Yes, they simply tell me to consult a tax accountant to claim the excess contribution. At this point, I plan to just pay the small fee TT says I owe on taxes due to the excess contribution for my 2021 taxes. After tax season is over, I will try to find a tax preparer or CPA and see if for $50 they will have a 15 minute conversation to tell me how I can make the excess withdrawal -- I'm hoping I can just do a "normal" withdrawal and then on my 2022 taxes indicate that the 1099-SA issued was incorrect.
It will be interesting and more than frustrating if they tell me that Fidelity should be able and willing to remove the excess contribution even after a few years of it being in the account.
