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*.
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.
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."
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.
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.
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."
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.
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.
I switched from Experian to complete ID because of its competitive pricing. You get what you pay for. Experian offered a more up to date credit report which let's you know how you are doing credit wise.
Reply from Complete ID
Oct 29, 2018
Dear Jay, Thank you for leaving your review. When you enroll in Complete ID you should have received your complete 3-bureau credit report from Experian, TransUnion, and Equifax. If you are having trouble accessing your full credit reports, will you please reach out to us at ? I have already briefed our team on your review and they will be more than happy to help. Sincerely, Josh.
I was so frightened about the prospect that someone could possibly be using my name or financial info that I tried to do a number of things on my own to make sure. I was having an awful time and then I saw this service in my Costco booklet. I am so glad that I called. I now know just where I am at and, thankfully, it was all a false alarm. Huge weight lifted! I had so many questions that I am surprised I did not wear those nice people out who were on the phone with me. Every one of your customer service people were so nice, so patient and so helpful. I even wrote down their names so you would know who they were and how grateful I am to them. The first one I spoke to was Logan. The second person I spoke to was Patrick. The third person I spoke to was Edwin. You need to know they were very kind to me. Thank you for being there!
I signed up after I experienced an identity theft. I am impressed with the online reporting, and even more impressed with the accessible and knowledgeable employees who helped me deal with the many issues surrounding an identity theft.
The agent quickly took care of my concerns......she was efficient and knowledgeable.
I received a GoBank.com debit MasterCard in the mail. I called Complete ID that evening. They took all relevant information. The next day a rep, from Experian, called back. We called the bank together. GoBank must be getting a lot of calls. They had a fraud line option and the rep closed the account immediately. The service from Complete ID was very helpful and quick. Glad I signed up with them.
Things aren’t working well. The app has been unable to load any content or reports or scores for several days now. Three calls to customer service and they’ve said it’s a known problem and they’ll call me when it’s fixed. So far, nothing. They also offer access through a web browser but it’s had its own issues and I’m paying for a service with an app, I want the app to work. Still, after unsuccessful attempts to buy more updated three bureau report through the app, I logged in online and tried the same with no success. A few days later, I saw they had charged my credit card anyway and I called customer service and was told the report was available online now, which it suddenly was (and dated two days after I had tried to buy it). During my first two calls to customer service neither rep was able to pull a report either, though they did offer to do so at no cost since the app wasn’t working. Bottom line: If they don’t fix the app soon there’s no reason to keep their service. Now, for $8.99/month as a Costco exec member, I think their offering is competitive assuming things are running. Other services give you more. For example, I had Privacy Guard before Complete ID and PG issued a three bureau credit report every month at no extra charge. Complete ID wants $9.99 each time. They do give you one “free” report per year but so do all three credit bureaus, so nothing special there.
Reply from Complete ID
Oct 25, 2018
Dear Sam, Thank you for being a valued Complete ID customer. As a Costco member, it is our goal to give you the best experience possible and we are sorry to hear you are having issues with the mobile app. I have raised this to our mobile team and they mentioned that they just pushed an update for Apple devices which may have fixed this issue. If you are on iOS, will you please update your device and see if the problem is fixed now? Regardless, please send me an email at and we will take another look at your issue. We appreciate your business and look forward to talking to you soon. Sincerely, Josh
Great registration experience...easy. Appreciated by EOD the initial report on all aspects of my information submitted for monitoring.
Credit Scores are not inflated because they are calculated on partial data similar to creditKarma.
Just cancelled. Disappointed in Costco to promote and offer such a bogus product. I but a fraud alert on my credit report at Experian's web site and was notified by Capitol One CreditWise the next day that there was a change made to my report. The information came from Transunion. Incompetent and inexcusable that Complete ID would not have the change and update to my account immediately. A big waste of money IMO. You could be wiped out waiting for a notice from them.
I had a notice that a credit card was issued in my name from completeid on Saturday. I called completeid and a yawning gentleman gave me incorrect numbers to call to stop what was happening. The 'restoration' team doesn't work on the weekend when in fact fraud most likely occurs. They were supposed to call me back. I have called every day since last Saturday and no one has called as yet. I have spent over 22 hours online and on the phone trying to get this resolved. You cannot every reach experian equifax or transition by telephone. Two our of three of these credit bureaus websites were down between Saturday evening and sunday. So a credit card was issued since it was first reported with a credit line of $5k. Completeid was of NO HELP AT ALL. At this moment I just hung up on the supervisor at completeid who gave me the same I'm sorry story and said she would have someone call me immediately. That was hours ago. Don't bother with this company and am shocked at CostCo for offering them as a service.
I signed up for Complete ID as part of a study and now I can't get into the website and when on hold I'm on hold for over an hour at a time before giving up. When trying to change my password it goes to an error screen. Complete ID is the worst!!!
I opened Costco complete ID account 10minutes back. After opening account, I was logged out soon after, and now I can't log back in with my userID and password. Tried to reset the password, but, it doesn't send any e-mail to reset password. I tried to call customer service but no body picks the phone, it's a dead system. I want to close the account, but, don't know how I can.
They do not answer the phone. The 24-hour number is pointless. I have no idea what use they would be if I ever had a problem. Truly awful. Suprising that Costco would tolerate being associated with them.
I called them yesterday (6 x's) and they never answered their phones (but they take my money every month) - nothing but hold music. Horrible service, horrible..!!
Cannot get in contact with anyone when calling their phone number. You're placed on hold for hours at a time and then you get disconnected. I final had to just request my back to block to automatic withdrawal to cancel. My account was locked right after I signed and I requested a new password but I never received anything. I was never able to access my credit. Worse company ever!
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.
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.
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: www.URL.com 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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!
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.
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????