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."
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.
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
507 Reviews
Review Breakdown
Sentiment Criteria
Gerald McBurney
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!
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
Chad Lau
I was put in touch with two professional staff to resolve my issues within 30 minutes which I treasured the most. Thanks.
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.
Douglas Ikemi
Detailed service from the representative
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.
Chris Brown
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.
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
hazari kapur
Best experience. Outstanding customer service
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
Al Avolicino
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.
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.
Judy Gaughan
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.
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.
Kim Roberts
Thanks for helping me track unauthorized use of my personal information.
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.
Heather
Noah was so patient and helpful. Excellent t service
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.
Matt Bradford
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.
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
Franklin Guillenn
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.
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.
Diane Shawcross
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!
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.
Jane
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!
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.
Mike H.
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.
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
Ann
Rep was very professional and friendly. Took care of my issue immediately.
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
Moniez Herrera-Zamora
Great customer service. Associates are very knowledgeable
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.
Sherri Timmermann
My agent handled my issue promptly and efficiently. Great job!!!
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.
David Leftwich
The representative I spoke with at Complete ID was polite, helpful and thorough in answering my questions. I am totally pleased with their service.
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.
Herbert Lee
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.
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.
Joe Wilkens
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.
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
Hapinapi
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.
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.
Lanny Mullens
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.
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
Stuart Rosenthal
Customer service rep was courteous, interested in solving the problem, and very knowledgeable. I was very satisfied with the results.
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
Don Tîmmermann
Keeps me up dated on my special info. Great feature..
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
Janet B
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.
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'
Sam Zytcer
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.
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
Karen
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.
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.
Eleanor Van Wagner
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!
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
Gloria Zacek
The rep was very helpful on my phone call! Thank you
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
Ron Zaffino
Excellent attention when making inquiries about alerts.
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
Thomas Keller
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!!
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
Paul T
Very impressed with the service! Felt special being a Costco member.
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
Chris G
The conversation I had with the customer service agent was pleasant and informative. The wait on hold was over 40 minutes.
Wahida Sharman
Very kind. Professional Concerned Helpful
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
Tony S
I called to find out more information about the alerts that I received by email. The phone was answered immediately. Kimberly asked the proper questions for me to identify myself. Then answered all my questions & explained how I should follow up the alerts. She was very informative. Thanks Kimberly. Tony
Reply from Complete ID
Feb 06, 2019
Tony, thank you for the positive feedback. I am glad that our support rep provided you with valuable information. We look forward to serving you in the future. Sincerely, Josh w/ Complete ID.
Rich
Excellent service. The representative was courteous and professional and researched my question quickly and resolved the issue. This was excellence you might only find at Costco. Well done. Thank you.
Reply from Complete ID
Oct 24, 2019
Hi Rich. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Mickie Hodis
I find their reports helpful. They have alerted me several times when an online password has been stolen. They alerted when someone else used my social security number Since subscribing, I have had no other major issues with identity theft. They describe how they will help after identity theft. That includes calling social security if your number is used by someone else. However, I was told by the agent to do that myself since Social Security agents will only talk with the owner of the compromised social security number. Complete ID should correct their app to indicate that. That's why they get only for stars. I believe it is worth the price I pay to get alerts, a list of suggested actions to take, some personal assistance and insurance for out of pocket loses.
Reply from Complete ID
Apr 07, 2020
Thank you for taking the time to leave us a review with your feedback. - Julie
Chuck Jessell
I signed up for Complete ID when my ID was stolen last summer. I was told that my case was resolved. I have just been sent to collections again, and it turns out it was for the same fraud. 6 months later, and it’s still unresolved. Complete ID was very apologetic, but nothing is resolved. I asked to speak with a supervisor. I was told one would call me the following day. Days later and I’m still waiting. Really disappointed. Not normal Costco treatment.
John
After signing up, was concerned about how to read one of the reports. The person i spoke with was patient and pleasant. Best of all, no problem.
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
James Thomas
I am very pleased with the fast customer service and the individual that helped me knew the correct data and information. I was impressed.
Reply from Complete ID
Apr 28, 2020
Thank you James for sharing your feedback with us. We appreciate the 5 stars. Please let us know when we can help again. Thanks, Julie.
Rodney Alcantara
Complete ID representative, Chris, was very helpful providing me with information to resolve the issue. He also reassured me that Complete ID would be available to assist me if additional guidance is needed. My issue was resolved with my health insurance company.
Reply from Complete ID
Apr 28, 2020
Thank you for the review, Rodney! We appreciate the 5 stars. Please let us know when we can assist you again. Thank you, Julie.
Daniel Nguyen
Easy to get someone over the phone and the helpful. The constantly followup with your case, and makes your life easier.
Reply from Complete ID
Apr 28, 2020
We appreciate the 5 stars Daniel. Thank you and please let us know when we can help you again. Thanks, Julie
robert peare
Representative was not totally knowledgeable and had trouble answering my questions
Reply from Complete ID
Mar 23, 2020
Thank you for leaving us feedback. We will review your phone call and use this to improve the customer experience. If you would like to speak with another representive, please call us back. Thank you, julie.
Mr. M
The only disappointment that I had was the manner in which the representative was talking to me. While he was not rude, I am not sure if was polite enough either.
John Singleton
Outstanding experience! Worked with me for two hours while we contacted 10 credit card companies to cancel lost cards and have new ones issued.
Reply from Complete ID
Mar 23, 2020
Thank you for the revieow. I am very happy to hear that we were able to help you with contacting all of your credit lendors. Please let us know how we can help in the future. Thanks -Julie
Scott Charles
You notified me of a change to my Chase account before they notified me. Great job!
Reply from Complete ID
Mar 23, 2020
Thank you for your review! Please let us know how we can help in the future. Thank, Julie.
C. R
It all depends on who you get for customer service. They're not consistent. One time I had a great representative who explained things and today I had the worst experience with this rep that didn't know what was going on and seemed like he was not paying attention to what I was saying- after 5 minutes I gave up and thanked him for his time!
Joe Hamilton
Nothing is perfect. I like the service offered for the price. I wish they would offer a family plan of some type so I can add my spouse.
Reply from Complete ID
Mar 23, 2020
Thank you for sharing your feedback. We will share it with leadership team. Thank you, Julie
Ben Shomshor
Contacted customer service for instructions on how to edit/update an item of personal information. Call was connected in a reasonable amount of time. Agent carefully walked me through the screens while on the phone. Correction made!
Reply from Complete ID
Mar 23, 2020
Thank you for your review. We really appreciate it. Please let us know how we can help in the future. Thanks, Julie.
J Barron
Wonderful customer service, easy to talk to a person, no waiting, always take care of any issue immediately.
Reply from Complete ID
Mar 23, 2020
We really appreciate your review. Thanks for all the stars! Julie.