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*.
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
432 Reviews
Review Breakdown
Sentiment Criteria
pak chan
Hi, The service is great, the rep is really patient with me. The monthly service charge make this effort really reasonable. Thanks.
Reply from Complete ID
Feb 07, 2020
Hi Pak. Thank you for your feedback. I am glad that we have exceeded your expectations. I hope you have a great day. Thank you -Dorothy
Rita
Amazing experience. Short wait time, USA-based employees who speak ENGLISH and my agent was very knowledgeable and took the time to review my reports and educate me. Best experience I have ever had. THIS is good, old-fashioned American style business with first-class customer service. I had a horrible experience with LifeLock after being with them for years, they just don't know how to treat customers nor take care of them. This experience with Costco was First Class. Please stay this way! I have already told a friend and my sister about you since yesterday when I joined.
Reply from Complete ID
Feb 07, 2020
Hi Rita. Thank you for your feedback. I am glad that we have exceeded your expectations. I hope you have a great day. Thank you -Dorothy
djlane50
Great app!! Get notifications quickly. Great!
Reply from Complete ID
Feb 07, 2020
Hi. Thank you for your feedback. I am glad that we have exceeded your expectations. I hope you have a great day. Thank you -Dorothy
Willis Feeney
THEY HAVE BEEN VERY HELPFUL EVEN WHEN I WAS WRONG SO FOR THAT I SAY I AM SORRY I WAS LOOKING AT THE BILL WRONG SO AGAIN I SAY I AM SORRY WILLIS FEENEY
Reply from Complete ID
Feb 07, 2020
Hi Willis. Thank you for your feedback. I am glad that we have exceeded your expectations. I hope you have a great day. Thank you -Dorothy
Hal Smith
Immediate connetectabilty! Customer service was there and able to answer all questions that were of concern to me.
Reply from Complete ID
Feb 07, 2020
Hi Hal. Thank you for your feedback. I am glad that we have exceeded your expectations. I hope you have a great day. Thank you -Dorothy
B McCall
I am pleased at the quick response and information I received about my case. Thanks so much for the information to resolve my case.
Reply from Complete ID
Jan 30, 2020
Thank you for trusting Complete ID. We appreciate your review. Please let us know anytime we can help in the future. Thanks, Julie.
Tiki
PROs: excellent updates and explanations on credit ratings, very good tutorials and information on CompleteID website pertaining to most aspects of identity theft protection and prevention. CONs: asked a technician about my information showing up on the dark web, potential risks, and my actions going forward; received a somewhat vague 'change your passwords' suggestion. Technician could not elaborate nor explain in more detail other than that.
Reply from Complete ID
Jan 30, 2020
We appreciate your valid feedback. Thank you so much for sharing. Here is some information that I found on the dark web scan: Internet surveillance\dark web alerts monitor global black-market websites, IRC channels, chat rooms, and social feeds for a Subscriber’s Personally Identifiable Information (PII), such as Name, Date of Birth, National ID, Bank Account information, Credit Card numbers, Debit Card numbers, email addresses and passwords, telephone numbers, and medical id numbers. Our Internet Surveillance is monitoring our subscribers information 24 hours a day, 7 days a week. When an exact match is found we notify the subscriber immediately. Why can’t a source be confirmed? Our monitoring can provide you a source when the company/organization that breached the information confirmed the compromise. Some of these companies are obligated to release that information, while other businesses/organizations may not have to. Our surveillance notifies you if the information is being traded or sold online, regardless if the hack was disclosed from the company. This is to ensure you are aware of what personal identifiable information may be compromised. Thanks, Julie
David Hammer
Was a smooth process with no difficulty to sign up and populated the various data elements to be monitored.
Reply from Complete ID
Jan 28, 2020
Hi David. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Sumani Al-Hassan
My dealings have always been to my satisfaction. They appear to be knowledgeable, willing to help, and courteous.
Reply from Complete ID
Jan 28, 2020
Hi Sumani. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Bec Blanchette
Easy to use, and the customer service is fast, friendly, and informative! Thank you!
Reply from Complete ID
Jan 28, 2020
Hi Bec. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Chay
They were very helpful and reassuring. They shared additionalninfirmation on how to.protect my ID.
Reply from Complete ID
Jan 28, 2020
Hi Chay. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
GEORGE JONES
I just wasted over 30 mins of time tracking down WHY EXPERIAN CREDITREPORT $13.99* Fri, Jan 24, 2020 CHARGED MY CC FOR "for a "CREDIT REPORT". Only to find it was a JAN 2020 change and was my COMPLETE ID JAN BILL and was given no warning of the "change" as I suspected an ERROR, HACKING..... BAD CS. MAKE UP YOUR MIND. IS MY MONITOR: EXPERIAN OR COMPLETE ID????
Reply from Complete ID
Jan 28, 2020
Hi George. We do apologize for the billing descriptor update causing you to worry and wasted time. Thank you for sharing your feedback and we have escalated your experience. Costco Complete ID is powered by Experian. We hope this helps and again thank you for sharing your experience with us so that we can continuously improve. Thank you. -Rene'
Peggy Chugkowski
There was a wait to speak to someone but once I spoke to the individual , care and knowledge was obvious. I was well taken care of.
Reply from Complete ID
Jan 28, 2020
Hi Peggy. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
John Walk
helpful, had the information I needed to understand the alert was not a real problem.
Reply from Complete ID
Jan 28, 2020
Hi John. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
KATHY WIEGMAN
After I signed up on line and entered all of my data to monitor Complete ID had immediately received some notifications on my information. I spoke to the representative who thoroughly answered all of my questions. I was amazed how fast my data showed in their system. I did not have that type of instant service from my precious credit monitoring company. I am happy I switched to Complete ID!
Reply from Complete ID
Jan 28, 2020
Hi Kathy. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Richard Loomis
The representative was very knowledgeable and put me at ease when I received the credit alert. She told me the steps to take in an easy to follow manner.
Reply from Complete ID
Jan 28, 2020
Hi Richard. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Cesar Rivera
I AM VERY DISAPOINTED WITH YOUR SERVICE. THE LAST WEEK I HAVE TRYED SEVERAL TIMES TO OPEN THE ONLINE ID, AND EVEN I HAVE RECEIVED A TEXT CODE, IT DOES NOT WORK. IF YOU DO NOT RESOLVE THIS MATTE I WILL CHANGE TO OTHER MORE RELIABLE.
Reply from Complete ID
Jan 29, 2020
We regret that you are having this difficultly logging into your membership. Thank you for sharing your feedback. I did review the call and it seems like we lost you in the middle of speaking to you. Please call us back so that we can walk you through the process of logging in. We are available 24 hours a day and 7 days a week at 855-591-0202. Thank you, Julie
rajeev Nischal
The representative was calm collected and made me feel calmer regarding my concerns of my identity data. He was very apologetic of the glliche in their recent software update and provided me all I needed over the phone to help close on the matter.
Reply from Complete ID
Jan 28, 2020
Hi Rajeev. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Joe Monaco
Felt much better after discussing details of an alert with your agent. Very reassuring.
Reply from Complete ID
Jan 28, 2020
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
Saroya
I had a strange alerts so I called and got a fast quick responses. I was relieved right away, that is the best feeling. Thank you.
Reply from Complete ID
Feb 06, 2019
Saroya, thank you for the positive review. I am glad that Complete ID was able to alert you and you were able to verify the alert status. We look forward to serving you in the future. Sincerely, Josh w/ Complete ID
R & D Bhandari
Extremely dissatisfied. I will be filing a major complaint with Costco. Complete ID staff made false promised when I signed up for the service in late 2018.
Gold Creek Gram
The young woman that I spoke with was extremely helpful. She walked me through all the steps that I needed to take to resolve my issue.
Reply from Complete ID
Jan 28, 2020
Hi, thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Don
CompleteID provides the key identity monitoring features offered by other plans at a fraction of the price for Costco members! During the last of my three years of "complimentary" ID monitoring services, Dark Web Surveillance identified sale offerings for my email address and password a couple of times as well as my name and cell number. Each time they provided clear suggestions to minimize potential problems and future occurrences. This monitoring service and CompleteID are different names for nearly identical services offered by the same company. The differences are in the number of entries for each category. Key weaknesses, in my opinion, are that CompleteID allows only 5 email addresses vs 10 and only 2 medical card entries vs 10. Primary (only?) missing feature is that it does not provide Credit Lock, which enables a much easier way to provide short term access to credit reports, such as when applying for a new credit card, than the slightly more complicated process of Freezing/Unfreezing w a PIN (probably not worth even a $1/month increase in the price of CompleteID). Bottom Line: CompleteID is a great product to monitor your accounts and it also provides Restoration Services and Insurance when your important accounts are compromised!
Reply from Complete ID
Jan 30, 2020
We really appreciate your review. Please let us know when we can be of assistance to you. Thanks, Julie.
The lady helped me access my account which was blocked. Good Job
Reply from Complete ID
Jan 28, 2020
Hi, thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Carin Powierski
App is very easy to use & staff are knowledgeable.
Reply from Complete ID
Jan 28, 2020
Hi Carin. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Don Jorgensen
The contact explained the issues in detail and advised the next steps. She was excellent.
Reply from Complete ID
Jan 28, 2020
Hi Don. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Sheriann
When I found out that not only my phone number, but my husband and daughter's numbers had been discovered on the dark web, I had no idea what to do; but when I called in and the rep a Complete ID walked me through the steps I needed to take, I felt better...not totally comfortable, because someone was still out there with my personal information, but at least I had done something about it. The representative helped ease my otherwise troubled mind. Thanks Complete ID!
Reply from Complete ID
Jan 28, 2020
Hi Sheriann. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Tom
Complete ID has been great for me. The one time that I needed to call with a potential credit card issue, they were quick and helpful. 10 out of 10!
Reply from Complete ID
May 16, 2019
Hi Tom. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Ted Berg
The rep just wonderful and tremendously helpful. Great security explanation and guidance on step to take to better protect myself in the future along with providing a good explanation of the breach.
Reply from Complete ID
Jan 16, 2020
Hi Ted. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
john hancock
My inquiry was handled as promptly and professionally as you could for. I called one evening and was courteously told that she would take my information and advised me of several options and stated someone would contact me in the morning. I received a call from the restoration specialist, Grey Peterson, first thing in the morning. He thoroughly explained my options and set up a fraud alert with the three credit agencies. He was courteous, professional, and knowledgeable. I was very impressed and pleased with the service I received.
Reply from Complete ID
Jan 16, 2020
Hi John. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Reggie Gray
Very reassuring to have this service. When I get an alert and call they are knowledgeable, helpful and take plenty of time helping me take the steps I need to secure my information online
Reply from Complete ID
Jan 16, 2020
Hi Reggie. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Rick Wallace
Great service and explanation. Easy to talk to.
Reply from Complete ID
Jan 16, 2020
Hi Rick. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Robert Buchanan
Friendly customer representative with answers to my questions. She was not rushed and time was no issue.
Reply from Complete ID
Jan 16, 2020
Hi Robert. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Luis Tellez
WAS VERY PLEASED HOW THE REPRESENTATIVE ANSWERED THE QUESTIONS THAT I HAD REGARDING AN ALERT
Reply from Complete ID
Jan 16, 2020
Hi Luis. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
DK
Good customer service but the app doesn’t work well. I get notifications so I attempt to login. It asks me for a code it sends to verify my identity. I input the code and it goes back to the login page. I tried everything tech support suggested but to no avail. Very frustrating.
Reply from Complete ID
Jan 16, 2020
Hi. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Mike Newbold
I really enjoyed my experience, They were very helpful.
Reply from Complete ID
Jan 16, 2020
Hi Mike. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
V Tapia
Representative knowledgable and able to answer our questions without delay after a long hold time.
Reply from Complete ID
Jan 16, 2020
Hi. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Richard Rismiller
I like the security that it provides. No more wondering if my online credentials are compromised or will identity theft will suddenly happen - i.e. if I observe the rules for passwords and change them regularly.
Reply from Complete ID
Jan 16, 2020
Hi Richard. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
irwinw
I had a notification and followed up with a phone call. The person answering was very knowledgeable in helping me understand what if anything I needed to do next.
Reply from Complete ID
Jan 16, 2020
Hi. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
William
I ordered the service on 1/11, and when I tried to log on it wouldn’t let me, called customer service 4 different times to be hung up on? Trying the next day, I get thru to someone and was hung up on for the final time, this experience with this establishment has been very disappointing.
Reply from Complete ID
Jan 16, 2020
Hi William. Thank you for sharing your experience with us. This is certainly not what we strive to provide to our customers. If you could please privately provide your phone number, we will review your experience and strive for much better. Thank you. -Rene'
Liz
The customer service rep was very thorough. I called at a late hour and was helped promptly. He answered questions and dug deep until we arrived at the conclusion that the Alert was good to receive, yet it turned out to be something I had initiated in December. Keep up the good work, I’m glad I have your service. Regards, Elisabeth Mell California
Reply from Complete ID
Jan 16, 2020
Hi Elisabeth. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
BYUFan
The reports and information are good. However, they don’t really offer any value beyond that. I still had to do all the leg work to get my credit report corrected and sorted out. Their “advocate” is not helpful.
Reply from Complete ID
Jan 29, 2020
Thank you for sharing your feedback with us. We are always working to improve our customer service. At this time, we can educate consumers how to dispute innacurate information but we are unable to do it for consumers. Thank you, Julie.
HEMANTH K KOLLA
The recent Interaction wasn't that great. The Customer service Rep was not able to help much about the notification
Reply from Complete ID
Jan 30, 2020
We appreciate your valid feedback. Thank you so much for sharing. Here is some information that I found on the dark web scan: Internet surveillance\dark web alerts monitor global black-market websites, IRC channels, chat rooms, and social feeds for a Subscriber’s Personally Identifiable Information (PII), such as Name, Date of Birth, National ID, Bank Account information, Credit Card numbers, Debit Card numbers, email addresses and passwords, telephone numbers, and medical id numbers. Our Internet Surveillance is monitoring our subscribers information 24 hours a day, 7 days a week. When an exact match is found we notify the subscriber immediately. Why can’t a source be confirmed? Our monitoring can provide you a source when the company/organization that breached the information confirmed the compromise. Some of these companies are obligated to release that information, while other businesses/organizations may not have to. Our surveillance notifies you if the information is being traded or sold online, regardless if the hack was disclosed from the company. This is to ensure you are aware of what personal identifiable information may be compromised. Thanks, Julie
John Riley
My call with Complete ID with the professionalism and was pleased with the help I received. Thanks
Reply from Complete ID
Jan 16, 2020
Hi John. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Jess
Anytime we have a question or concern it’s resolved in the most professional manner. Feel safe and protected.
Reply from Complete ID
Jan 16, 2020
Hi Jess. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Rima Massoud
I have called and no one called me back. I have not been able to login to my account for weeks.
Reply from Complete ID
Jan 30, 2020
Thank you for sharing your experience. I have escalated your issue and you will be recieving a call today. Thank you for this opportunity to serve you better. Julie.
Atherton Rusty
Very good and helpful experience courteous person helped me.,
Reply from Complete ID
Jan 16, 2020
Hi Atherton. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Pat Hamilton
The agent who helped me was very knowledgeable and helpful.
Reply from Complete ID
Jan 16, 2020
Hi Pat. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Denise B.
I had 2 Dark Web alerts that Complete ID emailed me on. I contacted customer service and they thoroughly explained the alerts to me and my best action to take to avoid any identity theft. They were very helpful and answered all my questions. I would recommend Complete ID to everyone.
Reply from Complete ID
Jan 13, 2020
Thank you for sharing your feedback. Exceeding customer expectation is our goal. Helping you protect yourself from Identity theft is our passion. Thank you, Julie.
Walter Deines
Changing passwords is very difficult to do by following your instructions, even with help by phone. I do not text or use my cellphone for downloading apps. I prefer simple email step by step instructions that can be followed to completion with an acknowledgment when done.
Reply from Complete ID
Jan 13, 2020
Thank you for providing that feedback for us. We will review your call and hopefully learn how to make things easier in the future. We value your opinion. Thank you, Julie.