Complete ID
check_circle VerifiedComplete ID is an identity theft protection product by Experian made available exclusively to Costco members. Complete ID's goal is to "deliver complete peace of mind at the best possible price."
While similar identity protection products will range between $19.99 to $29.99, Complete ID is offered for $8.99 per person per month for Executive Costco members and $13.99 per month for Costco Gold Star and Business members.
Complete ID provides credit monitoring services that include all three main credit reporting bureaus in addition to 12 different monitoring features, U.S.-based certified identity theft restoration, and up to $1 million in identity theft insurance*.
Customer Review: David Leftwich from Loudon, Tennessee
"The representative I spoke with at Complete ID was polite, helpful, and thorough in answering my questions. I am totally pleased with their service."
The Good
- Affordable Plans
- Multiple Monitoring Services
- Identity Theft Insurance
- 24/7 Customer Service
- Informative Online Education Center
Affordable Plans
Complete ID's identity protection plans start as low as $8.99 per month for Costco Executive members.
For an additional $2.99, Executive Costco members can obtain child monitoring services. Gold Star members can obtain child monitoring services for $3.99 per month.
In comparison to other identity protection services, Complete ID does offer some of the most affordable identity theft protection coverage.
Additionally, Complete ID appears to go the extra mile and runs a comprehensive check on new customers (after their initial sign up) to see if there are any "previous or ongoing instances of ID theft."
Monitoring Services
Complete ID offers a large number of monitoring services, including credit monitoring from all three major credit bureaus (Experian, Equifax, and TransUnion). Potential customers should note that monitoring with Experian begins within 48 hours of enrollment in Complete ID and monitoring with Equifax and TransUnion takes approximately four days to begin.
In addition to credit monitoring, Complete ID offers financial account monitoring, criminal records monitoring, non-credit identity monitoring, dark web surveillance, payday loan monitoring, and social security number monitoring.
If any suspicious activity is detected, the company will issue a fraud alert to the customer.
Complete ID does offer a variety of other services included in its identity theft protection product. These include annual credit reports from all three credit bureaus and 24/7 customer support.
Helpful Identity Theft Insurance*
Complete ID provides customers with up to $1 million in identity theft insurance with no deductible. This policy covers and reimburses certain expenses if various identity theft situations, like data breaches or other forms of identity abuse, occur.
According to the Complete ID website, the company's identity theft insurance covers lost or stolen wages/income, attorney fees/legal fees, child care/elderly care, refiling loan expenses, and more. Complete ID also provides full-service identity restoration as well as lost wallet replacement assistance.
24/7 Customer Service
Complete ID customers can receive U.S-based customer service help around-the-clock.
For customers who find that they have fallen victim to identity theft, Complete ID offers direct communication with a designated identity theft restoration specialist.
The company's restoration specialists often offer an immediate plan of action. They walk customers who have has their identities stolen through the entire restoration process which can include calls on the customer's behalf and the filing of report paperwork.
Complete ID also provides customers with a full online list of potential steps they may have to take to recover from being an identity theft victim.
According to the Complete ID website, the Complete ID restoration "specialists can be granted limited power of attorney and can take action on your behalf."
Informative Online Education Center
For an identity theft protection company, Complete ID offers a good amount of online educational resources.
Complete ID has an entire education center section on its website dedicated to teaching people about identity theft.
Some of the topics covered under the education center section include how thieves commit identity theft and identity fraud, how identity theft can affect a credit score, how people can protect their social security numbers, what to look out for when it comes to your credit report, how to spot fraudulent/suspicious activity, and much more.
Both customers and non-customers can access Complete ID's online education center.
The Bad
- Lack of Services and Information
Lack of Services and Information
Complete ID does not provide a number of important services including credit card, checking, or savings account real-time alerts, data breach notifications, a service guarantee for lawyers and experts, or investment account activity real-time alerts.
The company's website does not seem to provide information regarding anti-virus software and customer-based mobile app options.
The Bottom Line
Complete ID offers a number of affordable identity protection services and several monitoring services including financial bank account monitoring, credit monitoring services for the major credit bureaus, as well as social security number monitoring, payday loan monitoring, and up to $1 million in identity theft insurance.
It's important to note that those who have a Costco Executive, Costco Gold Star, or Costco Business membership are able to purchase Complete ID's identity protection services at a lower rate than those who do not have a Costco membership.
In terms of insurance, the company covers lost or stolen wages, legal fees, and more after a theft takes place. Additionally, Complete ID offers reliable identity restoration assistance which includes lost wallet replacement assistance.
On the Complete ID website, both customers and non-customers can access the company's online education center to learn more about identity theft.
Complete ID also provides real-time fraud alert notifications if there is any hint of suspicious activity, an annual credit report from each of the main bureaus, and 24/7 live customer support.
However, Complete ID fails to provide a number of important identity theft protection services. Additionally, the company does not appear to offer information about any anti-virus software. Customers who wish to enhance their personal device security may have to buy the software themselves. Additionally, there is a lack of information on the company's website regarding any mobile app options.
If you are interested in identity protection services, it is recommended that you read Complete ID reviews and conduct thorough industry research to see if Complete ID is the right company to help you protect your identity.
*The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
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User Reviews
Star Rating
498 Reviews
Review Breakdown
Sentiment Criteria
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.
Jan
The customer service representative was very courteous and helpful.
Reply from Complete ID
Jan 09, 2020
Hi Jan. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Loren
I had an excellent experience with the Complete ID representative. She was very patient with me as we worked through difficulties I was having in accessing my account. It was complex and took quite awhile, but it was fixed.
Reply from Complete ID
Jan 09, 2020
Hi Loren. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Julie
Easy to sign in and the price is very competitive.
Reply from Complete ID
Jan 09, 2020
Hi Julie. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Diane Schmitz
They did a good job of explaining the situation.
Reply from Complete ID
Jan 09, 2020
Hi Diane. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Renate Ortmann
Complete ID notified me of an issue with one of my accounts and urged me to get in touch with them. Upon calling I was quickly connected to a very knowledgeable employee who explained the situation. Following her suggestion I will now take corrective steps. I highly recommend Complete ID to anyone, a very responsive Company with well trained, friendly employees.
Reply from Complete ID
Jan 09, 2020
Hi Renate. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Chris Cheatham
I have asked to open a new case twice and been turned away. I need help and I am not getting it.
Charles Edward Gale Jr
Excellent service and communication. Experienced Identity Fraud and they have offered great service.
Reply from Complete ID
Jul 30, 2019
Hi Charles. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
graham powers
I had specific questions on some dark web notifications. I received detailed info, but little elaboration.
Reply from Complete ID
Nov 06, 2018
Graham, thank you for the positive review. We look forward to continuing to serve you. -Josh
Richard DeVito
Terrible > I had to call four times to get the info I needed. Last call was the worst. I had to give the lady everything in the world cause she could 'nt find me. Finally had to give her my social on a cell phone. I should have hung up and called someone else in your company. I was probably talking to a scammer who hacked into your system. You should check the records to see if the last call is on your records. I know I'm stupid for giving her all that info, but I've been sick. Check your people's recorded lines and let know what happended.
Dolores
Very helpful and informative during a difficult time. Thank you so much.
Reply from Complete ID
Dec 19, 2019
Hi Dolores. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Gina
Once we got a supervisor named Aaron, he provided great info unlike the first person who took the call named Rachel. She needs training.
Reply from Complete ID
Dec 19, 2019
Hi Gina. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Harvey Morse
The alerts show my passwords as asterisks. There is no way for me to know which I used with my email for a particular site that was compromised, which renders the whole prevention process useless! You need to let me see my password and identity the site it was compromised with. Some of your language regarding the site, is your technical gobble gook and meaningless.
Reply from Complete ID
Dec 19, 2019
Hi Harvey. 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 great Holiday! –Rene'
Chip
Myself and my wife initiated cell phone service over a week ago. Lifelock notified me within seconds. CompleteID still has not notified either of us. What exactly are we paying for???
Manuel
The representative I spoke with was very willing to help me with my concerns and questions. She took the time to explain each question I had about my account.
Reply from Complete ID
Nov 18, 2019
Hi Manuel. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Maxine Dewey
It was a very easy process and they solved the problem
Reply from Complete ID
Nov 18, 2019
Hi Maxine. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
W E Fowler
The person I spoke with yesterday was well versed in what needed to be done. The only reason why I did not rate him with five stars was that he was very aggressive and in a hurry to complete the call.
Karl Willig
I was notified promptly of a credit inquiry that was occasioned by a fraudulent attempt to create a credit card in my name. I was able to contact the vendor in question and ensure that the account was canceled.
Reply from Complete ID
Nov 14, 2019
Hi Karl. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Catfish
I received a notification from Complete ID that my email address had been found on the Dark Web. I called to inquire. The associate explained it ha been taken from Whitepages.com which had been hacked. He told me to change my password (which I had already done) and not to open any suspicious emails or links (which I never do - I delete them). We discussed that emails are part of Public Information and if I have taken the above steps I should be fine. Talking to him greatly relieved my worries. Thank you so much.
Reply from Complete ID
Nov 14, 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
NP
No matter what I did I wasn't able to log in to my account. I normally work on accounts in the wee hours of the morning so having computer systems down for maintenance didn't help my frustration either. Ivy came to my rescue. She patiently helped me to log in. It was no simple task. Site asked for my email address to log in but in my case that wasn't going to do it. Ivy then helped me to change my PW. She stayed with me until I was able to log in successfully. Of course this meant that she had to manually paste my PW into the site or it didn't work. Hope I am one of those unlucky few with such frustrating issues to overcome. Thank goodness for representatives like IVY. Sorry for the confusion, but it was very frustrating for me - not a super user but definitely not a novice.
Reply from Complete ID
Nov 13, 2019
Hi. Thank you for your feedback. I am glad that Ivy has exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Jeff
Found and address irregularity. telephone agent transferred me to the source, sat on hold for 20 minutes to have them hang up on me. your agent led me to believe there would be no wait.
Harvette04
I called because I received an email that said I have an alert and I should log in to Complete ID immediately. I logged in and there was no message. When I called, the agent who answered my call, could find no message either. What a waste of my time.
Penny
I was told to change my passwords because the dark web is trying to get into my e-mail account.
Reply from Complete ID
Nov 13, 2019
Hi Penny. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
1HappyGirl
I called inquiring about an "Alert" I received from Complete ID. The only bad experience and the only reason it wasn't a 5 star experience, was the wait time for an agent. I waited 20 minutes, but I had never received something concerning the "dark web" before and thought it was important. When your agent, Amanda, answered my call, she alone, made it worth the wait. She quieted my concern with her knowledge and reassurance, regarding this matter. Thank you, Amanda .... Katherine
Pemmapwd
Received a spurious alert. Called customer service, was on hold for 15 minutes then was told I had to forward your email to another experian company. Your website confusing and it's hard to find the appropriate alert. If you're concerned enough to send an alert it should be be on your home page not buried in a tab with a lot of cross-marketing material.
Richard Peppin
Their phone support was fast, helpful, and friendly.
Reply from Complete ID
Nov 08, 2019
Hi Richard. Thanks for the feedback. I am glad that we have Exceeded your Expectations. Hope you have a great weekend. Thank you. -Dorothy
Rick Hanna
I want my money back. I opened account on Tuesday of this week and still can't access my account 4 days later. Customer service was helpful, but had no answers for me. JUST CREDIT MONEY BACK TO MY CREDIT CARD
Coloradan
This company did not seem to care that I signed up for the service and the portal was not showing anything of value (no scores and no reports) for 5 days and going while I had to consult my credit report to look into something suspicious. I called a few times and the best they could do was to say that their technicians were working on it and would get back to me. They finally resolved the technical issue five days later and luckily there were no issues with the report. I just wished Complete ID had taken care of the technical problem quicker.
Mary
You are there for me and make me feel safe!
Reply from Complete ID
Nov 04, 2019
Hi Mary. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
Debbi d
Complete ID notified me our email address was found on the dark web, I had a few questions. I gave them a call, the customer service rep was very helpful and answered all my questions in a clear concise manner
Reply from Complete ID
Nov 04, 2019
Hi Debbi. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Dorothy
ed
does not work, customer service could not help, could not complete registration. do not succeed to connect to the incomplete record. will stop the non service tomorrow