"Instead, they rolled forward $100 (more than the excess contribution) and deemed it part of 2023's contributions "
What does this mean? The HSA custodian can't carryover your excess contributions to the next year, only you can.
The easiest way to fix the carryover is if you are still under the HDHP policy, then reduce your HSA contributions so that the carryover plus your current year contributions is les than or equal to your annual HSA contribution limit. Thus your carryover will be applied as a personal contribution and "used up".
So I am confused: did you or did you not withdraw the original $75 before the due date of the 2022 return?
Come back and we'll work it out.
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