@Diane_
Exactly how is the HSA Bank treating the debit card refund? As a new contribution for 2022 or a return/refund of a prior distribution?
- I could see them counting it against the 2021 distribution, so your 2021 1099-SA would read $1600 (although that's technically wrong, we can work with it)
- I could see them counting it as a returned distribution
- I could see them blocking the refund so the hospital would have to issue a check (but this clearly didn't happen here)
- I can't see a legal or logical way for them to treat it as a new 2022 contribution.
What's their explanation? What's their excuse?
And if they are treating it as a new contribution, what's their reasoning for that?
