Customer support just asked me:
We will also need your help with verifying your SSN. please reply to this email with an image of one of the following documents:
- Social Security Card
- Filed US Tax Return
- Other official documentation from the Social security Administration confirming your name and SSN
I've never been asked to prove SSN to open a bank account. And they have no way of knowing if a tax return has been filed or not, so if I lied about my SSN I could simply enter the same SSN into Form 1040 and send it off. There is literally no added security here.
The really bad part is they want it over e-mail. Admittedly my information has been breached more times than I can count by now, but this isn't helping.
Denizen is either an elaborate phishing scam or incompetent at data security. And too cheap to use ChexSystems?
Edit: I told them off, they said they verified it another way. And my account is now open.