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
287 Reviews
Review Breakdown
Sentiment Criteria
I've had 2 'notices' in the past 2 months from Complete ID and when I called Complete ID, they were always there to pleasantly and calmly answer my questions. Their representatives are really the best!!! It's very comforting to know someone is looking out for ME!!! Thank you Complete ID!!!
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 filed a report for identity fraud and was supposed to hear back from someone within 1 business day. I’ve called every day checking up on what’s going on. Still no call back on day 4. What am I paying for.
Reply from Complete ID
Apr 16, 2019
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'
Hi when I first called your number (by the way, it's hard to find on the app), I talked to someone who was utterly unfit for the job. He had no idea what to do when I explained my situation and then transferred me to your parent company, experian The experian agent could not offer any real help. I told him to put a fraud alert on my account (i froze my credit account after the equifax hack in 2017) . I finally got a hold of agent at your company who then put me in touch with a fraud specialist . I got no alerts on my app about people trying to view my credit history. The agent said because I had put a credit freeze on my account, I would not get an alert. Really? you guys should alert us via the app if anyone tries to access our credit history as this either in a soft check a hard check of our history as this this is best way to know if someone has tried steal my identity. this should not be so hard for you guys to figure out .
Reply from Complete ID
Apr 16, 2019
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'
Associate was able to assist me with completing verification and I am all set for monitoring :-)
Reply from Complete ID
Apr 03, 2019
Hi Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
They have notified me when issues have come up and provided an investigator to restore the security of my credit information.
Reply from Complete ID
Feb 06, 2019
Ghurley, thanks for the positive feedback. We look forward to serving you again in the future. Sincerely, Josh w/ Complete ID.
All my concerns were addressed to my satisfaction. The gentleman I spoke to was very polite very patient very thorough in all his explanations to my queries. Thank you for a wonderful reassuring experience.
Reply from Complete ID
Apr 03, 2019
Hi Mary. Thank you for your feedback. I am glad that he has exceeded your expectations. Hope you have a great day. Thank you -Rene'
I believe the CSR I spoke with was Angela. She was very courteous, friendly and professional. She answered my questions completely and having raised a few during our conversation also helped me with more information and links for me to check out. Great Customer Service Representative
Reply from Complete ID
Apr 03, 2019
Hi Josef. Thank you for your feedback. I am glad that Angela has answered all your questions and has exceeded your expectations. Hope you have a great day. Thank you -Rene'
I spoke with a customer service person who was very helpful. I didn't get the answer I wanted, but it was the answer.
Reply from Complete ID
Apr 03, 2019
Hi Sharon. Thank you for your feedback. I am glad that they were able to answer your question. Sorry it was not the response you wanted. Hope you have a great day. Thank you -Rene'
Great service and wonderful representative
Reply from Complete ID
Apr 03, 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'm a relatively new customer so it's too early to say much about this company. However, they seem very thorough and having had the occasion to call customer service, I will say the rep was courteous, knowledgeable and helpful-- a hot commodity these days.
Reply from Complete ID
Apr 03, 2019
Hi Debs. Thank you for your feedback. I am glad that we have exceeded your expectations. If you have any questions or concerns please reach out to us we are happy to help. Hope you have a great day. Thank you -Rene'
This company's website is very easy to use, but whenever I need further explanation or assistance I receive excellent service. The staff are courteous, competent, and patient. I have always had my questions answered by the time my call ends. I would enthusiastically recommend this company to everyone.
Reply from Complete ID
Apr 03, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
The alerts should be more specific. "We have found a match to your monitored information" is vague and rather cryptic. I had to call customer service to find out what I was being alerted about, since I could find nothing out of the ordinary when I logged into the site. The rep answered my question.
Reply from Complete ID
Apr 03, 2019
Hi Tom Laura, 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. I am glad that the Customer Service Agent was able to assist you and answered all your questions. Hope you have a great day. Thank you -Rene'
Very helpful ,agent discussed about the fraud alert warnings for three different purchases.
Reply from Complete ID
Apr 03, 2019
Hey Arthur. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
The first two people who helped me was patient, knowledgeable and very helpful. I have never encountered such great staff support before. There is a saying in business - the best salesperson a company can have is a satisfied customer. Well these first two helpers made me a Very Satisfied Customer. I have told my family and friends about your help staff.
Reply from Complete ID
Apr 03, 2019
Hi Oki. Thank you for your feedback. I am glad that both of the Customer Service Agent have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I am new with computers, I called the Support Team and I got a quick response.
Reply from Complete ID
Apr 03, 2019
Hi Carmelo. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
I called twice and both of your folks were wonderful. It was really nice to deal with people who could understand and even speak English. (That hardly ever happens anymore.) I had been thinking of cancelling this service but these two employees have caused me to forget about doing that. Thank you for hiring such good people, Mick Pulliam
Reply from Complete ID
Apr 03, 2019
Hi Mick. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
My wallet was stolen a few weeks ago and I signed up for CompleteID. However, for whatever reason I've had issues logging into my account from the beginning. I've chatted with nearly half a dozen customer service reps at this point and assured that someone would contact me within 24-48 hours multiple times. This issue has been going on for 2 weeks now and still not resolved and no one has contacted me on this issue. Extremely frustrating. I've wasted hours on the phone with this company only to get no where each time.
2-3 days and hours later my account is still not fixed - 😑
Marlena F in your Restoration Department is remarkable. Her patience and professionalism are stellar. She is a life saver!
Reply from Complete ID
Mar 22, 2019
Hi Joan. We are so pleased that Marlena, was able to exceeded your expectations. Hope you have a great day. Thank you -Rene'
I called a representative about a question I had and he was very professional. Will took his time to explain things and was very patient. I felt like I was talking with someone who cared.
Reply from Complete ID
Mar 22, 2019
Thank you for your feedback. We are so glad that we have exceeded your expectations. Hope you have a great weekend. Thank you -Rene'
Agent was well informed and helpful throughout the process.
Reply from Complete ID
Mar 22, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
They provide zero email support or even contact addresses. If you prefer email over calls, and would like to have a written record of your communications with them, they provide no solution.
Reply from Complete ID
Mar 22, 2019
Hi Daniel. 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'
agent was very helpful thank you , thanks for keeping me in formed.
Reply from Complete ID
Mar 22, 2019
Hi John. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great weekend. -Rene'
I was referred by Costco’ Complete ID to a source that answered all my questions.
Reply from Complete ID
Mar 22, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
THEY WERE ABLE TO CHECK ON MY CONCERNS AND FOUND THAT ALL WAS FINE.
Reply from Complete ID
Mar 22, 2019
Hi Thomas. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
This service is a joke! I got an email that said you “might” have an issue, please call. I called and they are so slammed that you get permanent hold. I’m out!
My credit report indicated that there was an open account with my credit union. The account was paid and closed last year. I called Complete ID and the agent said I would have to file a dispute with the credit agencies. I went online to file a dispute but they show the account closed so I could not dispute anything. I’m not sure how Complete ID gets their information but it’s not always accurate. I also called my Credit Union, they also stated that the account was closed so there was nothing they could do to help. Just frustrating.
I recently changed my password to better access my account. I did not have much success navigating your website so after placing a call to Complete I.D. the lady helped to make the change very efficiently. Thank You
Reply from Complete ID
Mar 12, 2019
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 I spoke with was SUPER helpful and answered all my questions . This is my first experience with a credit alert company so I am just learning.
Reply from Complete ID
Mar 12, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Although I was assured someone would call me, I have yet to receive a call. Nothing has been resolved.
Very good experience when I called to inquire on email notification. Answered call timely - only on hold for short period. In summary - very helpful.
Reply from Complete ID
Mar 12, 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 received courteous and professional assistance from your customer service representative.
Reply from Complete ID
Mar 12, 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 recently had a situation where my credit card that I use to let Complete ID take out my monthly fee had some suspicious activity that the bank shut down the card. Since my payment would be coming due before I received a new credit card I called to make sure that Complete ID was aware of what happened and not to charge that old card. I also needed to ask for if they could put off taking out the payment until I received my new card. They were extremely helpful and understanding and were more than happy to move my due date. This certainly helped save me a lot of time and worry by their willingness to help me.
Reply from Complete ID
Mar 12, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
1. Deactivate account without notification 2. Restoration services through third party which was not professional 3. Customer service representatives different in capibilities 4. I have to participate with other credit protection plan just for extra protection 5. I was a victim of identity theft and service provided was poor
Since my account was fixed I can not sing in so I do not know how I like it. I called about the problem but they did not seem to care enough to fix it. I am not happy AT ALL.
There was complaint about my auto citation in 2006, this was taken care of when citation was given and I should not have received this complaint. The very matter of wrong complaint was taken care of by complete id and myself two years ago. I am surprised why complete Id could not remove the matter from records? All this was waste of time as there was no genuine pending complaint!
I attempted to add information to my account. The process refused to allow this. I was forced to call the help phone number. The friendly, helpful person with whom I communicated enabled the "edit" and it was successfully completed in a minimum amount of time. Though the "edit" should have worked without having to make the phone call; still I am very happy with the service and recommend it.
Reply from Complete ID
Mar 08, 2019
We appreciate your review and feedback. We do collect this information and use it to continuously improve our product. Thanks- Julie
The representative was extremely friendly and seemed concerned about my issue. She gave me great feedback so that I could take care of the problem. It actually had nothing to do with my current service, but I was charged for membership on the old service. I had switched to be able to go through Costco so had 2 charges.
Reply from Complete ID
Mar 08, 2019
Thank you for this great review. We are happy to hear that your issue was resolved with extremely friendly people. Thanks - Julie
First of all I waited for 26 minutes to talk to someone after I had received 2 emails to check in with you only to find out that it was the fraudulent store card usage that I had allerted you about 3 days prior. Unnecessary scare!!
They caught a bad transaction and called me to see if it was to be honored. Can you believe that? Don't know how they did it but I sure am glad they did!!!
Reply from Complete ID
Mar 11, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
My issue was not a big deal and I hesitated to call Complete ID. But I did call and I was glad I did. The representative was excellent telling me that no issue is too small. She researched other repreports she had access to and explained all my questions in lay terms so I understood it. Even though my issue was small I felt being treated like my issues were as important as anyone elses. Thanks......Paul
Reply from Complete ID
Feb 22, 2019
Dear Paul, Thank you for the positive review. We are glad that the representative explained the answer to your questions. We look forward to serving you in the future. Sincerely, Josh @ Complete ID
I needed to unlock my credit report and it was a huge hassle. Complete ID could not get it done. They gave me phone numbers to call the credit bureaus. That was a pain - I recommend that Complete ID offer the service of locking and unlocking credit reports.
Excellent experience. Great employee. Thank you!
Reply from Complete ID
Feb 22, 2019
Donna White, Thank you for the great review! It is our priority to meet and exceed expectations. I'll be sure to thank the representative you spoke with. Julie S. Complete ID
They were very helpful and even help us with contactinf transunion.
Reply from Complete ID
Mar 11, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Great customer service, My problem will be taken care of I am pretty sure, because of you guys hard work.
Reply from Complete ID
Mar 11, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Twice I had questions about possible threats to my credit. I called and was told they would monitor the areas where I had concerns.
Reply from Complete ID
Mar 11, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. If you have any further concerns please reach out to us. Hope you have a great day. Thank you -Rene'
The Customer Service Rep was most helpful concerning the details of an email that was sent. Always nice folks
Reply from Complete ID
Mar 11, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Caught activity in my accounts and notified me. Good action.
Reply from Complete ID
Mar 11, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Very disappointed but as the saying goes "you get what you pay for". Customer service wait at all times is over 10 minutes. Monitoring is in adequate not able to monitor all bank acc. In addition if a mistake is made an error entering a account numbers the system does not recognize the error.
Customer service was helpful. I was concerned because of a message I received stating that I made changes to my personal profile. You should be more specific instead such as updated expiration date on card.