Complete ID
check_circleverifiedComplete 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.
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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.
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 an identity theft situation, like a data breach or any other form of identity abuse, occurs. 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 of identity theft, Complete ID offers direct communication with a designated identity theft restoration specialist. These 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 is very transparent on its website and 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 activity, and much more. Customers and non-customers can access Complete ID's online education center.
The Bad
- Lack of Services
Lack of Services
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. It is also unclear whether or not the company provides anti-virus software.
The Bottom Line
Complete ID offers a number of affordable identity protection services and several monitoring services including financial account monitoring, credit monitoring services for the major credit bureaus, as well as social security number monitoring, and up to $1 million in identity theft insurance. The company's identity theft insurance 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 a variety of 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. The company does not seem to provide a number of important services and also does not appear to offer any anti-virus software. Customers who wish to enhance their device security must buy software themselves. 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.
View Best Identity Theft Companies
*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
291 Reviews
Review Breakdown
Sentiment Criteria
the worst customer service on the fone ever.... was on hold and transferred four times to the wrong extensions and departments back and forth between CID and it's Parent Experian then finally got to someone who said I had to call the same number I had originally called and ask for the specific department I had originally asked for and that person was from Experian! ridiculous!
I've always been pleased with the response I get from Costco Complete ID. I prefer to call as my internet connection is poor and they always are on it to answer any question I may have. I even recommended it to my husband who also got it when he encountered a hack on his email. I am happy with their service.
Reply from Complete ID
Jun 17, 2019
Hi there. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
I was disappointed to learn that the credit data shown when I logged in was very old. It should be updated more often than one year. Monthly or at least quarterly.
Reply from Complete ID
Jun 12, 2019
Hi John. Thank you for your feedback. Sorry to hear that your experience may not have met your expectations. We do listen to our customers and will take your concerns into consideration as we continue to improve our products. Thank you. Have a good day! -Dorothy
Had a Dark Web notification. Your team member was extremely helpful identifying all the info to me which saved me much work as the password detected was an old one.
Reply from Complete ID
Jun 12, 2019
Hi William. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
The representative was very helpful and answered my questions about Complete ID.
Reply from Complete ID
Jun 10, 2019
Hi there. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
I was waiting on hold for 55 minutes to talk to customer service,
I can never sign into my account. I have to change my password every time even though I keep track of the passwords each time. My husband has the same problem. I end up calling and everyone I’ve spoken to over the phone deserves a 5 star rating. They are knowledgeable, professional and polite making me feel like a valued customer.
Reply from Complete ID
Jun 10, 2019
Hi Sherry. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
My credit card got canceled a year ago so they weren’t able to charge me for my membership- which I didn’t realize. My identity got stollen I called but found out my membership was canceled— they said no problem reactivated my membership & they’re taking care of my identity theft issues — amazing!
Reply from Complete ID
Jun 10, 2019
Hi Candyce. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Locked out of account due to bad info. Can’t even cancel because I can’t complete the login. They were very happy to take my money though!
Reply from Complete ID
Jun 03, 2019
Hi there. Thank you for your feedback. Sorry to hear that your experience may not have met your expectations. Please reach out to us at 1-855-591-0202 so that we can further assist you. Thank you. Have a good day! –Dorothy
Ok So my Verizonwireless, account gets hacked on line and I did not get any messages from Complete ID that this occurred, also I was informed by one of the techs, that NO identity protection company in the industry is monitoring our cell phones, so what's the point in having this service if you cannot monitor our cell phones or websites that we use regularly, I am actually thinking about discontinuing the service as now with 2 step identifcation technowlogy this beefs up the security, however I am sure hackers know the backdoor to this as well, plus the corporate theft out there is not talked about, let's face it, everybody's got a price and I am sure there are disgruntled employees out there with high security clearances with major banks, mobile carriers..etc who given the right opportunity will give up info..well back to this service..I am not happy and I think I will terminate soon.
Reply from Complete ID
Jun 03, 2019
Hi Paul. Thank you for your review and for sharing your thoughts with us. There may be some confusion as to what the benefits of this membership include. We are happy to help you with that. You will receive an annual 3 bureau credit report and Vantagescore®. Monitoring of all 3 credit bureau reports which includes hard inquiries, public records, new accounts, potentially negative information and address changes. We do monitor the dark web sites that are known for illegally selling and trading information, financial account application alerts, payday loan monitoring, criminal records and the neighbourhood watch reports. You do have full-service identity restoration which includes a dedicated fraud specialist and 1 million dollars of identity theft insurance. We also have 24/7 customer support hours. We are unable to monitor your cell phone and every website that you visit but we are monitoring your credit and you do have Identity theft insurance with us. We also have a fraud specialist, if you need their help, please call us. If the Verizon breach cost you money, we can help you file a claim to the insurance. We hope we can help and that this clears up the benefits that we can provide. Thank you -Rene'
The Customer Service Representative was kind , helpful & provided excellent customer service. He helped me navigate around the website & was very patient with me.
Reply from Complete ID
May 31, 2019
Hi Carla. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Made a change of address on one of my online bank accounts. Complete ID caught it and sent me an alert. I contacted Complete ID and advised them that the address change was made by myself and was OK.
Reply from Complete ID
May 31, 2019
Hi Jerome. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Contacted Complete ID regarding a recent credit inquiry. Didn't know who was inquiring. Repr. was able to give me answer I was seeking quickly . Put my mind at ease that it was a company that had issued a credit card earlier in the month and was just now running a credit check.
Reply from Complete ID
May 30, 2019
Hi Jim. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Fair - I can't complain so far. However, the gap between completeID and the competitor is big. They should catch up and do some improvement. Not all is bad, but a few items need some adjustments.
Reply from Complete ID
May 30, 2019
Hi Rudi. Thank you for your feedback. Sorry to hear that your experience may not have met your expectations. We do listen to our customers and will take your concerns into consideration as we continue to improve our products. Thank you. Have a good day! –Dorothy
I called about a change to be made to my account. It was handled right away, and all is well.
Reply from Complete ID
May 31, 2019
Hi Linda. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Had trouble finding my up to date scores.
Reply from Complete ID
May 31, 2019
Hi Tom. I do apologize that you are having trouble navigating the web page. Can you please contact us at 1-855-591-0202. Our business hours are 24/7. So that one of our Customer Service Specialist can further assist you. Thank you - Dorothy
Angela provided many good suggestions to minimize the damage my compromised could cost me.
Reply from Complete ID
Nov 06, 2018
Graham, thank you for the positive review. We look forward to continuing to serve you. -Josh
Everything was handled very well. I was coached every step of the way so I understood what was going on. I feel confident that those that had tried to open store accounts in my name were blocked from my credit card account. I feel secure about the result.
Reply from Complete ID
May 29, 2019
Hi Hank.Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Quick, responsive and complete information.
Reply from Complete ID
May 23, 2019
Hi Nancy. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
I like what the product does as far as protect my Identity and my financial information. The one downfall is it does not allow you to have family plan. You can add your kids but not your spouse. That doesn't make sense to me. So instead I had to create and pay for another full account for my spouse.
Reply from Complete ID
May 23, 2019
Hi Wade. Thank you for your feedback. Sorry to hear that your experience may not have met your expectations. We do listen to our customers and will take your concerns into consideration as we continue to improve our products. Thank you. Have a good day! –Dorothy
The person I spoke to was professional and knowledgeable. She was very helpful and answered my questions.
Reply from Complete ID
May 22, 2019
Hi Lawrence. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
The person I spoke with was very helpful
Reply from Complete ID
May 20, 2019
Hi Martha. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
48 hours in, So far so good! The phone help desk is wonderful !!!
Reply from Complete ID
May 20, 2019
Hi Allan. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I was concerned about the message "financial takeover". Your customer service rep. was very helpful in explaining the message. She didn't read from a script, she was knowledgeable about the company --when and why messages are generated. Thanks!
Reply from Complete ID
May 17, 2019
Hi there. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I recieved a notice from you suggesting that I call you. There was a phone number on the notice which I called. I told your representative of the concern that was indicated on your email. I was told that she saw no concerns but if I wanted to pursue it further she could give me another phone number. To say the least I was confused on the whole process. Should I make another phone call or will I be wasting my time?
My question and concerns were answered. The employee was very knowledgeable, friendly and helpful.
Reply from Complete ID
May 16, 2019
Hi Colleen. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Great. I had an inquiry issue, and Complete ID took control. Very satisfied!
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'
I was a little confused when two alerts were made on my behalf so I called customer service. Under neighborhood watch a sex offender with name and address was disclosed. This is within walking distance of my apartment building. Great information. Also my gmail account was compromised and I was advised to change my password IMMEDIATELY, which I did. Great protection, and I'm glad I joined.
Reply from Complete ID
May 13, 2019
Hi RJ. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
A very thorough reporting on the opening of a new account. The account was valid but I appreciated the notification because it gave me confidence the ID system in working. I also spoke with a representative because there were so many notifications of the new account. She explained it thoroughly.
Reply from Complete ID
May 13, 2019
Hi RJ. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I mailed a copy of my Power of Attorney for my wife, who has Alzheimer's Disease. I still wanted to protect her information. Complete ID called and requested that I call back, which I did with the reference number. The woman I spoke with had no idea what was going on, put me on hold, from which I hung up after twenty minutes. Complete ID asked me to call, so I expected someone would know what was up. I still have no idea. Better write me an old fashioned letter or an email. James Canfield
Very fortuitous we would get this email today. We literally just got off the phone (conveniently "disconnected" after a frustrating conversation!) with a cust svc rep RE another Identity Theft situation. We have someone trying to open up bank accounts under my husband's name. He spend at least 2 hrs yesterday with another rep who told us he was freezing our credit on Experian since Complete ID had merged with them. He then went on to ask us many very personal questions RE our monthly mortgage payment, what bank held our mortgage, any LOC and the mo pymnts, etc. He even said he needed to generate a PIN for us to be able to UnFreeze should we need to. He gave us the PIN to use. He then told us to call Equifax & Transunion ourselves, but he had taken care of Experian. Fast fwd to today. The rep today said Complete ID Never does the freeze!!! WE have to call each of the credit bureaus ourselves and do it. He specifically asked her if she EVER has given out a PIN and taken mo pymnt info from a client before. She said absolutely never! It's private information that even she has no access to (the PIN). He asked to speak to the man from yesterday, "Not here right now". Asked to speak to the supervisor, "She's in a meeting". Asked when she would be available, "When she's done". Asked when the meeting was scheduled to be over, "When it's done"... I'm sure you get the picture!!! We are really frightened and worried beyond belief. We gave all our personal data to someone who we thought we could trust. I even told them we had the utmost faith in the partners of COSTCO, which is why we switched from LifeLock., and I planned on contacting COSTCO to report this event. My husband is right now @ one of the banking institutions where we found out that this "crook" just succeeded in opening an account!!! For all we know the guy from CompleteID could be behind it!!! As if it's not bad enough to have to deal with ID Fraud/Theft to begin with, you can't imagine how it feels to be treated with such lack of professionalism and concern or suggestion from the rep today, but to top it off with the possibility of being deceived and even violated by the rep yesterday!!!
The lady that assisted me...mostly my questions about being a new member...did a great job...I was very pleased...
Reply from Complete ID
May 13, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I was pleasantly surprised by the experience my wife and I had in setting up our accounts for Complete ID and by the extent of the services they provide. One of their technical support people (Ken) spent the better part of an hour with us, walking us through various options and explaining what they did. I was surprised, for instance, to discover that Complete ID will step in and help should you loose your wallet. For years we had paid American Express extra for this service (until they cancelled the program last year). We will be more active in utilizing Complete ID.
Reply from Complete ID
May 09, 2019
Hi Hugh. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I had an issue with my password that was promptly resolved.
Reply from Complete ID
May 09, 2019
Hi there. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Within the last week I have had my debit card and a credit card breached. A fraudulent activity that your service never caught. When I spoke with your staff concerning these fraudulent charges I was informed that these banks that issued my debit card and credit card possibly are sketchy. This was a very unprofessional response. I am very unhappy with how your company has handled these fraudulent charges. Please have an upper management personal contact me immediately. Sincerely, Bill Howe Jr.
We have used Complete ID for several years and recently received an email alert regarding an inquiry by an out-of-state bank that we were not familiar with. After contacting a Complete ID representative, we were connected in a conference call with the bank and learned that someone had attempted to use our personal information to open a credit card account with this bank. The issue was quickly resolved and a fraud alert was flagged at the bank and Complete ID. We were impressed with the help we received from the Complete ID representative and feel confident that our personal information is being closely monitored.
Reply from Complete ID
May 06, 2019
Hi Joan. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I received an email that something was found and I called and learned it was only sex offender notification in my neighborhood. Glad it wasn’t something worse. Customer service is awesome and quickly eased my mind. It’s a comfort knowing I’m protected.
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'
The agent was knowledgeable and friendly and helpful. She answered all my questions while being patient. I really had never fully understood all that Complete ID encompassed. This was a refreshing experience as far as most customer service entities provide these days.
Reply from Complete ID
May 03, 2019
Hi Tim. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I had a question and the was resolved quickly and efficiently. I am confident that Complete ID. is monitoring my identity competently and professionally. Complete ID. is always available by phone, helpful and knowledgeable. Thank You, Dvorah Henderson
Reply from Complete ID
Apr 30, 2019
Hi Dvorah. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
The person who helped me (sorry I forgot her name) was very knowledgeable, went above & beyond explaining the services, was friendly yet professional!
Reply from Complete ID
Apr 30, 2019
Hi Nayda. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
great service the person I talked to was understanding,helpful and insightful. I appreciate the services of Complete Id
Reply from Complete ID
Apr 24, 2019
Hi Nancy. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Very helpful and got my information quickly. He helped me solve the insane Mac block you have on your web site. I will not allow Windows devices in my home.
Reply from Complete ID
Apr 24, 2019
Hi Bill. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Here all along, I thought that they kept an UPDATED credit report for me - but they don't. They only update my credit report once a year! I can get my credit scores from other sources for free, and I already have LifeLock......so, I'm cancelling this.
Reply from Complete ID
Apr 24, 2019
Hi Robert. Thank you for your feedback. Sorry to hear that your experience may not have met your expectations. We do listen to our customers and will take your concerns into consideration as we continue to improve our products. Thank you. Have a good day! –Rene'
I’ve never had to be on hold for a half an hour before. This was very frustrating, especially when coupled with the fact that, after that wait, I was transferred to an outside agency....where additional wait-times resulted in no resolution. The CI employees were quite polite, but their kind behaviors did little to resolve the issue.
Reply from Complete ID
Apr 24, 2019
Hi Adele. We would love to look into this for you. Providing great customer experiences is a priority for us. May I have your full name associated with your membership, email address, and or your phone number to better research and escalate this important issue? Is there anything I can do to make your experience better? – Thank you -Rene'
The coverage seems to very helpful and what I want. I had a question to a representative and she was very helpful in explaining how CID works. So far so good!
Reply from Complete ID
Apr 18, 2019
Hi Candy. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Excellent customer service. Representative was patient, helpful and provided additional information on areas to check periodically.
Reply from Complete ID
Apr 18, 2019
Hi TP. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Had to wait for over a half an hour on hold. The issue still not resolved; then, I was transferred to an outside agency. I could have called them myself. Oh, and it was very annoying to have to listen to multiple commercials for CI products during the waiting period.
Reply from Complete ID
Apr 18, 2019
Hi Adele. Thank you for your feedback. Sorry to hear that your experience may not have met your expectations. We do listen to our customers and will take your concerns into consideration as we continue to improve our products. Thank you. Have a good day! –Rene'
Went well, just misunderstood one question, called and taken care of.
Reply from Complete ID
Apr 18, 2019
Hi Steve. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Complete ID emailed me about a transaction involving a credit union application that I made. It is great that they notify me even when I am the one making an application. I called and discussed with a Complete ID representative as well as an old traffic ticket that did not belong to me. The representative gave me instructions. Great service!
Reply from Complete ID
Apr 16, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I had a hard check on my credit report and could not remember if it was me. The employee told me who the hard check was from and yes it was me that did it. Very clear English and well spoken and friendly.
Reply from Complete ID
Apr 16, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'