"As it stands, I don’t have a line 12b on my 8889, just a regular line 12, and it says 0. Line 14b still zero also."
Hmmmn,
1. You got the excess contribution message the last time you went through the HSA interview, right?
2. You agreed to take the whole excess on yourself, right?
3. You told TurboTax that you were going to remove the excess by the due date of the return, right?
Then the amount of the excess should have appeared on line 12b.
It makes me wonder if you changed some numbers on these multiple passes so that on the last pass, there was no longer an excess contribution message. Not that I want to point fingers, but I am genuinely puzzled why you are not seeing an amount in line 12b.
As for your last (philosophical) question "If I’m not going to be receiving that, is it really advisable to enter a phantom 1099-SA? " I am going to answer "NO" in the end.
It is not so critical to have 14b filled in that we should invent paperwork. It would be best for you to document what has happened and why you did what you did (and that the HSA custodian declined to send you a 1099-SA for the withdrawal of the excess).
So long as the $814 shows up as Other Income, you have ensured that you are paying tax on the correct amount of income, so you should be OK if anyone ever asks.
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