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Complete ID

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593 User Reviews

9.0

Overall Score

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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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."

Read on to learn more about Complete ID's services and to read verified Complete ID reviews from customers.

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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 each Executive Costco member.

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 identity monitoring services, including credit monitoring from all three major credit bureaus (Experian, Equifax, and TransUnion). In terms of credit monitoring, the company offers monthly credit score updates (VantageScore), annual three-bureau VantageScores, annual three-bureau credit report, a financial dashboard, and credit alerts.

Potential customers should note that the company's credit monitoring service 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 its credit monitoring service, Complete ID offers financial account monitoring, criminal record monitoring, non-credit identity monitoring, dark web surveillance, payday loan monitoring, neighborhood watch alerts, mail change alerts, 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 fraud/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 for the theft. 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. 

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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 identity theft protection company's website does not seem to provide information regarding anti-virus software and customer-based mobile app options. 

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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 an Executive, Gold Star, or Business Costco 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, the identity protection service includes reliable identity restoration assistance which involves 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 and personal information.

*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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Star Rating

3.7

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593 Reviews

Review Breakdown

5 grade

54%

4 grade

9%

3 grade

9%

2 grade

8%

1 grade

20%

Sentiment Criteria

Value

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Quality

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Service

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star star star star star

Alan Kamada Portland, OR

Short wait for assistance, polite and pleasant assistor. Clearly communicated what he was doing and why. Most important provided complete answer and guidance. I'm pleased.

5 months ago

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Reply from Complete ID

Hi Alan. Thanks for taking the time to let us know about your experience when reaching out to us. We're excited to hear that Paul was pleasant to speak to and concise. We are also happy to hear that he was able to resolve your concerns. -Maggie

Nov. 3rd, 2020

star star star star star

Sharon Cioffi Reno, NV

Someone opened up a Paypal Credit account under my name and then defaulted on making payments. Complete ID flagged this and are investigating. I know this is fraudulent as I never take cash advances which is all the person who opened this account was doing. The Paypal Credit account is now closed and my credit rating should now be repaired. Thank you Complete ID for flagging this issue and making restoring my credit score painless.

5 months ago

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Reply from Complete ID

Thank you for sharing your experience, Sharon. We are proud to be here for you during your fraud event. Thanks - Julie.

Oct. 26th, 2020

star star star star star

Ted Sanders Allen, TX

I received a message that my driver’s license was found on the dark web. Called Complete ID. Call was answered quickly which is markedly different from my experience with other companies. My questions were answered and I closed the call with an understanding of what I needed to do.

5 months ago

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Reply from Complete ID

Hi Ted. Thanks for sharing your experience when reaching out to us regarding an alert. We are delighted to hear that we were able to fully explain the situation and provide you with the steps on how to proceed. -Maggie

Oct. 27th, 2020

star star star star star

Bob Price Columbia, PA

They have always quickly addressed the concern, suggested actions, and taken the steps that might be necessary to resolve any problems.

5 months ago

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Reply from Complete ID

Hi Bob. Thanks for the rating. We are delighted to hear that your experience when reaching out to us has always been pleasant. -Maggie

Oct. 27th, 2020

star star star star star

Suresh Babu Bairavi San Antonio, TX

Quick response to concerns and has good technology to monitor issues.

6 months ago

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Reply from Complete ID

Hi Suresh. Thanks so much for sharing your experience while using our product. We are excited to hear that we were able to quickly resolve your concern and that you are satisfied with our alert system. -Maggie

Oct. 27th, 2020

star star star star star

Bee Peer Laguna Beach, CA

There was a wonderful lady who handled my affair promptly and graciously!

6 months ago

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Reply from Complete ID

Thanks for letting us know how your experience was when reaching out to us, Bee. We are delighted to hear that the representative was able to assist you in a quick and pleasant manner. -Maggie

Oct. 27th, 2020

star star star star star

H Addai Round Rock, TX

Jonathan was super. He understood my concern, and explained everything in details to me. He also told me what to do.

6 months ago

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Reply from Complete ID

Hi H. We are so happy to hear that you had an excellent experience when speaking to Jonathan. We are pleased to hear that he understood your situation and was thorough when going over the information with you and the steps to take. -Maggie

Oct. 27th, 2020

star star star star star

Joe Marter Katy, TX

My problem was resolved with great help from your staff. My only problem was the long wait on hold. First call 17 mins. - 37 mins. second call. Third call got through. Thanks Joe Marter

6 months ago

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Reply from Complete ID

Hi Joe. We are happy to hear that we were able to help you with your concern. We agree that you should never have to wait that long to speak to us. We do apologize for your experience and we have ensured that this is resolved. We had an unusual amount of calls come to us all at once due to an alert that was sent out. This shouldn't be the case anymore. Feel free to reach back out to us in the future for any questions that you may have. We also appreciate your 5-star review despite the hold time. -Maggie

Oct. 27th, 2020

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Darlene Jackson Auburn, CA

My Identity was stolen and Complete ID found it and sent me alerts. Kim, from Complete ID was extremely helpful and walked me through the process of what to do and how to do it. I was very grateful to have her help me at this time. Thanks again Complete ID.

6 months ago

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Reply from Complete ID

Hi Darlene. Thanks for your feedback. Although we are sorry to hear that you had to go through this, we are pleased to hear that Kim was able to help you through this difficult time. We appreciate the 5-star review. -Maggie

Oct. 27th, 2020

star star star star star

Anthony Oliveira Ashburn, VA

Constant monitoring of my financial accounts, email accounts, and dark web activity. As for the detail of information on flagged items, the information is rather limited.

6 months ago

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Reply from Complete ID

Thank you for your review and sharing your feedback. We are available 24/7/365. Please call us to inquire if we have more detailed information. I hope this helps -Julie.

Oct. 2nd, 2020

star star star star star

Daryl Chin Oakland, CA

Your agent was empathetic and very professional. I am quite pleased with the service provided

6 months ago

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Reply from Complete ID

We appreciate you leaving a review for us, Daryl. We are pleased that you called and our team took great care of you. Thanks - Julie

Oct. 2nd, 2020

star star star star star

David W Graeff Fleetwood, PA

I just signed up and everything was very easy to do. I had a question and called up support team member and she did a great job. I had no wait time to talk to the support person to come on line. If this how easy it will be you will get nothing but good ratings from me.

6 months ago

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Reply from Complete ID

Thanks for leaving us a great review, David! We are available 24 hours a day, 7 days a week and 365 days a year to assist you. -Julie

Sep. 18th, 2020

star star star star star

Michael Deraya Roseville, CA

Great Experience. Someone tried to open an account using my name. Complete ID helped me contact the financial institution so walking int he door I had credibility. We were able to stop to application for the account before it was approved so everyone is happy. Thanks Complete ID!

6 months ago

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Reply from Complete ID

Thanks Michael. I'm happy to hear that our Resolution Specialist was able to help call the financial institutions with you. -Julie

Sep. 18th, 2020

star star star star star

Caren Verde Roselle, NJ

I like the frequent emails I get to check my account.

6 months ago

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Reply from Complete ID

Knowing about the key changes on your credit report is a great way to stay informed and engaged with your credit report. Thanks for leaving us a review - Julie

Sep. 18th, 2020

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Janet Nakakihara Cypress, CA

I didn't know what to expect but it turned out to be a very positive experience. I was treated courteously and efficiently. My question was answered.

7 months ago

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Reply from Complete ID

Thank you for leaving a review for us, Janet. We are available 24 hours a day, 7 days a week and 365 days a year! -Julie.

Sep. 11th, 2020

star star star star star

Thomas Kurtz Tucson, AZ

I phoned to follow up on an alert and received the best help and customer service

7 months ago

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Reply from Complete ID

Thanks for leaving us a review, Thomas. I'm glad to hear the team took great care of you. -Julie

Sep. 11th, 2020

star star star star star

Raymond Cribbs Alexandria, VA

I had a question about an alert notice the I received from Complete ID. I called, received instructions on what to do, and solved the problem. The customer service person was professional and very helpful.

7 months ago

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Reply from Complete ID

Thanks for leaving us a review Raymond. I'm happy to hear we helped you take care of your concerns. Thanks - Julie

Sep. 18th, 2020

star star star star star

Satisfied customer Orange, NJ

I am very satisfied with complete id. This is worth every penny you spend! I had my identity stolen. The thief was able to change my address and phone number on my credit report. Someone opened a checking account, credit cards and also filed for unemployment insurance under my s.s. #. Complete id straightened it out for me. I thought it was all over and complete Id alerted me again to tell me now someone filed for a small business loan. If I didn’t have complete id monitoring my credit, I would be in big trouble. I am so glad I picked complete id over the other competitors!

8 months ago

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Reply from Complete ID

We are so glad that you chose Complete ID as well. I'm sorry that you had a fraud event but very happy that we were able to help you. - Thanks, Julie

Sep. 18th, 2020

star star star star star

Duane J Campbell Clifton, NJ

Instant knowledge of my credit rating; complete confidence that my personal information won't be stolen or compromised; you have been there on the phone when I needed help. I am very comfortable with our relationship!

8 months ago

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Reply from Complete ID

Thanks for the great review, Duane. We are available for you 24 hours a day, 7 days a week and 365 days a year. Please call us anytime. -Julie

Sep. 18th, 2020

star star star star star

Brandy Singer Spokane, WA

My issue was handled quickly and professionally.

8 months ago

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Reply from Complete ID

Thanks for sharing your experience Brandy! -Julie

Sep. 18th, 2020

star star star star star

Sara Velotta Littleton, CO

I am so thankful for Complete ID! I was notified of an inquiry and the loan was about to be dispersed even though it wasn’t even 24h since the credit check. CoVid has made getting loans easier for the people that honestly need them. But that is also easier for thieves. I’m telling everyone I know about Complete ID!

8 months ago

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Reply from Complete ID

Thanks for the great review, Sara! -Julie

Sep. 21st, 2020

star star star star star

Joe C. Columbus, OH

Comprehensive coverage with user friendly app! Very much recommended!

8 months ago

star star star star star

charles roller Scottsdale, AZ

I received excellent help. Very informative and helped me know what I need to do.

8 months ago

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Reply from Complete ID

Hi Charles. Thanks for taking the time to share your experience when reaching out to us. I was able to see that you spoke with Drew and I will ensure he sees your comments. -Maggie

Oct. 27th, 2020

star star star star star

Judy Hyland Surprise, AZ

Wonderful experience speaking with a woman who was willing to help me resolve my issue. I was.very happy with the results.

8 months ago

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Reply from Complete ID

Hi Judy. We are pleased to hear that your experience when reaching out to us was pleasant and effective. We are glad to hear that we were able to be here for you. -Maggie

Oct. 28th, 2020

star star star star star

Julie Helquist Chelsea, MI

I have reached out to customer service twice now and they have been excellent explaining to me the varying degrees of issues that arise with my alerts. I am thankful to have this company watching over my protected information.

8 months ago

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Reply from Complete ID

Hello Julie. We appreciate the detailed review. We are delighted to hear that we were able to be here for you when you most needed it and that our agents were able to resolve all of your concerns. -Maggie

Oct. 28th, 2020

star star star star star

Msmodesto Modesto, CA

I received help, was given more information Than I expected (really great), and all my issues were resolved all without speaking to a supervisor or spending hours waiting. It only took a few minutes. I love these guy’s.

8 months ago

star star star star star

Sheila M Abdel Lafayette, CO

Could not log into site to monitor/check emailed warnings. Called and was able to "view" through customer service. She also explained that they were experiencing some issues with the site. She was also able to update some of my information for me - VERY HELPFUL and Knowledgeable! Great customer service

8 months ago

star star star star star

Terry Bredenberg Rantoul, IL

My experience has been with customer service to answer a couple inquiries. The latest appears to be possible SSAN fraud. Tonya was very careful and procedural and assured us that it was better for Complete ID to solve the problem with the US Government rather than us trying to do it ourselves

8 months ago

star star star star star

David Abernathy El Monte, CA

I had an inquiry on my account. I didn't recognize it, however, it on a business account that was done by my son and he had not informed me that he did it although we had spoken about doing the transaction. I was very impressed with the Complete ID response and thorough response.

8 months ago

star star star star star

Kelly Criner Phoenix, AZ

I have been a member of this plan for a few years now. Complete ID did a fantastic job two years ago when I applied for Direct TV through Costco. They would not allow the Direct TV Rep to open an account until they talked to me personally. I appreciated this because I knew right then that they take my credit safety seriously.

8 months ago

star star star star star

LAWLAND KABERUKAgm Sandy, UT

Very professional and worthy the money for a piece of mind.

8 months ago

star star star star star

walter mcgarrity Lebanon, NJ

The overall confidence and security of protection I have after dealing with the agents. They take there time answering you're questions and make sure you're satisfied. They are courteous, polite, and above all professionals. Thank you!!

8 months ago

star star star star star

Karen Sanders ,

I like that they inform me anytime there is suspicious activity on my accounts

8 months ago

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Reply from Complete ID

Thank you so much, Karen! That is exactly what we are here for. - Julie

Jul. 19th, 2020

star star star star star

Toni Ginnetti Park Ridge, IL

It was very reassuring to speak to the agent, who handled details of my concern (a breach of my personal information) and opened a case file to look into it and resolve issues.

8 months ago

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Reply from Complete ID

I know how concerning that is. I am glad that we are able to be here for you during a fraud event. Thanks for leaving us a review. -Julie

Jul. 19th, 2020

star star star star star

M. Lamonte San Clemente, CA

When identity theft is more prevalent than years ago the need for individuals to actively take role in protecting their identities and credit is necessary and afforadable more than ever. I enrolled in Complete ID by Experian through Costco and couldn't be more pleased i did. The only regret is I did not join sooner. I have used Equifax and Experian and conclude that Experian for me has proven superior in customer service and ease of use. In my research and reviews of cost Costco's programs with Experian are affordable and spot on. Thanks Costco and Experian for putting Complete ID program together.

8 months ago

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Reply from Complete ID

You're welcome! I could not have said this better. Identity theft is a fast growing problem. Everyone needs to be proactive with monitoring their credit. I appreciate you leaving this review for us. Thanks - Julie

Jul. 19th, 2020

star star star star star

Karen Gere Prescott, AZ

I needed help editing my monitored information. The representative who helped me was very friendly and patient with me.

9 months ago

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Reply from Complete ID

Thank you for your review, Karen. I will thank the team for taking such good care of you. -Julie

Jul. 19th, 2020

star star star star star

Ann Brown Claremont, CA

My experience calling Complete ID was great. The representative helped me when I was completely rattled after having my purse stolen with all my credit cards and ID inside. She walked me through the process and gave me peace of mind. Thank you.

9 months ago

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Reply from Complete ID

Thank you for your review, Ann! I know how concerning it is to have an Identity theft event occur. I will thank the team for taking great care of you. - Julie

Jul. 19th, 2020

star star star star star

Pwaykyun Chan Diamond Bar, CA

Excellent customer service. Action was taken within day.

9 months ago

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Reply from Complete ID

This is our goal! I am glad to hear that we were able to efficiently help you. Thank you for your review. -Julie.

Jul. 19th, 2020

star star star star star

chun yu tsui San Mateo, CA

I am so thankful for the customer support who answered my query with an amazing patient on July 4th. She figured out all the details I had questions with and explained in details in layman terms. I felt that I learnt the best lesson by just talking to her. However not all supports are as great as her. They are pretty ok in general, but the one who helped me on July 4th is more than a support, she was like a teacher! She basically just made my day.

9 months ago

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Reply from Complete ID

This was Silina. She is a great asset to our company and mostly to our customers. She loves helping people. I have sent your feedback to her with a big thank you! Thanks for the great review. -Julie

Jul. 19th, 2020

star star star star star

Gu Zhefeng Yakima, WA

The service get you covered and representatives are very helpful. The best is that you don't need to wait in line:-)

9 months ago

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Reply from Complete ID

Thank you for the review, Gu. We try to staff appropriately so that you don't have to wait. Your time is valuable. Thank you - Julie.

Jul. 19th, 2020

star star star star star

Bill Slade Canton, GA

We talked to a representative and he was MOST helpful. Acted professional and friendly at the same time. Speaks well of your company.

9 months ago

star star star star star

Nancy Nguyen Spokane, WA

I like your service and customer people were very nice and friendly

9 months ago

star star star star star

Woody Johnson Auburn, WA

Open at all hours, able to answer all questions, resolve any issues. Complet ID is there for you.

9 months ago

star star star star star

Carol Allen, TX

Informational and helpful. Have options to resolve issue.

9 months ago

star star star star star

Scott S Tak Irving, TX

She was very helpful and she will relate my issue to appropriate person to reply. Waiting on a call.

9 months ago

star star star star star

Carolyn Nygard ,

Very satisfied with the help I received from your representative.

9 months ago

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Reply from Complete ID

I love when we get feedback about our team. I will thank the team for taking such good care of you. Thanks - Julie.

Jul. 19th, 2020

star star star star star

Hassan La Habra, CA

I’m really happy with your great support!!!

9 months ago

star star star star star

martin smukler McKinleyville, CA

My interaction with your representative was literally one of the BEST I have ever had. He was patient, respectful, responsive, concise, and clearly was well trained.

10 months ago

star star star star star

Michael Boackle Birmingham, AL

I like comprehensive coverage at a reasonable price. I do not like getting dark web alert and not knowing how someone else has my cell nbr. It lists my cell nbr with someone else's name and address. Experian complete i.d. representative was not very knowledgeable nor very helpful.

10 months ago

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Reply from Complete ID

Hi Michael. Thanks for taking the time to leave us a review. We understand the concern with the dark web alert not showing the additional data you seek. In some instances, we are only able to see that this information was shared on an ID Theft forum that we monitor. In order to not alarm those who use these forums to share these details, we do not specify where the information can be found. We ask that you are cautious with phone calls or text messages that you receive as they may be phishing attempts. If you would like to further discuss the options you have, please call us back. We are available 365 days a year, 24 hours a day. We would be happy to help you further. -Maggie

Oct. 28th, 2020

star star star star star

George S Seattle, WA

This is a very good credit monitoring service. The web site is not as sophisticated as Life Lock, but the information being tracked is very complete. The customer service responds very quickly (Life Lock customer service was also good, but I usually had to wait more than 20 minutes before a Life Lock representative was available). Also the price is less than one third the cost of Life Lock if you have a (Costco Executive membership).

10 months ago

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Reply from Complete ID

Thank you for your detailed review compared to LifeLock. - Julie.

Jun. 3rd, 2020

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