity information, but couldn't find it on the website after I logged in. I called and the representative determined that the alert was someone with a criminal background had moved into my neighborhood. This was accomplished pretty quickly. Its a pleasure dealing with someone competent and professional who can resolve problems quickly.
Reply from Complete ID
Dec 13, 2018
Gary, thanks for the positive feedback. We look forward to continuing to serve you in the future. Sincerely, Josh
Patsy
Great responses and super helpful - I had a problem with a company that had not cancelled an account in a timely way.
Reply from Complete ID
Dec 13, 2018
Patsy, thanks for the positive feedback. We look forward to continuing to serve you in the future. Sincerely, Josh
sam's mom
Have had this service for almost a year now. Most notifications have been about sex offenders moving into the area. A few others were about possible email hacks. Sometimes an email notification would arrive and when I'd log on and go to "notifications" button all that would show up were those old email ones. Finally called to find out why these emails are alerting me to old info. The customer service rep said you have to go to the pull down menu at the top of the page and go to each category to see if there's an alert there for any of those categories. Found out that "notification" button only shows "dark web" alerts. So why on earth would there NOT be a main page "notification" button that will show you all your alerts??? Plus the alert that he found for me from that day's email was for an address change that happened over a month ago. Not very timely monitoring. On the plus side he was very helpful. Not sure if we'll keep this service or not going forward.
Reply from Complete ID
Dec 07, 2018
Dear Sam's Mom, Thank you for the review and we appreciate the honest feedback. We are in the process of overhauling the interface over the next year to make it more user friendly. It is important to us that you have a great user experience and we have already started to implement some of the changes with this project such as a welcome series for new users. In the meantime, we will alert you immediately if we detect any changes to your personal information. Additionally, if your identity is stolen, we will provide you a dedicated restoration specialist to help restore your identity. If you have any questions, feel free to reach out at . Sincerely, Josh
bert H
called about placing an alert on my account t with all 3 credit bureaus to call me first before giving out my credit information. Customer service person very helpful in helping me with my request.
Reply from Complete ID
Dec 12, 2018
Bert, we are glad that you had a positive experience. Thank you for being a Complete ID member and we look forward to serving you in the future. Sincerely, Josh
Jenny
Timely addressed my issues and explained how theyd be able to help
Reply from Complete ID
Dec 05, 2018
Jenny, we are glad you had a great experience. We look forward to serving you again in the future. -Josh
Ernie Linkous
Prompt and excellent service. My situation was resolved in one call.
Reply from Complete ID
Feb 06, 2019
Ernie, thanks for the positive feedback. We look forward to continuing to serve you in the future. Sincerely, Josh w/ Complete ID
marcus cassimus
I called and asked a couple of questions and the gentleman helped me immediately and was very courteous
Christine Pietsch
Signed up beginning of November and Experian still has not been able to verify information. Even faxed items etc. They claim the system verification is done and to check back each week, and each week I get the same story.
Reply from Complete ID
Dec 05, 2018
Sorry to hear that you’ve been having trouble authenticating. We are in the process of updating our authentication processes to improve the member experience. I apologize for the inconvenience. Please try to enroll again within the next few days. Feel free to reach out to us at if you have any questions.
BT
I have had the worst experience with Complete ID (so far). I attempted to sign up on Saturday. It said I had to call to talk to someone which I did on Sunday. That call lasted a while and ended with me having to call back on Monday (which could have been stated at the start) On Monday I had to call in 3 times as I was disconnected once and transferred to the wrong department. Then I was finally told that an additional investigation on my sign up had to take place and they would call back in 3-5 days. I am just trying to sign up for service. I have great credit. I just ran a report and it was clean. We are just looking for better protection. I hope these comments help. I’m losing faith in this company as a service.
Roberto Castro
The two representatives I contacted about a breach of my personal information provided sound advice and recommended actions I had to take to minimice my problem.
Reply from Complete ID
Nov 27, 2018
Hi Roberto, Thank you for your feedback. We are glad that we were able to support you. Thanks, Josh
Mary E. Smith
Excellent experience, my problem was solved in minutes. I am encouraging my children to enroll.
Reply from Complete ID
Nov 27, 2018
Hi Mary, Thank you for the positive feedback. We look forward to serving your children. Thanks, Josh
Jessie L
Advise about a ssn alert as something fraud. They refused to take further action unless I could prove with a credit bureau and prove my identity has been used. Very poor customer service received by agent
Reply from Complete ID
Nov 27, 2018
Hi Jessie, We are sorry that you had a negative experience. We want to make it right. Would you mind sending an email to ? I will let them know that you will be emailing them. Thanks, Josh
Tess
I've just gone thru a scary situation where someone accessed my debit card for online purchases. Thanks to my bank, all has been fixed. But I never heard a word from Complete ID about any of it. Not worth the money, even though it's cheap.
Reply from Complete ID
Nov 27, 2018
Hi Tess, thank you for providing your feedback. I will forward this information along to our product team. When designing the product, we wanted to provide services that are adjacent to what is provided by your bank. If your identity is ever compromised and your bank detects the breach, you can always work with our restoration team to contact your bank and take other necessary actions to prevent future fraud. Feel free to reach out to us at if you want to have a conversation. Sincerely, Josh
Kelli
I like that I dont need to worry about my credit. And when I have to call it is very fast and convenient. I get monthly updates about myself.
Reply from Complete ID
Nov 27, 2018
Hi Kelli, thanks for sharing your positive experience. Sincerely, Josh
Gary Biz
We subscribed because someone obtained a credit card in our name and used it to run up a big bill 2500 miles from where we live. So far, we've been impressed by the helpful people we've spoken with. I feels good to know that we have quick access to our credit information and help is just a phone call away if we have further fraud issues.
Reply from Complete ID
Nov 27, 2018
Hi Gary, thank you for sharing your positive experience. We look forward to serving you more in the future. Sincerely, Josh
Billy N
The rep Ricky was very helpful and provided me with some information & security tips I found very helpful. Very positive exoerience giving me peace of mind.
Chris
I have been billed for several months without any access to my account. I have called multiple times and never get the password reset despite them having the right contact information. They can get me surveys but not access to the system
Reply from Complete ID
Nov 27, 2018
Dear Chris, it is important to us that you can access your account. Will you please send our team an email at . I will let them know that you will be sending an email. We will take a second look at your case. Sincerely, Josh
Thomas
Unable to verify my identity due to some unknown “glitch” that IT has yet to correct! Very dissatisfied with what appeared to be a seamless process with completing my enrollment. I have been instructed to check weekly for a remedy and I await a call from a Supervisor in Customer Service as to when all is ready for my complete enrollment.
Leonard Antick
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.
Gerald R. Shanks
I forgot to change the credit card number when I received a new card. The representative that assisted me was very professional and made the change easy to do. I think her name is Ashley. She is a great asset to your company.
Omar Torres
If I could leave zero stars I would. Encountered incompetence, unprofessionalism, and lack of follow-through at every turn.
Reply from Complete ID
Nov 27, 2018
Dear Omar, I am sorry that you had a negative experience. It is important to us that members have a best-in-class experience. If you are still having trouble or would like to bring any issues forward to our team, will you please email us at ? We want to make it right. Sincerely, Josh
Chris
The rep. that I spoke to, Ed, was pleasant and was able to get the process going to fix my problem. TY.
Glenn H
I have been with Complete ID for several years. A couple of years ago they led me by the hand through a terrible identity theft/credit card situation. In the end it was fixed with no out of pocket financial damage to me. Just recently my wife experienced a similar credit theft attempt using her information. She was not included in the Complete ID protection at the time. She/we called Complete ID and were led through the process of getting her signed up and instructed in the steps to get credit freezes and signing her up with her own Complete ID account. A very nasty situation took very little time to make disappear and get her covered to prevent further credit theft situations in the future.
Bogart Moran
I have been trying to join Costco’s CompleteID identity protection, since Sunday, Nov. 11 and it’s now Thurs. Nov. 15, and have been having difficulties setting my account. Customer service has not been able to resolve the situation. I have not been able to authenticate any of my information like they’ve offered me, and have not received calls back like they promised. I am very disappointed and will cancel any transactions soon for lack of professionalism and support.
Steve
I'm pretty happy with this service. The monitoring does pick things up and I the one time I had to call in, I got good info. It's a good value for the money - glad I switched from Life Lock.
Anthony
The current medical insurance monitoring is limited to 2 account numbers. Since Medicare is issuing new cards with a new account number, provision should be made o monitor the old and new number. Suggest this monitoring be opened to 3 account numbers
Jane
I have always found Complete ID very helpful and supportive in answering my questions thoroughly and clearly . I’m very pleased and confident in my choice with Complete ID. ☺️
Reply from Complete ID
Nov 14, 2018
Jane, thank you for the kind words. It makes us happy to know that you find our team helpful and supportive. We look forward to serving you more in the future. Sincerely, Josh
J. R. SWANSONringsted
My experience was thorough and helpful and we were able to reach a syccessfyk conclusion.
Reply from Complete ID
Nov 13, 2018
J.R., thanks for the positive feedback and we look forward to serving you more in the future.
Aaron Gardner
When i needed there help getting my credit report when I was going to buy a new car they said i needed to log in i told them i can't I've never been able to get logged in since day one they said sorry waste o f my money!
Reply from Complete ID
Nov 13, 2018
Hi Aaron, We are sorry that you have had trouble logging in. We want to make sure you are able to access your account. Will you please email us at ? Thanks, Josh
Martin Kiker
John was very helpful. He was professional and opened an investigation into my issue immediately. It has only been a day, so I still waiting on the findings.
CDM
Highly recommend Complete ID. Representatives are great 👍and very helpful.
Reply from Complete ID
Nov 14, 2018
CDM, thanks for the positive recommendation. -Josh
David
After the husband enrolled he went to enroll his wife. Complete ID was not able to access the wife's credit file. Called the representative for a solution. Representative accessed the credit file for the wife but was unable to proceed with the enrollment for the wife. Told to wait a week for the system to resolved. Husband promptly cancelled his enrollment.
Kathy
The gentleman that helped me with logging back in to my account was very nice. When I said thank you and was ready to hang up he asked if he could help with any questions. He stayed on the phone and explained everything to me. Thank You!!!!
Reply from Complete ID
Nov 06, 2018
Kathy, I am glad that you had a great experience with our support rep. We look forward to continuing to serve you. -Josh, Complete ID
Mina Gendi
Completely unsatisfied. I called to inquire regarding a significant dip in my credit score, and they provided ZERO help/insight.
Reply from Complete ID
Nov 06, 2018
Dear Mina, I apologize that you did not receive the help and insight that you are looking for. If you are interested in re-engaging with our team, please email . We would appreciate the opportunity to have another conversation. I have briefed our team on your issue. Sincerely, Josh
Joseph Tapia
I tried to sign up but was not successful. I was trying to sign up my wife, I must have answered a question wrong because it would not go accept.
Reply from Complete ID
Nov 06, 2018
Dear Joseph, Thank you for signing up for Complete ID and I am sorry that you had a difficult time authenticating. It can be frustrating to sign up for something and not have it work. If the issue has not been resolved, will you please reach out to our dedicated support team at ? Thank you for your business and we hope to get your situation worked out. Sincerely, Josh
Andrew Bramasco
My complete ID representative was able to help me take action against a potential phishing threat and guided through steps to freeze my credit.
Reply from Complete ID
Nov 06, 2018
Andrew, thank you for your review. I am glad the representative was able to help guide you through the steps to freeze your credit. -Josh
Elizabeth Benz-Rosenberg
Customer service representative was very helpful and answering my questions and telling me where I needed to go in the computer to look up the information
Reply from Complete ID
Nov 06, 2018
Elizabeth, thank you for your review. I am glad that you had a great experience with our customer service representative. We look forward to continuing to serve you. -Josh
EdM
Your representative helped me change my password. She was pleasant and very professional.
Reply from Complete ID
Nov 06, 2018
Ed, thank you for your review. We are glad that you had a good experience. -Josh
Frank B Bontempo
they immediately told us what we needed to do when someone opened an account with our information on but it was not us who opened the account and they have been working with us ever since.
Reply from Complete ID
Nov 06, 2018
Mr. Bontempo, thank you for leaving your review. We know that it can be stressful when somebody steals your identity. It makes us happy when we hear that a Costco member has had a positive experience working with our restoration team. -Josh
George
Customer service was very good. What I am not happy was the password that I had been using, for some reason , was invalid. Using the Forget the Password option was no help. This option kept telling me the new password did not match. I had to call customer service to resolve it. Frustrating.