Complete ID, formerly known as Premium Identity Protection, is an identity theft protection company that was founded in 1996 and is based in Austin, Texas. 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 for Executive Costco members and $13.99 for Costco Gold Star and Business members.

The company is partnered with Costco which is why it provides a discount for its identity theft protection services to Costco members. Complete ID also provides credit monitoring services that include all three main credit reporting bureaus. The company offers 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. Consumers who are not Costco members may take advantage of Complete ID's services for $19.99 to $29.99 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), 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, monthly VantageScore credit score updates (involving customers' monthly Equifax credit report), 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 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 have 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 identity theft protection services, including medical and tax identity recovery. It is unclear whether or not the company treats pre-existing identity theft conditions or provides anti-virus software. According to its website, Complete ID also does not provide 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 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 seems to have a lack of coverage for multiple types of identity theft 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. 

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User Reviews

Star Rating

3.6
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266 Reviews

Review Breakdown

5 star
52%
4 star
11%
3 star
8%
2 star
6%
1 star
24%

Sentiment Criteria

Value for your money
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Brian
March 29th, 2017 San Jose, CA

What a joke this is. One you will never get a hold of anyone and when you do they are NOT helpful. canceled after a few months and still feel violated.

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Tunji
November 7th, 2016

Please don't waste your money, your time and your high valued personal information. This company will sell your information, soon after your sign up with them, be prepare for tsunamis of telemarketing calls and offers nationwide. Also, it seems they cant even get there stuff right, three times they kept charging my card with wrong billing address despite having given them the right one. I ended up signing up with wells fargo ID monitor and getting better result and no sale of private information to third party.

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Scott
October 27th, 2016 Walnut Creek, CA

The complete ID generates suspect information, and does NOT provide any actionable information. I've had the service for awhile. I received an identity notification. I login and Complete ID tells me in a notification that they found my email address and some password on the internet. They suggested I change my password. I called and worked my way up thru a supervisor to find out about this so called information. #1 - Complete ID cannot tell me where they found this information. This is a problem as it does not give me any actionable information so that I can access the validity of their information. Was this information garnered from the dark web, or Jim Bo's prank site on youtube. #2 - They have found my email address and a password on said "bad site." However, they cannot, or will not tell me what this bad site actually lists the password as! The reason the above information is important is it is crucial in me determining IF this is a legitimate threat. My email address is ALL OVER the internet as I am a business owner with published email address. That same email address is used on at least 70-90 different accounts. How am I to determine which account needs the password changed on, if they will not tell me which password they uncovered, nor the site being referenced. As far as I know, it could be Billy Bob at complete ID sitting in a back room trying to make customers feel like they are getting value out of the service they are paying for. (Obviously not possible with a legitimate business you say....tell that to Wells Fargo Customers that had Millions of bogus accounts created in their names by a fine upstanding business!) Bottom line, complete ID provides no useful information that a customer can actually use to determine if they are subject to a breach. If there system is not advanced enough to copy down said information, or tell me where said information is supposedly located, its worthless. I will not change my individual passwords on 70-90 different sites. We have cancelled our service. We would still be a customer had I received what I thought I was paying for: Dear MR XXX, We have found your email listed at this site: www.URL.com It is listing this password (specific password) We encourage you to take appropriate action and change your password for this site. Instead what I got was nothing but questions, and the realization that I'm not actually getting what I am paying for.

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Mandy Chan
October 8th, 2016

i ordered a fan through the costco website recently, the next thing you know my Chase Freedom credit card's information is stolen. I was so glad that my bank contacted me immediately about the suspicion usage on my credit card. I am never going to shop on the costco website ever again.

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michael mccormick
September 19th, 2016 Naples, FL

if you need to reset your password they send u a link . PROBLEM , it doesn't work with Microsoft web browser EDGE . so u cant reset your password . call customer service , they admit to the problem and suggest you download another browser like google chrome and start using that . if these guys cant even get their website to work with the #1 used browser in use , can u trust them that there software well actually work to protect your identity ? no wonder these guys have some of the worst reviews out there . Costco needs to allow members to rank this service on their website.

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Heather Kim
September 9th, 2016 San Antonio, TX

I actually had my identity stolen thanks to a leak by the federal government. Over 50K in credit card damage. I purchased the Costco Complete ID right afterwards and they have lead me step by step on how to recover and prevent this from happening again. They answer the phone 24-7 and have always been super helpful. And so grateful to this company and will continue to use them.

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Gary C
August 1st, 2016 Morrison, CO

Like all of Costco's other affiliates, the company is first class. The negative review above is obviously by one of their competitors who are threatened by this Costco partnership and trying to discourage Costco members from signing up. They even recommend themselves. Shameful! I'd be surprised if they even print this review, unless they just don't bother to read it first.

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Jim Snyder
July 18th, 2016 Jacksonville, FL

been a member of this service Costco CSID for about 6 months, never had a need to call in until they sent me an alert that a derogatory item had been added to my credit report. I called them to tell them that I had never heard of the company, the girl that answered was lost and finally hung up after I spelled out my email address for the 3rd time and she still didn't get it. I called back to talk to a supervisor and another representative was going to handle the item but told me I could call the creditor and gave me the number. This service is completely worthless and I cancelled after the 2nd call. Good riddance.

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Mike
July 11th, 2016 Troy, MI

I tried to sign up online my wife tried to sign up online and it wouldn't take our information. They have no idea why. After reading the reviews I think I'll try another identity protection company.

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Andrew Kung
March 15th, 2016 Rialto, CA

Easy to enroll, but could not give me an invoice or proof of payment. It did not register my Costco Executive membership and charged me $19.99 for 1 month, and they would not refund me the first month after being unsatisfied by their billing process within 20 minutes of signing up. Not sure what kind of company would not provide a proof of payment or an invoice, but this is a path I do not want to go down. I'm sure the protection is adequate, but if i'm paying for a service, I rather pay for a good service.

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HiFiman
March 2nd, 2016 Novi, MI

easy to enroll, has same level protection as so-called "top of the line" company...all questions answered fully prior to enrollment. Main reason you can't get info is because they only give out info if you are a Costco member.

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doug
December 21st, 2015 Roseville, MI

I was on hold for 1 hour to talk with them about a question, I stepped away to go to the restroom for 2 minutes and they hung up on me.

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steve
November 4th, 2015 East Quogue, NY

I became a member 2012,had my cards hacked three times never heard from I.G. The credit card companies sent me alerts immediatly.I felt I.G. should have knowledge of of the problem.I have called them numerous times as to wrong info in my file they have done nothing to fix this problem

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margaret
April 6th, 2015 Hood River, OR

They sold my information and phone number! Now Im pluaged with bills from my x husband from 15 years ago! Also all kinds of "ads" by pjhone no thanks cancel me!

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S Pala
March 2nd, 2015 San Diego, CA

Identity Guard is a company that does not have good business practices. After keeping the account for over 2 years my credit card on the account expired, a little after that i went in there and changed credit card expiration date , they charged and and somehow for non-payment (again i was actually charged) then they cancelled my account. Despite talking to several account reps they said that they can not reinstate me and i have to start again with a new account (at 3 times the cost). Even though very frustrated i did. Now i learned that i was being 'misinformed' and i could have asked to be reinstated but not any more because i was 90 days late (now, not then). Costco needs to know the business practices of IDENTITY GUARD and how they do the bait and switch type activity to their corporate members.

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Moira Leigh
February 27th, 2015 Aptos, CA

I have tried to purchase the product through Costco. I am an attorney who holds credit cards issued with my business address and with my home address. With my Name, both addresses, American Express Card number, Costco number, phone numbers and e-mail address the intake system is unable to identify me. I have answered the questions but the system does not believe the answers. I have a credit score in the 800 range so have lots of credit. I have tried to process this on the computer on two different days, and talked to three of live employees. I think the company needs to have better questions Like "home address" or "business address" or the address on a certain credit card. There is no way that I will be able to identify myself for this program or for the employees who can't find even my name anywhere. There is always something wrong with the imput and then I am blocked out. The company was able to charge my card for $1.00 so ????????? what's up with that????