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 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 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.
Both 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
325 Reviews
Review Breakdown
Sentiment Criteria
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'
I had a question regarding one of the sections and the representative explained it.
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'
The representative I spoke with was very friendly and helpful. They resolved my issue.
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'
Excellent, your reps are courteous and knowledgeable.
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 was provided guidance to contact the bank for answers. It was helpful
Reply from Complete ID
Apr 09, 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 would recommend them to everyone. They are very thorough and they were checking my account for fraud for over a half hour and then put a fraud alert on my account for me so I didn't have to do it after the call ended. I was very grateful to them.
Reply from Complete ID
Apr 09, 2019
Hi Kristina. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
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'