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*. 

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. 

Visit Site

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. 

*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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367 Reviews

Review Breakdown

5 star
56%
4 star
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3 star
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2 star
6%
1 star
21%

Sentiment Criteria

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marcus cassimus

December 5th, 2018 Albuquerque, NM DETAILS arrow_drop_down
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I called and asked a couple of questions and the gentleman helped me immediately and was very courteous

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Jenny

November 29th, 2018 Bellingham, WA DETAILS arrow_drop_down
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Timely addressed my issues and explained how theyd be able to help

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Reply from Complete ID

Dec 05, 2018

Jenny, we are glad you had a great experience. We look forward to serving you again in the future. -Josh

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Ernie Linkous

November 29th, 2018 La Mesa, CA DETAILS arrow_drop_down
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Prompt and excellent service. My situation was resolved in one call.

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Reply from Complete ID

Feb 06, 2019

Ernie, thanks for the positive feedback. We look forward to continuing to serve you in the future. Sincerely, Josh w/ Complete ID

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Christine Pietsch

November 28th, 2018 Newport Beach, CA DETAILS arrow_drop_down
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Signed up beginning of November and Experian still has not been able to verify information. Even faxed items etc. They claim the system verification is done and to check back each week, and each week I get the same story.

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Reply from Complete ID

Dec 05, 2018

Sorry to hear that you’ve been having trouble authenticating. We are in the process of updating our authentication processes to improve the member experience. I apologize for the inconvenience. Please try to enroll again within the next few days. Feel free to reach out to us at [email protected] if you have any questions.

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BT

November 28th, 2018 Libertyville, IL

I have had the worst experience with Complete ID (so far). I attempted to sign up on Saturday. It said I had to call to talk to someone which I did on Sunday. That call lasted a while and ended with me having to call back on Monday (which could have been stated at the start) On Monday I had to call in 3 times as I was disconnected once and transferred to the wrong department. Then I was finally told that an additional investigation on my sign up had to take place and they would call back in 3-5 days. I am just trying to sign up for service. I have great credit. I just ran a report and it was clean. We are just looking for better protection. I hope these comments help. I’m losing faith in this company as a service.

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Chris

November 27th, 2018 Hurst, TX DETAILS arrow_drop_down
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I have been billed for several months without any access to my account. I have called multiple times and never get the password reset despite them having the right contact information. They can get me surveys but not access to the system

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Reply from Complete ID

Nov 27, 2018

Dear Chris, it is important to us that you can access your account. Will you please send our team an email at [email protected] I will let them know that you will be sending an email. We will take a second look at your case. Sincerely, Josh

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Roberto Castro

November 27th, 2018 Fairfax, VA DETAILS arrow_drop_down
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The two representatives I contacted about a breach of my personal information provided sound advice and recommended actions I had to take to minimice my problem.

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Reply from Complete ID

Nov 27, 2018

Hi Roberto, Thank you for your feedback. We are glad that we were able to support you. Thanks, Josh

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Mary E. Smith

November 27th, 2018 El Paso, TX DETAILS arrow_drop_down
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Excellent experience, my problem was solved in minutes. I am encouraging my children to enroll.

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Reply from Complete ID

Nov 27, 2018

Hi Mary, Thank you for the positive feedback. We look forward to serving your children. Thanks, Josh

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Jessie L

November 27th, 2018 Jacksonville, FL DETAILS arrow_drop_down
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Advise about a ssn alert as something fraud. They refused to take further action unless I could prove with a credit bureau and prove my identity has been used. Very poor customer service received by agent

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Reply from Complete ID

Nov 27, 2018

Hi Jessie, We are sorry that you had a negative experience. We want to make it right. Would you mind sending an email to [email protected]? I will let them know that you will be emailing them. Thanks, Josh

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Tess

November 27th, 2018 Redford, MI DETAILS arrow_drop_down
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I've just gone thru a scary situation where someone accessed my debit card for online purchases. Thanks to my bank, all has been fixed. But I never heard a word from Complete ID about any of it. Not worth the money, even though it's cheap.

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Reply from Complete ID

Nov 27, 2018

Hi Tess, thank you for providing your feedback. I will forward this information along to our product team. When designing the product, we wanted to provide services that are adjacent to what is provided by your bank. If your identity is ever compromised and your bank detects the breach, you can always work with our restoration team to contact your bank and take other necessary actions to prevent future fraud. Feel free to reach out to us at [email protected] if you want to have a conversation. Sincerely, Josh

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Kelli

November 27th, 2018 Waialua, HI DETAILS arrow_drop_down
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I like that I dont need to worry about my credit. And when I have to call it is very fast and convenient. I get monthly updates about myself.

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Reply from Complete ID

Nov 27, 2018

Hi Kelli, thanks for sharing your positive experience. Sincerely, Josh

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Gary Biz

November 27th, 2018 Washougal, WA DETAILS arrow_drop_down
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We subscribed because someone obtained a credit card in our name and used it to run up a big bill 2500 miles from where we live. So far, we've been impressed by the helpful people we've spoken with. I feels good to know that we have quick access to our credit information and help is just a phone call away if we have further fraud issues.

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Reply from Complete ID

Nov 27, 2018

Hi Gary, thank you for sharing your positive experience. We look forward to serving you more in the future. Sincerely, Josh

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Billy N

November 27th, 2018 Clifton, NJ DETAILS arrow_drop_down
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The rep Ricky was very helpful and provided me with some information & security tips I found very helpful. Very positive exoerience giving me peace of mind.

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Thomas

November 27th, 2018 Columbia, SC

Unable to verify my identity due to some unknown “glitch” that IT has yet to correct! Very dissatisfied with what appeared to be a seamless process with completing my enrollment. I have been instructed to check weekly for a remedy and I await a call from a Supervisor in Customer Service as to when all is ready for my complete enrollment.

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Leonard Antick

November 20th, 2018 Chula Vista, CA DETAILS arrow_drop_down
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With the focus on detail, I get the information that I need.

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Gerald R. Shanks

November 20th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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I forgot to change the credit card number when I received a new card. The representative that assisted me was very professional and made the change easy to do. I think her name is Ashley. She is a great asset to your company.

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Omar Torres

November 20th, 2018 El Cajon, CA DETAILS arrow_drop_down
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If I could leave zero stars I would. Encountered incompetence, unprofessionalism, and lack of follow-through at every turn.

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Reply from Complete ID

Nov 27, 2018

Dear Omar, I am sorry that you had a negative experience. It is important to us that members have a best-in-class experience. If you are still having trouble or would like to bring any issues forward to our team, will you please email us at [email protected]? We want to make it right. Sincerely, Josh

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Chris

November 16th, 2018 DETAILS arrow_drop_down
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The rep. that I spoke to, Ed, was pleasant and was able to get the process going to fix my problem. TY.

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Glenn H

November 16th, 2018 Garden Valley, ID DETAILS arrow_drop_down
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I have been with Complete ID for several years. A couple of years ago they led me by the hand through a terrible identity theft/credit card situation. In the end it was fixed with no out of pocket financial damage to me. Just recently my wife experienced a similar credit theft attempt using her information. She was not included in the Complete ID protection at the time. She/we called Complete ID and were led through the process of getting her signed up and instructed in the steps to get credit freezes and signing her up with her own Complete ID account. A very nasty situation took very little time to make disappear and get her covered to prevent further credit theft situations in the future.

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Bogart Moran

November 16th, 2018 South Gate, CA

I have been trying to join Costco’s CompleteID identity protection, since Sunday, Nov. 11 and it’s now Thurs. Nov. 15, and have been having difficulties setting my account. Customer service has not been able to resolve the situation. I have not been able to authenticate any of my information like they’ve offered me, and have not received calls back like they promised. I am very disappointed and will cancel any transactions soon for lack of professionalism and support.

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Steve

November 14th, 2018 Holmdel, NJ DETAILS arrow_drop_down
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I'm pretty happy with this service. The monitoring does pick things up and I the one time I had to call in, I got good info. It's a good value for the money - glad I switched from Life Lock.

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Anthony

November 14th, 2018 Surprise, AZ DETAILS arrow_drop_down
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The current medical insurance monitoring is limited to 2 account numbers. Since Medicare is issuing new cards with a new account number, provision should be made o monitor the old and new number. Suggest this monitoring be opened to 3 account numbers

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Jane

November 14th, 2018 Wauna, WA DETAILS arrow_drop_down
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I have always found Complete ID very helpful and supportive in answering my questions thoroughly and clearly . I’m very pleased and confident in my choice with Complete ID. ☺️

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Reply from Complete ID

Nov 14, 2018

Jane, thank you for the kind words. It makes us happy to know that you find our team helpful and supportive. We look forward to serving you more in the future. Sincerely, Josh

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J. R. SWANSONringsted

November 13th, 2018 Smyrna, DE DETAILS arrow_drop_down
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My experience was thorough and helpful and we were able to reach a syccessfyk conclusion.

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Reply from Complete ID

Nov 13, 2018

J.R., thanks for the positive feedback and we look forward to serving you more in the future.

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Aaron Gardner

November 12th, 2018 Tucson, AZ DETAILS arrow_drop_down
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When i needed there help getting my credit report when I was going to buy a new car they said i needed to log in i told them i can't I've never been able to get logged in since day one they said sorry waste o f my money!

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Reply from Complete ID

Nov 13, 2018

Hi Aaron, We are sorry that you have had trouble logging in. We want to make sure you are able to access your account. Will you please email us at [email protected]? Thanks, Josh

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Martin Kiker

November 12th, 2018 Greer, SC DETAILS arrow_drop_down
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John was very helpful. He was professional and opened an investigation into my issue immediately. It has only been a day, so I still waiting on the findings.

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CDM

November 12th, 2018 Tracy, CA DETAILS arrow_drop_down
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Highly recommend Complete ID. Representatives are great 👍and very helpful.

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Reply from Complete ID

Nov 14, 2018

CDM, thanks for the positive recommendation. -Josh

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David

November 7th, 2018 San Antonio, TX

After the husband enrolled he went to enroll his wife. Complete ID was not able to access the wife's credit file. Called the representative for a solution. Representative accessed the credit file for the wife but was unable to proceed with the enrollment for the wife. Told to wait a week for the system to resolved. Husband promptly cancelled his enrollment.

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Joseph Tapia

November 6th, 2018 Cincinnati, OH

I tried to sign up but was not successful. I was trying to sign up my wife, I must have answered a question wrong because it would not go accept.

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Reply from Complete ID

Nov 06, 2018

Dear Joseph, Thank you for signing up for Complete ID and I am sorry that you had a difficult time authenticating. It can be frustrating to sign up for something and not have it work. If the issue has not been resolved, will you please reach out to our dedicated support team at [email protected]? Thank you for your business and we hope to get your situation worked out. Sincerely, Josh

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Mina Gendi

November 6th, 2018 Mission Viejo, CA DETAILS arrow_drop_down
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Completely unsatisfied. I called to inquire regarding a significant dip in my credit score, and they provided ZERO help/insight.

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Reply from Complete ID

Nov 06, 2018

Dear Mina, I apologize that you did not receive the help and insight that you are looking for. If you are interested in re-engaging with our team, please email [email protected] We would appreciate the opportunity to have another conversation. I have briefed our team on your issue. Sincerely, Josh

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Kathy

November 6th, 2018 Eugene, OR DETAILS arrow_drop_down
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The gentleman that helped me with logging back in to my account was very nice. When I said thank you and was ready to hang up he asked if he could help with any questions. He stayed on the phone and explained everything to me. Thank You!!!!

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Reply from Complete ID

Nov 06, 2018

Kathy, I am glad that you had a great experience with our support rep. We look forward to continuing to serve you. -Josh, Complete ID

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Elizabeth Benz-Rosenberg

November 2nd, 2018 Sun Valley, NV DETAILS arrow_drop_down
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Customer service representative was very helpful and answering my questions and telling me where I needed to go in the computer to look up the information

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Reply from Complete ID

Nov 06, 2018

Elizabeth, thank you for your review. I am glad that you had a great experience with our customer service representative. We look forward to continuing to serve you. -Josh

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Andrew Bramasco

November 2nd, 2018 Fountain Valley, CA DETAILS arrow_drop_down
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My complete ID representative was able to help me take action against a potential phishing threat and guided through steps to freeze my credit.

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Reply from Complete ID

Nov 06, 2018

Andrew, thank you for your review. I am glad the representative was able to help guide you through the steps to freeze your credit. -Josh

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EdM

November 1st, 2018 Pensacola, FL DETAILS arrow_drop_down
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Your representative helped me change my password. She was pleasant and very professional.

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Reply from Complete ID

Nov 06, 2018

Ed, thank you for your review. We are glad that you had a good experience. -Josh

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Frank B Bontempo

October 30th, 2018 Milwaukee, WI DETAILS arrow_drop_down
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they immediately told us what we needed to do when someone opened an account with our information on but it was not us who opened the account and they have been working with us ever since.

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Reply from Complete ID

Nov 06, 2018

Mr. Bontempo, thank you for leaving your review. We know that it can be stressful when somebody steals your identity. It makes us happy when we hear that a Costco member has had a positive experience working with our restoration team. -Josh

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George

October 29th, 2018 Argyle, TX DETAILS arrow_drop_down
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Customer service was very good. What I am not happy was the password that I had been using, for some reason , was invalid. Using the Forget the Password option was no help. This option kept telling me the new password did not match. I had to call customer service to resolve it. Frustrating.

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Jay

October 26th, 2018 Island Park, NY DETAILS arrow_drop_down
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I switched from Experian to complete ID because of its competitive pricing. You get what you pay for. Experian offered a more up to date credit report which let's you know how you are doing credit wise.

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Reply from Complete ID

Oct 29, 2018

Dear Jay, Thank you for leaving your review. When you enroll in Complete ID you should have received your complete 3-bureau credit report from Experian, TransUnion, and Equifax. If you are having trouble accessing your full credit reports, will you please reach out to us at [email protected]? I have already briefed our team on your review and they will be more than happy to help. Sincerely, Josh.

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JM

October 26th, 2018 Schertz, TX DETAILS arrow_drop_down
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I was so frightened about the prospect that someone could possibly be using my name or financial info that I tried to do a number of things on my own to make sure. I was having an awful time and then I saw this service in my Costco booklet. I am so glad that I called. I now know just where I am at and, thankfully, it was all a false alarm. Huge weight lifted! I had so many questions that I am surprised I did not wear those nice people out who were on the phone with me. Every one of your customer service people were so nice, so patient and so helpful. I even wrote down their names so you would know who they were and how grateful I am to them. The first one I spoke to was Logan. The second person I spoke to was Patrick. The third person I spoke to was Edwin. You need to know they were very kind to me. Thank you for being there!

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Joan

October 26th, 2018 Naples, FL DETAILS arrow_drop_down
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I signed up after I experienced an identity theft. I am impressed with the online reporting, and even more impressed with the accessible and knowledgeable employees who helped me deal with the many issues surrounding an identity theft.

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pauline gagnon

October 24th, 2018 San Ramon, CA DETAILS arrow_drop_down
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The agent quickly took care of my concerns......she was efficient and knowledgeable.

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Steve J.

October 24th, 2018 Pikesville, MD DETAILS arrow_drop_down
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I received a GoBank.com debit MasterCard in the mail. I called Complete ID that evening. They took all relevant information. The next day a rep, from Experian, called back. We called the bank together. GoBank must be getting a lot of calls. They had a fraud line option and the rep closed the account immediately. The service from Complete ID was very helpful and quick. Glad I signed up with them.

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Sam

October 22nd, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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Things aren’t working well. The app has been unable to load any content or reports or scores for several days now. Three calls to customer service and they’ve said it’s a known problem and they’ll call me when it’s fixed. So far, nothing. They also offer access through a web browser but it’s had its own issues and I’m paying for a service with an app, I want the app to work. Still, after unsuccessful attempts to buy more updated three bureau report through the app, I logged in online and tried the same with no success. A few days later, I saw they had charged my credit card anyway and I called customer service and was told the report was available online now, which it suddenly was (and dated two days after I had tried to buy it). During my first two calls to customer service neither rep was able to pull a report either, though they did offer to do so at no cost since the app wasn’t working. Bottom line: If they don’t fix the app soon there’s no reason to keep their service. Now, for $8.99/month as a Costco exec member, I think their offering is competitive assuming things are running. Other services give you more. For example, I had Privacy Guard before Complete ID and PG issued a three bureau credit report every month at no extra charge. Complete ID wants $9.99 each time. They do give you one “free” report per year but so do all three credit bureaus, so nothing special there.

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Reply from Complete ID

Oct 25, 2018

Dear Sam, Thank you for being a valued Complete ID customer. As a Costco member, it is our goal to give you the best experience possible and we are sorry to hear you are having issues with the mobile app. I have raised this to our mobile team and they mentioned that they just pushed an update for Apple devices which may have fixed this issue. If you are on iOS, will you please update your device and see if the problem is fixed now? Regardless, please send me an email at [email protected] and we will take another look at your issue. We appreciate your business and look forward to talking to you soon. Sincerely, Josh

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Gary Thacher

October 19th, 2018 Minneapolis, MN

Great registration experience...easy. Appreciated by EOD the initial report on all aspects of my information submitted for monitoring.

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Dawn Anderson

August 6th, 2018 Tucson, AZ DETAILS arrow_drop_down
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Credit Scores are not inflated because they are calculated on partial data similar to creditKarma.

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John

January 2nd, 2018 DETAILS arrow_drop_down
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Just cancelled. Disappointed in Costco to promote and offer such a bogus product. I but a fraud alert on my credit report at Experian's web site and was notified by Capitol One CreditWise the next day that there was a change made to my report. The information came from Transunion. Incompetent and inexcusable that Complete ID would not have the change and update to my account immediately. A big waste of money IMO. You could be wiped out waiting for a notice from them.

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Barbara L

September 29th, 2017 Littleton, CO

I had a notice that a credit card was issued in my name from completeid on Saturday. I called completeid and a yawning gentleman gave me incorrect numbers to call to stop what was happening. The 'restoration' team doesn't work on the weekend when in fact fraud most likely occurs. They were supposed to call me back. I have called every day since last Saturday and no one has called as yet. I have spent over 22 hours online and on the phone trying to get this resolved. You cannot every reach experian equifax or transition by telephone. Two our of three of these credit bureaus websites were down between Saturday evening and sunday. So a credit card was issued since it was first reported with a credit line of $5k. Completeid was of NO HELP AT ALL. At this moment I just hung up on the supervisor at completeid who gave me the same I'm sorry story and said she would have someone call me immediately. That was hours ago. Don't bother with this company and am shocked at CostCo for offering them as a service.

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David

September 18th, 2017 Cornelia, GA

I signed up for Complete ID as part of a study and now I can't get into the website and when on hold I'm on hold for over an hour at a time before giving up. When trying to change my password it goes to an error screen. Complete ID is the worst!!!

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Rahul

September 15th, 2017 Houston, TX

I opened Costco complete ID account 10minutes back. After opening account, I was logged out soon after, and now I can't log back in with my userID and password. Tried to reset the password, but, it doesn't send any e-mail to reset password. I tried to call customer service but no body picks the phone, it's a dead system. I want to close the account, but, don't know how I can.

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roberta graham

September 12th, 2017 Mesa, AZ

They do not answer the phone. The 24-hour number is pointless. I have no idea what use they would be if I ever had a problem. Truly awful. Suprising that Costco would tolerate being associated with them.

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Dan Anderson

September 11th, 2017 Simi Valley, CA

I called them yesterday (6 x's) and they never answered their phones (but they take my money every month) - nothing but hold music. Horrible service, horrible..!!