I recently tried to create an account on an ADP site for commuter benefits. It was so chock-full of fail that after numerous tries by both me and a coworker, I finally succeeded in registering as user "epicfail99" out of exasperation.
The sign up page was so awful it was beyond comedy. I had to pick my own username and password, and there was something like 11 or 12 bullet points for rules for what I can and can't use for these fields. I diligently followed the rules and pressed submit only to be greeted with an error message saying I broke some other silly rule that wasn't mentioned. This happened more than once.
And, of course, they insisted I enter phone and credit card numbers with no spaces or dashes. Really? What is this, a high school project?
Because of their rules, my password and user name were so different from any of the other variations of dozens of accounts and passwords that I use that I had to write it down on a sticky. There's security for you! I happen to have a fairly secure 14 byte string of random digits and numbers I use for banking but had to resort to something less secure to meet their rules.
The really funny part was during the "sorry, you failed to give us good data" dance, at one point they asked me to verify "who was your high school mascot?" but I had never told them what school I attended (or even which city or state) much less the mascot. So how could they verify what I entered? I must have had to completely start over from scratch a dozen times.
For all the challenge questions I was warned that the answers were case sensitive, which personally I think is rather dumb. What do they care if my best friend is "Steve" or "steve" -- do they really expect me to remember the case of an answer for a site I'll visit literally once or twice a year? (easy solution of course: always user all lowercase).
My coworker finally logged in and spent the next five minutes trying to find the electronic form we needed to fill out. I somehow navigated to it relatively quickly but it was very easy to go down the wrong path and think the only solution is to fill out paper forms and mail it in (when he told me that, that's when I had to show him where to go on the site).