Complete 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

3.7
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322 Reviews

Review Breakdown

5 star
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4 star
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3 star
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1 star
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Carmelo
March 27th, 2019 Redondo Beach, CA DETAILS
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I am new with computers, I called the Support Team and I got a quick response.

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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'

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Mick
March 27th, 2019 Arlington, VA DETAILS
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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

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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'

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Disappointed Customer
March 27th, 2019 Bellevue, WA DETAILS
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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.

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Val
March 26th, 2019 Yucaipa, CA DETAILS
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2-3 days and hours later my account is still not fixed - 😑

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Joan G
March 22nd, 2019 New York, NY

Marlena F in your Restoration Department is remarkable. Her patience and professionalism are stellar. She is a life saver!

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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'

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Leesa
March 22nd, 2019 Seattle, WA DETAILS
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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.

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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'

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cdw
March 21st, 2019 Auburn, CA DETAILS
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Agent was well informed and helpful throughout the process.

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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'

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Daniel Duffy
March 21st, 2019 Fresno, CA DETAILS
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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.

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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'

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john markos
March 21st, 2019 Saint James, NY DETAILS
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agent was very helpful thank you , thanks for keeping me in formed.

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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'

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E. M. G.
March 20th, 2019 Gadsden, AL DETAILS
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I was referred by Costco’ Complete ID to a source that answered all my questions.

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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'

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Thomas O'Hanlon
March 18th, 2019 Greensboro, NC DETAILS
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THEY WERE ABLE TO CHECK ON MY CONCERNS AND FOUND THAT ALL WAS FINE.

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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'

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Mr. Regretful
March 18th, 2019 Port Angeles, WA DETAILS
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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!

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Dave
March 18th, 2019 Las Vegas, NV DETAILS
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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.

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Billy Howerton
March 12th, 2019 Visalia, CA DETAILS
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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

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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'

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SALLY
March 12th, 2019 Cypress, TX

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.

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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'

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Katheryn Mitchell
March 11th, 2019 Jackson, CA DETAILS
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Although I was assured someone would call me, I have yet to receive a call. Nothing has been resolved.

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Don Nathlich
March 11th, 2019 San Ramon, CA DETAILS
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Very good experience when I called to inquire on email notification. Answered call timely - only on hold for short period. In summary - very helpful.

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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'

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Nora McDonnell
March 11th, 2019 DETAILS
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I received courteous and professional assistance from your customer service representative.

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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'

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Lynn
March 11th, 2019 Murrells Inlet, SC DETAILS
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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.

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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'

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Nabeel
March 7th, 2019 Culver City, CA DETAILS
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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

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charlie thorne
March 4th, 2019 Perris, CA DETAILS
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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.

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Ramesh Shah
March 4th, 2019 Anaheim, CA DETAILS
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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!

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CA Smith
March 4th, 2019 Inyokern, CA DETAILS
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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.

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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

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Lois
February 27th, 2019 Hillsboro, OR

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.

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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

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Erika Arnold
February 25th, 2019 Vancouver, WA DETAILS
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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!!

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Betty G
February 25th, 2019 Wauna, WA DETAILS
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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!!!

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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'

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Paul -Vista CA
February 19th, 2019 Vista, CA DETAILS
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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

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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

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SSkylar
February 14th, 2019 Key West, FL DETAILS
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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.

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Donna White
February 14th, 2019 Lakeside, CA DETAILS
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Excellent experience. Great employee. Thank you!

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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

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Vivian Gualtieri
February 14th, 2019 Tomball, TX DETAILS
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They were very helpful and even help us with contactinf transunion.

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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'

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RAYMON B SINGH
February 14th, 2019 Kissimmee, FL DETAILS
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Great customer service, My problem will be taken care of I am pretty sure, because of you guys hard work.

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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'

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Caroline Jardine
February 14th, 2019 Federal Way, WA DETAILS
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Twice I had questions about possible threats to my credit. I called and was told they would monitor the areas where I had concerns.

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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'

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Jeanne
February 14th, 2019 Las Vegas, NV DETAILS
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The Customer Service Rep was most helpful concerning the details of an email that was sent. Always nice folks

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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'

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Thomas Rhea
February 12th, 2019 Bedford, TX DETAILS
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Caught activity in my accounts and notified me. Good action.

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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'

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william
February 12th, 2019 West Palm Beach, FL DETAILS
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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.

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Francine Welchez
February 12th, 2019 Fallbrook, CA DETAILS
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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.

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gbk
February 7th, 2019 Elgin, SC DETAILS
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having great difficulty getting into my account. I requested a new password; there was no mail followup. I tried again and clicked on reset password and still waiting. And waiting. And waiting.

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Reply from Complete ID

Feb 07, 2019

Dear GBK, It is important to me that you can access your account. Will you please email our team at [email protected] Please provide your issue, name and phone number. They will assign somebody to your case. Please report back to me once this is completed and if you are satisfied with your support. We look forward to resolving this problem. Sincerely, Josh @ Complete ID

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John
February 6th, 2019 Merced, CA DETAILS
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Excellent and Immediate help with my issue. The folks are experts in their field with exquisite customer service skills.

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Reply from Complete ID

Feb 06, 2019

John, thanks for the positive feedback. It makes us happy to hear that you had a great experience. We look forward to serving you more in the future. Sincerely, Josh w/ Complete ID

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Esmeralda
February 6th, 2019 Northridge, CA DETAILS
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Complete ID has always offered great Customer service! Every time I call , they are very helpful and always answer any questions I have. I’m now notified by them if something happens regarding my information.

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Reply from Complete ID

Feb 06, 2019

Esmeralda, thank you for the positive feedback. It makes us excited when we hear that our reps are giving you a great experience. We look forward to serving you in the future. Sincerely, Josh w/ Complete iD.

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John
February 6th, 2019 Waukesha, WI

Attempted to sign up. Card was charged and received setup email. Attempting to login gave a notice that my identity wasn't able to be verified. After calling the number I was informed that they coulnd't verify my identity and couldn't tell me why other than it wasn't fraud. Went to another service and was completely set up in 5 minutes.

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Reply from Complete ID

Feb 06, 2019

John, I am sorry that you had a negative experience. However, thank you for providing your feedback. We are in the process of bringing some new features in that will help make the validation process accessible to more users. I am glad that you found a service that works for you. Sincerely, Josh w/ Complete ID

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Carlos
February 6th, 2019 Homestead, FL DETAILS
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Recently we had a credit check as part of a mortgage refi process. No alerts were issued by Complete ID untill the following day? This was upsetting to us and even more so when my wife received an immediate alert from Credit Karma without even being a member or paying for any services. I feel that Complete ID failed in this regard and although we finally received an alert from Complete ID the following day it simply was not fast enough. In today's world where ID theft is very real and on the rise these alerts should be expedited immediately comsidering that time is if the essence if credit restoration would be required. We are not very happy about the response time from Complete ID. Hopefully this glich gets fixed asap!

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Eric Houlberg
February 6th, 2019 Traverse City, MI DETAILS
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The fellow I talked with was VERY knowledgable about my particular security concern. He looked further into my password concerns and we agreed that there was nothing to be concerned about.

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Reply from Complete ID

Feb 06, 2019

Eric, thank you for the positive feedback. I am glad that our rep was able to help you feel peace of mind about your password. We look forward to serving you more in the future. Sincerely, Josh w/ Complete ID.

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Huy nguyen
February 6th, 2019 Simi Valley, CA DETAILS
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I have an unauthorized withdraw from my 401k. I contact complete I'd and they assigned me a specialist to help me on this issue. I will let you know the result of this difficult issue, but at least I got some help for now.

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Reply from Complete ID

Feb 06, 2019

Dear Huy, Thank you for you feedback. Please update your review once your issue is resolved. I would love to hear about your restoration experience. Sincerely, Josh @ Complete ID .

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gerald schmitt
February 6th, 2019 Benicia, CA DETAILS
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I just had a general question on how to find something in my report. The lady that I talked with on the phone was extremely friendly and nice and answered my question promptly. She was very professional, yet very friendly. Gerals

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Reply from Complete ID

Feb 06, 2019

Gerald, thank you for the positive feedback. We look forward to serving you again in the future. Sincerely, Josh w/ Complete ID.

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Kim
February 6th, 2019 Renton, WA

Very easy to sign up. When I called customer service...talked to a representative immediately, no wait time on phone. She was very knowledgeable and answered my questions....very happy and glad I chose them.

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Reply from Complete ID

Feb 06, 2019

Kim, thanks for your positive review. We take pride in our best-in-class support team and I am glad that you didn't have to wait on hold. We look forward to serving you in the future. Sincerely, Josh w/ Complete ID

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MAUD SEELEY
February 5th, 2019 Loma Linda, CA DETAILS
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Excellent and professional. Representative knowledgeable and courteous. I am glad I have this service. Thank you. mems

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Reply from Complete ID

Feb 06, 2019

Maud, thanks for the positive feedback. We look forward to serving you more in the future. Sincerely, Josh w/ Complete ID.

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Michele Coviello
January 31st, 2019 Lynnwood, WA DETAILS
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Had a good experience with CSR Ivy. She was very sweet and knows her stuff. Did not have to wait long either for the CSR either. Answered quickly and was ready to help immediately. Excellent customer service.

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Reply from Complete ID

Feb 06, 2019

Michele, thank you for the positive feedback. I am passing your review on to our Complete ID call center manager. We look forward to serving you more in the future. Sincerely, Josh

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Saroya
January 30th, 2019 San Jose, CA DETAILS
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Recently i received an email alert with some kind of account holder changes.. I called in to verify the alert status. I got helpful respond and answer..

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Reply from Complete ID

Feb 06, 2019

Saroya, thank you for the positive review. I am glad that Complete ID was able to alert you and you were able to verify the alert status. We look forward to serving you in the future. Sincerely, Josh w/ Complete ID

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Tony S
January 30th, 2019 Mauldin, SC DETAILS
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The representative was extremely knowledgeable and sympathetic to my circumstance. She advised me how to prevent ID theft and made me aware of how it occurs.

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Reply from Complete ID

Feb 06, 2019

Tony, thank you for the positive feedback. I am glad that our support rep provided you with valuable information. We look forward to serving you in the future. Sincerely, Josh w/ Complete ID.

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John Huynh
January 30th, 2019 San Jose, CA DETAILS
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Complete ID made the process smooth and easy for me. Worth every dollar for the peace of mind and support.

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Reply from Complete ID

Feb 06, 2019

John, thank you for the positive feedback. We look forward to serving you more in the future. Sincerely, Josh w/ Complete ID.