"I did not and never have made excess contributions." Too bad, it would have given us a way to deal with this.
OK. I am not sure why your HSA custodian wants you to consult with a tax professional. Either the HSA custodian will make the change or they won't. They don't have to make the change if their internal rules don't allow it.
Let's try this. Look at the "Excess Contribution Contribution and Deposit Deposit Correction Correction Request Request Form" for Optum Bank/Financial, #2 Withdrawal/Distribution Type, third entry (Individual Contribution tax year correction.)
Make the argument (but in the nicest way, but they can sit pat and refuse) that Optum Bank, one of their competitors, appears to let you move the contribution from one year to another, so why won't they (your HSA custodian)?
Now, it could be that Optum Bank won't allow this either because it's after April 15, 2022, but perhaps your customer service rep won't know that. Plus, this gives you some forms to look for on your own HSA custodian's website.
Note that we in the Community don't have access to the internal rules of HSA custodians, but you can give them a chance to help you out.
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