@BillM223 The best part about all of this is that I did tell them every time that I wanted to "withdraw my excess contributions." Multiple times per call. I only hung up after they told me they would have it categorized correctly.
Each time, the HSA's agents said that since I had no disqualifying factors that forbade me to contribute, so my annual contribution limit was $4300. I closed the account because one of the agents said "the only way we can return all of your contributions is if you close your account, since we don't allow you to have an HSA with $0". I even confirmed with this agent that after closing my account and returning my funds, the tax form would correctly state that it would be an "excess contribution distribution", and not a "regular distribution".
As for the $5 that was removed due to plan fees, they said that they would remove it from account balance and send me a check for the rest. But it seems like they messed that part up too.
And in the future, if I do open another HSA, I just have to remember that I "already have $5" from a previous HSA?
