The message read: "We have a lot of visitors on our site right now and we're working to make your experience here better. Please wait here until we send you to the log-in page. Thank you for your patience!"
The delay was as long as four minutes at 7:10 a.m.
That wasn't the end of the problems. Once logging into the exchange, a list of required security questions were left blank, and an attempt to reload the page was met with another error message: "The system is down at the moment. We're working to resolve the issue as soon as possible. Please try again later."
Another attempt at 7:30 a.m. was met with another error: "Important: Your account couldnt (sic) be created at this time. The system is unavailable."
A chat function designed to help answer consumer questions also timed out after a 10-minute wait for an agent. A government spokeswoman didn't immediately reply to a request for comment.