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
500 Reviews
Review Breakdown
Sentiment Criteria
Dvorah Henderson
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'
NANCY SCHLIEPER
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'
Bill
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'
Robert R McEvilly
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'
Candy
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'
TP Narayan
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'
Adele
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'
Adele
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'
Steve Consani
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'
John Thomas
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'
hld
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'
Christopher
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'
Margaret Newman
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'
Pat
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'
Subhash Bhatia
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'
Kristina Stevenson
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'
Kathy from San Diego
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'
g
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'
Brad Reif
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'
Vasavi K Reddy
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'
GHurley
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.
Mary Pope
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'
Josef Mack
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'
Sharon
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'
ME
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'
Debs
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'
Rodney Green
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'
Tom Laura
The alerts should be more specific. "We have found a match to your monitored information" is vague and rather cryptic. I had to call customer service to find out what I was being alerted about, since I could find nothing out of the ordinary when I logged into the site. The rep answered my question.
Reply from Complete ID
Apr 03, 2019
Hi Tom Laura, Sorry to hear that your experience may not have met your expectations. We do listen to our customers and will take your concerns into consideration as we continue to improve our products. I am glad that the Customer Service Agent was able to assist you and answered all your questions. Hope you have a great day. Thank you -Rene'
Arthur G Radtke
Very helpful ,agent discussed about the fraud alert warnings for three different purchases.
Reply from Complete ID
Apr 03, 2019
Hey Arthur. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Oki
The first two people who helped me was patient, knowledgeable and very helpful. I have never encountered such great staff support before. There is a saying in business - the best salesperson a company can have is a satisfied customer. Well these first two helpers made me a Very Satisfied Customer. I have told my family and friends about your help staff.
Reply from Complete ID
Apr 03, 2019
Hi Oki. Thank you for your feedback. I am glad that both of the Customer Service Agent have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Carmelo
I am new with computers, I called the Support Team and I got a quick response.
Reply from Complete ID
Apr 03, 2019
Hi Carmelo. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Disappointed Customer
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.
Mick
I called twice and both of your folks were wonderful. It was really nice to deal with people who could understand and even speak English. (That hardly ever happens anymore.) I had been thinking of cancelling this service but these two employees have caused me to forget about doing that. Thank you for hiring such good people, Mick Pulliam
Reply from Complete ID
Apr 03, 2019
Hi Mick. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Val
2-3 days and hours later my account is still not fixed - 😑
Joan G
Marlena F in your Restoration Department is remarkable. Her patience and professionalism are stellar. She is a life saver!
Reply from Complete ID
Mar 22, 2019
Hi Joan. We are so pleased that Marlena, was able to exceeded your expectations. Hope you have a great day. Thank you -Rene'
Leesa
I called a representative about a question I had and he was very professional. Will took his time to explain things and was very patient. I felt like I was talking with someone who cared.
Reply from Complete ID
Mar 22, 2019
Thank you for your feedback. We are so glad that we have exceeded your expectations. Hope you have a great weekend. Thank you -Rene'
cdw
Agent was well informed and helpful throughout the process.
Reply from Complete ID
Mar 22, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Daniel Duffy
They provide zero email support or even contact addresses. If you prefer email over calls, and would like to have a written record of your communications with them, they provide no solution.
Reply from Complete ID
Mar 22, 2019
Hi Daniel. Thank you for your feedback. Sorry to hear that your experience may not have met your expectations. We do listen to our customers and will take your concerns into consideration as we continue to improve our products. Thank you. Have a good day! –Rene'
E. M. G.
I was referred by Costco’ Complete ID to a source that answered all my questions.
Reply from Complete ID
Mar 22, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
john markos
agent was very helpful thank you , thanks for keeping me in formed.
Reply from Complete ID
Mar 22, 2019
Hi John. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great weekend. -Rene'
Thomas O'Hanlon
THEY WERE ABLE TO CHECK ON MY CONCERNS AND FOUND THAT ALL WAS FINE.
Reply from Complete ID
Mar 22, 2019
Hi Thomas. Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Mr. Regretful
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!
Dave
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.
Billy Howerton
I recently changed my password to better access my account. I did not have much success navigating your website so after placing a call to Complete I.D. the lady helped to make the change very efficiently. Thank You
Reply from Complete ID
Mar 12, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
SALLY
The person I spoke with was SUPER helpful and answered all my questions . This is my first experience with a credit alert company so I am just learning.
Reply from Complete ID
Mar 12, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Katheryn Mitchell
Although I was assured someone would call me, I have yet to receive a call. Nothing has been resolved.
Don Nathlich
Very good experience when I called to inquire on email notification. Answered call timely - only on hold for short period. In summary - very helpful.
Reply from Complete ID
Mar 12, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Nora McDonnell
I received courteous and professional assistance from your customer service representative.
Reply from Complete ID
Mar 12, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Lynn
I recently had a situation where my credit card that I use to let Complete ID take out my monthly fee had some suspicious activity that the bank shut down the card. Since my payment would be coming due before I received a new credit card I called to make sure that Complete ID was aware of what happened and not to charge that old card. I also needed to ask for if they could put off taking out the payment until I received my new card. They were extremely helpful and understanding and were more than happy to move my due date. This certainly helped save me a lot of time and worry by their willingness to help me.
Reply from Complete ID
Mar 12, 2019
Thank you for your feedback. I am glad that we have exceeded your expectations. Hope you have a great day. Thank you -Rene'
Nabeel
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