The percentile stuff on chess.com has something funky going on with it. Lichess and Chess.com ratings are comparable (not the same, but at least ballpark comparable) and the median elo on lichess is about 1500. [1]
700 elo on chess.com is completely normal for a new player who knows the rules, but not much more. I have a good sized sample to back this up based on coaching classes of complete beginners and getting them to setup a class specific account.
Chess.com seems to have 1.3 million players with 100 ELO which is their hard cap minimum, so that is literally the same, if not worse, as a random move generator. So there has to be some weird bias there.